(800) 956-3728 California Wildfire Mitigation Discounts
What you do to protect your home from wildfire should count. Mercury turns mitigation into meaningful insurance discounts.
Mercury Wildfire Mitigation Discounts Chart
Policies that include a charge for wildfire risk are eligible for several wildfire mitigation discounts. These discounts are divided into two broad groups: (1) Property level discounts that are based on defensible space and home hardening requirements specific to the insured dwelling and property and (2) Community level discounts that are based on neighborhood or community-level designations.
| Property Level Item | Mercury Wildfire Mitigation - Essential* (must meet all requirements) | Mercury Wildfire Mitigation - Enhanced* (must meet all requirements) | Mercury Wildfire Mitigation - Elite* (must meet all requirements) | |
|---|---|---|---|---|
| Defensible Space | Clear vegetation and combustible objects within 5 feet of dwelling | X | X | X |
| Maintain defensible space on the property beyond the 5 foot home ignition zone | X | X | X | |
| Home Hardening | ||||
| Class-A fire-rated roof (Properly installed concrete or clay tile and asphalt shingles typically qualify) | X | X | X | |
| Fire/ember-resistant vents | X | X | X | |
| 6" of vertical non-combustible clearance at the base of the building (e.g. stucco, concrete) | X | X | X | |
| All siding (exterior wall cover) must be non-combustible | — | — | Required unless there are no accessory or neighboring structures within 30 feet | |
| Windows | — | Multi-pane windows + 1 tempered pane | Multi-pane windows + 1 tempered pane | |
| Eaves | Maintained | Maintained | Enclosed | |
| Roofs, gutters, downspouts must be kept clear of debris | X | X | X | |
| Gutters/downspouts must be made of metal | — | X | X | |
| Dryer vents must be made of metal with a louver or flap | — | — | X | |
| If present, shutters must be non-combustible | — | — | X | |
| Exterior doors must be made of non-combustible materials | — | — | X | |
| Space under bay windows must be enclosed | — | — | X | |
| Decks | Clear vegetation and debris from under decks (or no deck) | X | X | X |
| 5 feet of non-combustible clearance required around decks and decks less than 4 feet high must be enclosed | X | X | X | |
| Deck must be made entirely of non-combustible materials | — | — | X | |
| Fencing/Gates | Incorporate only non-combustible materials within 5 feet of the dwelling (e.g., fencing, gates) | X | X | X |
| Any back-to-back fencing must be at least 5 feet apart | — | — | X | |
| Other | Other structures on the insured's premises within 30 feet of the dwelling | All structures on the insured's premises within 30 feet of the dwelling must meet the same standards as the Dwelling | Other structures on the property must be at least 10 feet away with 5 feet non-combustible clearance around them and compliant with all other requirements. No more than 3 accessory structures within 30 feet are allowed. | No structures within 30 feet on the insured's property |
| Discount (applies to Wildfire Peril only unless otherwise indicated) | 10 feet: 12.5% >10 and <30 feet: 17.5% >=30 feet: 22.5% |
10 feet: 20% >10 and <30 feet: 25% >=30 feet: 35% |
10 feet: 25% >10 and <30 feet: 35% >=30 feet: 45% |
|
*You must meet all marked criteria to qualify for these discounts.
Legal Disclaimer: Wildfire mitigation discounts are available in California only and apply to the wildfire peril portion of homeowners policy premium. Discounts, eligibility, and renewal are subject to underwriting approval and policy terms. Mitigation efforts do not guarantee eligibility, renewal, or specific pricing outcomes. IBHS Wildfire Prepared Home® designations are administered by third parties and subject to their requirements.