Make your home defensible, and keep it insurable in wildfire country.
Staying insured in a wildfire zone comes down to three things most homeowners piece together too late: the defensible-space zones around your house, the hardening details on the house itself, and the documentation your state and your insurer actually want. We turn all three into one clear, send-it-yourself plan.
Three layers of protection, three different owners, one file that keeps them straight.
A home that is perfectly cleared can still be non-renewed over its roof or its vents, and the cleanest paperwork means nothing if it never reaches your insurer. Here is how the layers stack, and who owns each one.
Defensible space
The 0 to 100-foot zones around your home, from the ember-resistant first five feet to the reduced-fuel outer ring. We map the Zone 0/1/2 framework to your state and call out where California adds its own statutory specifics.
Home hardening
Embers find the weak details first: roof edges, attic and foundation vents, under-deck gaps, and single-pane glass. We rank the commonly assessed items so you fix what moves the needle, not just what is convenient.
Local & insurer requirements
Rules shift by fire district, and every carrier weighs them differently. Where a requirement is local, we give you the framework to confirm it, never a number we made up, plus the dated documentation your file needs.
One kit, built around your state, your home, and what triggered this.
Answer a short intake about your state, your home's basics, and whether you are facing a non-renewal, an inspection notice, or simply getting ahead of fire season. The kit assembles the plan and the paperwork for exactly that case, in order.
- Intake axisstate + home + situation
- Situationsnon-renewal · inspection · proactive
- Formatwork plan + fillable templates
- Deliveryinstant, after checkout
Cleared zones, a hardened structure, and a documented file for every line an assessor checks.
The work plan walks the same criteria CAL FIRE and Firewise use, so an inspection or an underwriter's review finds a file that is already in order.
Built for the people who actually carry the risk.
We never present a local clearance distance, a Zone 0 phase-in date, or an insurer rule as fact when it genuinely varies. You get the framework to confirm it, not a number we invented.
California's specifics are cited to the statute and the CA FAIR Plan. Everywhere else you get the general CAL FIRE and Firewise framework, plus the exact question to confirm at the source.
DefensibleHome is an independent publisher, not an insurer, agent, or public adjuster. You review, fill in, and send everything yourself. We never contact your insurer on your behalf.
Every kit is backed by a 30-day money-back guarantee. DefensibleHome is a new publisher, so we do not show customer reviews yet; the cards above describe how the kit is built, not testimonials.
Every wildfire-zone homeowner, wherever the risk finds them.
Non-renewed
You got the letter, and you want an organized reconsideration file to send.
Inspection notice
A defensible-space or underwriting inspection is coming, with a deadline.
Getting ahead
Proactive owners doing the work before a notice ever arrives.
High-risk ZIPs
Living in a WUI or very-high fire-hazard zone where carriers are pulling back.
Clearance distances, Zone 0 phase-in timing, and FAIR Plan specifics genuinely differ by state and fire district. A site that hands you a confident number it made up is how careful homeowners get burned. Where a fact is local, we hand you the framework instead: the office to call and the exact question to ask.
And we never contact, call, or negotiate with your insurer. DefensibleHome gives you organized documentation and a letter template; you review it, fill in your own details, and send it yourself. No outcome, including reinstatement of coverage, is ever promised.
The current defensible-space clearance required for your parcel.
Your local fire authority or fire district.
“What clearance applies to my address, and is a Zone 0 (0 to 5 ft) rule in effect yet?”
Four tools that show you where you stand today.
Free Wildfire-Prep Assessment
Your three-layer plan from a two-minute intake.
Defensible Space Zone Checker
See your Zone 0/1/2 distances, printable.
Home-Hardening Self-Audit
Walk the commonly assessed items, edge by edge.
Non-Renewal Risk Check
See which factors to address before your carrier does.
Questions people ask before they start.
What is Zone 0, Zone 1, and Zone 2?
Why do insurers non-renew homes in wildfire areas?
Does clearing brush guarantee my insurance will be reinstated?
What is the FAIR plan?
Do you talk to my insurance company for me?
How fast can I fix this?
Is this legal, insurance, or claims advice?
Find your three-layer plan in two minutes.
Start free. See exactly which zones, which hardening items, and which requirements apply to you, then get the full kit when you are ready to send your file.