Pricing

Priced like paperwork. Pays like a premium cut.

Wildfire mitigation discounts, risk-score reviews, and renewal decisions depend on documented proof. On a typical wildfire-zone premium, even a modest credit can be hundreds of dollars a year against a $49 document. The packet is bought once and refreshed when your record changes.

Readiness Scan

$0free

See your property the way an underwriter does.

Satellite + street-view review of your parcel, automatic
Likely risk flags and discount opportunities to ask about
A plain checklist across all 12 mitigation categories
Clear photo instructions for each missing item

Start free

Most homeowners

Evidence Packet

$49one-time

The full insurer-ready document, built from your evidence.

Complete cited packet, cover letter to audit log
Proof checklist tied to the rule text
Photo, invoice, and inspection appendices
Carrier-specific cover letter and requested action

Build my packet

Packet + Submission

$99one-time

We deal with the carrier so you don't have to.

Everything in Evidence Packet
Submitted to your carrier or broker, on the record
Acknowledgment and response deadlines tracked
Carrier replies read, sorted, and answered

Submit for me

Annual Update, $29/year, optional. Mitigation proof goes stale: vegetation grows, rules get revised, carriers re-underwrite. The update re-verifies your record each year, refreshes dated photos on a shot list, regenerates the packet against current rules, and keeps your renewal dates tracked. Skip it whenever your record is quiet.

Sources

California FAIR Plan: filed home-hardening discount schedule (up to 24.5%)

Carrier discount filings with the California Department of Insurance (commonly 5–20%)

Colorado HB25-1182: mitigation discount notices and wildfire risk-score transparency

What every paid tier includes

Unlimited evidence uploads for your property: photos, invoices, inspections, certifications, policy notices.
A plain checklist against your state's current wildfire rules and carrier programs, with photo instructions for anything still weak or missing.
The complete cited packet, cover letter through audit log, regenerated free whenever you add evidence before submission.
A permanent, versioned record. When you switch carriers or hit renewal, the file is already built.

What we will never charge for

The address check and readiness scan.
Seeing what's missing and exactly how to fix it.
Reading our state guides and shot lists.

Start where it's free.

Check your address, see what proof is missing, and decide with the next steps in front of you.