When Insurance Pulls Out: Wildfire Risk, Homeowner Impact, and the Urgent Need for a New Defense Model

Major insurers have already stopped writing or renewing policies in states like Colorado, Texas, and Florida. And the American Property Casualty Insurance Association now reports that more than a dozen states are experiencing wildfire-related coverage losses, with over 212,000 homeowner policies dropped in California alone.

What started as a regional issue is now exposing a deeper vulnerability in how we manage — and misunderstand — risk.

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Home Hardening 101 for East Bay Homes

When it comes to protecting your home from wildfires, one of the most crucial steps you can take is home hardening. With the increasing frequency of wildfires in California, particularly in areas like Berkeley, Oakland, Orinda, and Moraga, hardening your home is no longer just an option—it’s a necessity. This blog will walk you through the essential aspects of home hardening, why it's important, and how you can implement key fire-resistant features to keep your home safe.

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How to Harden Your Home for Ember Resistance

In the wildfire-prone regions of Alameda and Contra Costa Counties, California, protecting your home from ember attacks is crucial. Embers—small, windborne burning particles—are responsible for igniting the majority of homes during wildfires. As climate change intensifies fire seasons, hardening your home against these embers is more important than ever. This blog will explore the best methods and materials for hardening your home against ember attacks and radiant heat.

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