Tag Archives: homeowners insurance

Three Major Insurance Events of Which Every Homeowner Should Be Aware

Purchasing a home can be a rewarding, pricey and overwhelming experience, especially for first-time buyers. And, if your aren’t a Gates, Buffett, Zuckerberg or one of the many others found on the Forbes 400, chances are your house will be one of the most significant investments you’ll make, so choosing the right home isn’t a decision that’s made lightly.

Shopping for a home can be exhausting as you research neighborhoods, tour homes, apply for a loan, negotiate the purchase price, organize inspections, and wade through a seemingly endless stack of paperwork. You also need to select an insurer and homeowners insurance policy. This is critical, as it will protect your investment for as long as you own your home, so it’s one of the most important decisions you’ll make. To protect your investment, your belongings and loved ones, following are some tips for both new and veteran homeowners.

1. Fire and water damage are the two most prevalent causes for insurance claims.

The National Interagency Fire Center reports that there were 63,312 wildfires and 3,595,613 burned acres in the U.S. in 2014. Additionally, according to the National Fire Protection Association, there were 487,500 structure fires in 2013, which resulted in $9.5 billion in property damage and amounted to approximately one home structure fire per 85 seconds. There are several steps a homeowner can take, both inside and outside of the home, to prevent becoming one of these statistics.

Inside:

  • Install at least one smoke detector on each floor and check them regularly to ensure they’re working. Be sure to put in fresh batteries at least twice a year.
  • Don’t overload wall outlets or use items with frayed electrical cords.
  • If you have a chimney, hire a chimney sweep to inspect and clean it before cold weather arrives. It’s also a good time to check and be sure that your chimney cap is in good condition to catch any stray embers coming up the chimney stack.
  • Keep flammable items (e.g., curtains, furniture, etc.) away from portable heaters.
  • Don’t leave lit candles unattended and keep them out of reach of children and pets.
  • Keep a fire extinguisher in your home. Make sure everyone knows how to properly use it and have it inspected once a year.
  • Never leave a lit stove unattended and keep flammable materials away from the burners.
  • Be sure to have an escape plan in the event of a fire and practice it with your family twice a year.

Outside:

  • Regularly mow your lawn and clear away clippings, dry twigs and branches from buildings. Be sure to clean your roof and gutters of leaves and other debris that can become a fire starter.
  • Keep branches trimmed so they don’t hang lower than six feet and bushes pruned to no higher than 18 inches.
  • Keep garden hoses attached to faucets to aid fire personnel, if necessary.
  • If a wildfire starts, track smoke and its impact on your visibility to determine if you should evacuate prior to an official evacuation notice being put in order. Monitor if the fire and smoke change direction to determine your safest evacuation route.

Using fire-resistant materials around your property and on your home provides added protection and may even save you money in the event of a loss. For example, fire-retardant plants like rockrose, ice plant and aloe resist ignition. Fire-resistant shrubs to consider when landscaping include hedging roses, bush honeysuckles, currant, cotoneaster, sumac and shrub apples, and hardwood, maple, poplar and cherry trees are less flammable than pine, fir and other conifers. Speak with your local garden center to learn more about the plants that can protect your home from fires.

Water damage is the second largest cause of insurance claims; however, certain circumstances aren’t covered by a standard homeowners policy. To differentiate, damage that is caused by weather (e.g., natural flooding from hurricanes, flash floods, etc.) is referred to as flood damage and requires flood insurance, which is available through the National Flood Insurance Program. Water damage is usually caused by bursting or leaking pipes, plumbing issues, malfunctioning household appliances (refrigerators, hot water tanks, dishwashers, washing machines) and HVAC issues.

Homeowners can take the following steps to protect against water damage.

Inside:

  • Check appliance hoses once a year and replace any that are cracked or have leaks.
  • Review your appliance owner’s guide for maintenance tips to keep them in good working order.
  • Inspect pipes for cracks and leaks. If any are detected, have them repaired immediately.
  • Make sure showers, tubs and sinks are properly sealed and caulked.
  • Know the location of your main water shutoff valve so you can turn off your water supply in the event of a burst pipe or damaged hose.

Outside:

  • Keep rain gutters and downspouts free of debris. Install gutter guards to prevent debris from accumulating and position downspouts to direct water away from the house.
  • Ensure windows are properly sealed and caulked.
  • Inspect the roof for damaged, missing or old shingles and replace them.

2. Some of your belongings may have limitations to their coverage.

Certain items like fine art, rare stamps or coins, wine collections, antiques, expensive jewelry and collectibles may not be fully covered by a standard homeowners insurance policy. Speak with your local insurance agent to ensure you have the right amount of coverage for everything you own.

3. Home renovations may impact your insurance rates.

If you’re considering building an addition, remodeling or putting in a pool, keep in mind that your insurance premiums will likely be impacted to protect this new investment. Square footage is one factor in determining a premium. Additionally, if renovations include higher value materials, the replacement cost in the event of a loss will go up, affecting your insurance rates accordingly. Swimming pools increase your liability exposure, which will increase your premium; however, pools can be great assets. In addition to providing a fun way to cool off on hot days, pools can act as a barrier for wildfires and an added source of water for firefighters, if necessary. And most renovations add to the comfort and livability of a home, as well as its resale value, which is well worth the added protection. Speak to your local insurance agent to determine how much your premiums will change and be sure to ask about any money saving discounts.

How Much Car Insurance Do I Need?

Every driver is different, and most vehicles are different, too. Essentially, everyone’s auto insurance needs vary based upon an assortment of factors. Whether it’s simple liability or full coverage, Mercury recommends consumers purchase the insurance package that best fits their personal requirements.

Below are some key questions consumers should ask themselves when evaluating their car insurance:

  • Am I making payments on my car?

Lien holders will often require a vehicle owner to carry collision coverage so the car will be repaired (subject to the payment of the deductible) regardless of who caused the accident. This is the bank’s way of protecting its investment in the vehicle until you finish making payments on the loan.

  • How much of a deductible do I need?

Higher deductibles lower your monthly insurance rates, but they increase the amount you pay out-of-pocket in the event of a loss. The deductible you choose is the amount you agree to pay when you use your collision coverage, regardless of fault. Some companies will reimburse the deductible if the accident is not your fault. Mercury will often even waive your deductible if the accident is clearly not your fault, so it’s very important to assess how much you can afford to pay on short notice and use that to determine your deductible.

  • What are my driving habits?

History has a way of repeating itself. A driving record littered with broken headlights, dented doors and bent bumpers may require complete insurance coverage (see collision coverage). Additionally, drivers who make long daily commutes on dangerous, busy stretches of road may also want to increase insurance coverage to protect against possible collisions.

  • Where do I live?

Location. Location. Location. Take your environment into consideration when choosing your level of protection. Living in areas with high auto theft and vandalism rates make having comprehensive coverage more of a necessity than if you reside in Smalltown, USA. If you live in an area where harsh winters, packed interstates and narrow streets are the norm, collision coverage becomes more important because the likelihood of being in an accident increases.

  • What type of car do I drive?

More expensive lines of coverage (collision, comprehensive coverage) become less justifiable as the value of your vehicle decreases as it ages. In these situations, it may make sense to decrease your level of insurance coverage to save money, but ask yourself whether the savings are enough to offset the risk of potentially having a large repair or replacement bill.

  • How frequently do I drive my vehicle?

Do you commute daily or just use your car on weekends? How much mileage do you put on your car per month? The more you drive, the more likely you are to get into an accident. Take this into consideration when evaluating how much auto insurance you need.

  • Who uses my vehicle?

Is it a family car? Do multiple drivers use it? Not everyone may be as experienced as you, so consider who else will be driving your vehicle before purchasing auto insurance. Liability may be enough protection for you, but is it enough for your teenage son or daughter?

  • What can I afford?

Money talks, especially in today’s economy. Look for a plan that protects you and still fits within your budget. Don’t make the mistake of purchasing expensive auto insurance that doesn’t offer enough protection. Mercury offers a variety of insurance discounts, ranging from good student to multi-car, which make protecting your vehicle more affordable.

  • How much do I have to protect?

If you own a home, have multiple vehicles and there will be teenage drivers using your vehicles, you will probably want a lot more coverage because you have more to lose in a serious accident. Conversely, if you rent an apartment and own an older car, you may not need as much coverage.

Whatever your situation, it’s always a good idea to speak with an insurance agent. Insurance can be very confusing and a highly trained, professional agent is your best resource to help get the right coverage at the best price. Mercury only sells through independent agents, so you can be sure you’ll get excellent advice and a package specifically tailored to meet your needs.

Understanding Car Safety Ratings

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Although newer vehicles are generally more expensive to insure than older ones, consumers can often get discounts if their new vehicles have the latest safety features. Advances in crash and accident avoidance technology mean that consumers who buy a new vehicle equipped with the latest safety features are often less likely to be seriously injured in a car crash.

Safety ratings are a function of two major factors: prevention—how well the vehicle is designed to prevent an accident—and, crashworthiness—how well the vehicle performs in a crash.

The Insurance Institute for Highway Safety ranks its Top Safety Picks based on good, acceptable, marginal or poor performance in high-speed front and side crash tests, a rollover test, and evaluations of seat / head restraints for protection against neck injuries during rear impacts. Crash tests are conducted on a half-dozen types of vehicles, including large cars, mid-sized cars, small cars, minivans, mid-size SUVs, and small SUVs. You can also visit the National Highway Traffic Safety Administration website for a full report on recalls and defects.

Currently, some of the top-rated safety features are:

  • Adaptive front airbags
  • Side airbags
  • Side curtain airbags
  • Knee airbags
  • Electronic stability control
  • Anti-lock braking systems
  • Brake assist
  • Tire pressure monitors
  • Back-up sensors
  • Park assist
  • Blind-spot warning
  • Lane departure warning
  • Forward-collision warning
  • Smart headlights
  • Crash-alert systems (such as OnStar)
  • Built-in car seats

Technology is ever-improving, and, as time goes by, manufacturers and the government are standardizing these features. Doing your homework ahead of time and knowing what your options are can make the decision-making process smoother and get you into that new car faster!

Insurance 101 for College Students … And Parents Too

college-student-insuranceMoving away from home to go to college is an exciting time for most kids. It’s their first real taste of independence, but this newfound freedom also comes with increased responsibility.

Mom and dad aren’t around anymore to nag you about the hours you spend on your smartphone or to wake you up for school in the morning, but this also means they aren’t there to fix problems either. What, for example, would you do if someone were to steal your precious smartphone?

Students can easily get swept away in the excitement and bustle of the college social scene, forgetting that not everyone they meet at school has the best of intentions. Crime exists in most communities, and college life is no exception. According to the FBI, 97 percent of crimes reported by college students in 2012 were property crimes and a whopping 41 percent of these crimes occurred on campus grounds.

Students bring many pricey belongings from home – electronics like laptops, smart phones, tablets, televisions and gaming systems are common dorm room items. They may also have a skateboard, bike, vehicle or combination of all of the above.

Another on-campus threat to personal property is fires. Firefighters responded to an average of 3,870 college housing structure fires per year1. These fires caused an annual average of $15 million in personal property damage and losses.

So, how can you protect your belongings while you’re away at school? The first step is to check with your insurance agent to see if your stuff is covered under your homeowners insurance policy. Some policies, like those offered by Mercury Insurance, will extend coverage to college students living away from home.

Another option is to purchase renter’s insurance. Renter’s insurance is designed to protect property owners in the event that their belongings are stolen or damaged in a fire. It will also provide liability coverage in the event someone is injured while visiting your apartment or dorm room.

To maximize your college experience, here are a few tips to protect personal property:

Cover personal belongings with an insurance policy. Students who live on-campus may have coverage available through their parents’ homeowner’s policy. Some companies have policy options that extend personal property coverage for students away from home. Students living off-campus may not be covered by their parents’ policy and should look into purchasing renters insurance.
Create an inventory. Record the value of all personal property to determine the right amount of coverage needed in the event of a loss.
Always lock doors. Talk to roommates and make sure to communicate the importance of securing personal belongings.
Conceal valuables. Never leave electronics or other valuables out in plain sight, and do not advertise their presence on social media.
Secure valuable electronics, like TVs and laptops, to stable fixtures with locking mounts in your room so they can’t be easily removed. Also, protect personal electronics with passwords to guard accessibility and discourage theft.
Use a bicycle lock when you’re out and about or for added security while on-campus. Steel and titanium locks are difficult to cut and provide thieves with a challenge. Reinforcing these locks with cable locks, which can be threaded through wheels, will provide extra security.
Install or activate an alarm if you have a vehicle on-campus. Insurance companies frequently offer discounts for vehicles equipped with anti-theft devices. Students with good grades – at least a B average – may be eligible for an additional discount as well.
Ensure your auto insurance is up-to-date. Coverage for vehicles left at home while in school should be maintained to protect the vehicle from theft or any damage that may occur while it is parked. This will also protect you if you forget to notify your agent to add coverage back to your vehicle when you return.

Consult with your local Mercury agent to learn more about renters insurance and they’ll help build the protection plan that best suits your needs.

The bottom line: with greater independence, comes greater responsibility.

1 The National Fire Protection Association reports this annual average occurred during the five-year period from 2009-2013.

Yearly Disaster Preparation Check-Up

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When was the last time you thought about an emergency-preparedness plan? “Never,” is the answer most people would give, which could have terrible consequences if you happen to be caught in the middle of a disaster. According to the Federal Emergency Management Agency (FEMA), natural disasters in the U.S. have increased 700 percent since 1950 and reports from the National Oceanic and Atmospheric Administration indicate severe weather events are also occurring more frequently, so now is the time to get prepared.

September is National Preparedness Month, but since disasters can strike at any moment, it’s important to   prepare before disaster strikes …Today. Creating an emergency plan is a good start, but remember, you should review it with your family annually. For example, do you have a newborn in the family? Did you adopt a pet? Have emergency kit materials expired? If you’ve experienced any of these or other changes, then you need to update your plan to make sure you’re prepared. Here are six things to consider during your routine yearly disaster preparedness check-up:

  1. Check emergency kit materials
    Refresh everyone’s memory of where the emergency kit is located.  Check expiration dates of materials in the kit to assure perishable items will last for at least another year, including food, water and batteries. According to FEMA, here’s a full list of materials to include in a basic emergency kit.
  2. Update your emergency plan
    A basic plan should have a meeting place in case disaster hits and your home becomes unsafe, as well as at least two escape routes. Each year, make sure to remind everyone of the meeting place, ensure it is still a safe location and evaluate everyone’s escape routes to avoid new obstructions. Take into account any special needs of children, seniors, people with disabilities, family members who don’t speak English and pets.
  3. Know how to turn off your utilities
    Learn where the utility shut-offs are located and how to operate them. Turning off gas mains can prevent leaks and turning off electricity can help prevent potential fires started by electrical sparks. Additionally, turning off your water main can help prevent flooding.
  4. Practice home safety
    Home safety should be observed year-round, not just in the event of an impending disaster. Install smoke detectors in each room of your home and replace the batteries every six months. Store heavy items on the lowest shelves. Combustible items such as firewood, picnic tables, boats and flammable liquids should be kept separately and 50 feet from your home and other structures.
  5. Prepare your insurance
    Getting ready for a natural disaster actually starts by choosing your insurance policy. Ask yourself: Do I have enough insurance to repair or replace my home if it is damaged or destroyed? Mercury recommends you get an insurance check-up from your agent or broker once a year to help you make an informed decision about the coverage you need.
  6. Catalog your property
    Recovering from a disaster takes time. To ease this process, keep a detailed inventory of your property and update it annually. Photos and videos of your home can be presented to insurance adjusters to help your claim. Mashable, a technology blog, provides a list of eight home inventory apps that make creating inventory of your property easy. Visit the Mercury Insurance website for additional tips to help with the claims process in the event your home suffers damage.

Be proactive about disaster preparedness. You’ll be investing in your family’s safety, property and peace of mind.

Protect Your Home While on Vacation

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We all look forward to vacations. Whether you’re planning on soaking up the sun on a tropical beach, or camping in a local park, it’s great to get away. You can relax and enjoy time with your family and friends and forget about the pressures of home and work for a little while … or so you thought.

You’re not the only one who likes it when you go away … burglars love it, too.

The FBI reported an estimated 2,103,787 burglaries in 2012, which resulted in an estimated $4.7 billion in property losses and an average of $2,230 loss per burglary.

Guess which months have the highest burglary rates … that’s right, July and August. And it’s not a coincidence that these are the two most popular travel months, too. Thieves are opportunists who prey upon the naive, unobservant and ill-prepared, and they love it when they know homeowners won’t walk in on them in the middle of a robbery.

So how do you protect your home when you’re away? Nothing is foolproof, but here are few tips that can help protect your home when you’re away for an extended period of time.

  • Secure your home. Often times burglars don’t need to forcibly enter a home because they can easily get in through an unlocked door or window. It seems simple, but make sure everything’s locked before you leave, including windows located on the second floor and higher, and entrances from the garage into the house. Don’t hide spare keys under door mats, rocks or other easy-to-find places. Instead, give a copy to a trusted neighbor in case of an emergency. Keep shrubs trimmed below window-level so as to not create inadvertent hiding places for thieves, and cut back tree branches that would allow an agile climber access to upper-level windows, balconies, ledges or the roof. Installing an alarm system and activating it every time you leave the house provides an added level of security, which may qualify you for an additional homeowners’ insurance discount. And, just in case, place dowels in sliding glass doors and windows to prevent them from unwanted opening.
  • Notify a trusted neighbor.Neighbors are a great resource for recognizing when unfamiliar vehicles or people are in the area. Tell your chosen neighbor when you’ll be away, if you have anyone who’s scheduled to stop by your house in your absence and how to reach you in case of an emergency.
  • Make your home appear occupied. Don’t let your mail and newspapers pile up while you’re away. Instead, ask a neighbor or friend to regularly bring them inside, or stop your delivery services until you return. Arrange for someone to mow your grass and trim your hedges in your absence. Setting light timers is another way to give the appearance that someone’s still around.
  • Don’t share plans on social media. Social media makes it easy to share great vacation experiences with family and friends, but it also has become a great way for burglars to learn when you will be away. It happens all the time, but just in case you don’t believe us, take a look at what happened to this unsuspecting family in Fontana, Calif. when they went on vacation to Las Vegas.
  • According to SocialMediaToday.com, 54% of burglars say posting status and whereabouts on social media is the most common mistake homeowners make. So, while you may be tempted to check-in at every trendy hotspot you visit or show off photos of you lounging by the ocean or pool … don’t (at least until after you get home). If you’re a social media addict who breaks out in hives at the idea of not sharing every moment of your life online, hire a friend to housesit and keep an eye on things for the duration of your trip.
  • Know what your insurance policy covers. Mercury Insurance recommends that you speak with your local insurance agent before your vacation to ensure your homeowners or renters insurance policy covers potential losses that may occur in your absence. Additionally, keep an up-to-date inventory of everything that own to make the claim’s filing process easier, if necessary.
Flood Insurance Thousand Oaks CA

Warning: Winter Storms Are Coming, Get Flood Insurance Now!

Prepare your home and business for predicted floods and storms.

While the weather is dry and sunny in Southern California, be warned that it’s not due to continue: El Nino is coming and this winter is predicted to be a wet one! Despite California not being known for it’s rain and flooding, this only makes our land more precipitation-intolerant. The land has been in such a drought that experts say that when it does rain, the land will become overwhelmed with water and flooding will occur quite rapidly.

What are viable flood defenses that you can put in place to protect your building? You may be turning your homeowners insurance policy, expecting that to cover damages in the event of flooding – but you’ll be disappointed. Standard homeowners insurances don’t provide any flood insurance coverage whatsoever. Due to the extensive damage and destruction flooding can do to a house and belongings, insurers smartly decided to withdraw this coverage, instead setting up flood insurance as a stand-alone policy.

Luckily, your Californian flood insurance policy would apply to homes, condos, mobile homes, businesses and rentals that are in flood zone areas. At Integrity First Insurance Services, our flood insurance policy can offer:

  • Building, contents, replacement cost coverage
  • Standard flood insurance coverage
  • Optional excess flood coverage
  • Affordable rates!

Before you rule out any additional coverages, ensure that you select the best policy, at the best price for your home and belongings. Luckily, personal property needn’t be lost forever and your home can be restored without breaking the bank!

Serving the Conejo Valley within California with quality insurance, contact Integrity First Insurance Services, located in Thousand Oaks.

Holiday Home Decorating Safety Tips Thousand Oaks CA

Making Your Home Decorating Safer This Holiday

Don’t start decorating before securing safety!

Whether you decide to deck your home out in Santa’s grotto attire, or opt for minimal lights and ribbons, holiday decorations are going up in almost every home! This time of year is prominent for festive home décor and, unfortunately, injuries.

A simple Christmas tree and a few scented candles add cheer to any home and seem completely harmless… Right? In two years, there was an annual average of four deaths and $18 million in property damage from Christmas tree fires. For candles, there were around 130 deaths and $360 million in property losses, annually. Suddenly, these decorations seem less than joyful.

Don’t fall victim to simple safety mistakes! Use the following tips to prevent fires this year:

  • Buy a fresh Christmas tree and keep it well-hydrated. Let it stand in a bucket of water for two days before bringing it into the house. A well-watered tree means it will dry out less and be less of a fire hazard.
  • Place your tree away from all heat sources. Fireplaces, vents, and radiators can rapidly dry out live trees and increase the risk of flammability.
  • Look for a ‘fire resistant’ label when buying an artificial tree. It indicates that the fake tree is more resistant to catching fire.
  • Place candles on a stable surface. Choose a place where children and pets can’t reach or knock over candles.
  • Only use approved lights. These are ones that have been tested by nationally-recognized laboratories, such as UL.
  • Check your lights before using them! If there are any broken, frayed, or cracked wires on your decorative lights, discard the set.
  • Never burn wrapping papers in the fireplace. A flash fire may result as the wrappings ignite suddenly and burn intensely.
  • Check your fire alarms. Test the batteries in your smoke and carbon monoxide detectors.
  • Take precautions. Always extinguish fireplace fires, candles, and turn off all holiday lights before leaving the house or going to bed!

While you’re wrapping up your house like a holiday present, you’ll want to check that your property has the proper protection it needs. With the increased risk of festive fires in the home, review your homeowners insurance before hanging up those holiday lights! Contact Integrity First Insurance Services in Thousand Oaks, California for all of your insurance needs this season!

Home Security Tips

Useful tips to keep your Thousand Oaks, CA home safe while on vacation.

Planning for your next vacation can be very exciting. While packing up your bags and printing out your boarding pass, it is important to make sure that your home stays safe and secure while you are away. Keep these home security tips in mind while enjoying your next vacation.

  • Install a security system – new security technologies are making it much easier to keep your home safe while you are away. From video cameras that let you keep an eye on your house from your smartphone to central alarm systems that will alert the authorities for you.
  • Lock up – while it may seem simple, making sure that all of your doors and windows are locked before you head on vacation will help to keep your home safe. If a burglar doesn’t have to work hard to get into your house, they are much more likely to target your house. Make sure that all windows on the second story of your house are locked as well.
  • Hide your spare key – if you usually leave a spare key out, bring it inside. Thieves know the most common hiding places for spare keys and will have easy access into your house once they find it.
  • Befriend your neighbor – having a pair of eyes on your house while you are away will help to ensure the right authorities are alerted if something goes wrong. Ask a trusted neighbor to keep an eye on your house and let you know if something looks out of place.

Before heading out of town, make sure to take a look at your home insurance policy to ensure that you have the right amount of coverage while you are away. Contact the independent insurance professionals at Integrity First Insurance in Thousand Oaks, California for all of your Conejo Valley homeowners insurance needs to keep your house and personal belongings safe.

Fire Resistant Landscaping Tips

Reduce the fire risk at your Thousand Oaks, CA house with these tips.

The current drought situation means much more than strict water restrictions. It also means an increased risk of a wildfire that can completely destroy your house and personal belongings. Even if you do not live in a rural area, you are still at risk of experiencing a wildfire. Luckily, making a couple changes to your landscaping can help to keep your house safe. Keep these landscaping tips in mind to reduce your risk of fire damage.

Create a defensible space

  • Plants that are close to your house should be planted with plenty of space between each plant and should be low growing.
  • Incorporating hardscape elements in your landscaping, such as gravel, rock, and stepping stones can help to break up the vegetation in your yard, helping to slow down how fast a fire is able to spread.
  • Keep up with your regular yard maintenance, such as trimming your bushes and mowing your lawn to help contain any overgrowth.
  • Avoid using very flammable mulches, such as pine bark mulch, that is much more flammable and will easily catch fire.

Think before you plant

  • Find plants that are more likely to resist ignition during a wildfire, such as iceplant, rockrose, and aloe.
  • Look for fire-resistant shrubs to add some greenery to your yard, such as bush honeysuckles, hedging roses, and currant.
  • When picking out trees, consider hardwoods, such as poplar, maple, and cherry, which are not as flammable as pine and fir trees.
  • Most fire-resistant plants do not require a lot of water to help keep them looking their best, which can help you reduce your water usage throughout the drought.

Having the right home insurance policy in place can help to ensure that your home and belongings are protected in case of a fire. Contact Integrity First Insurance in Thousand Oaks, California for all of your homeowners insurance coverage needs.