Increasingly, climate risks such as hurricanes, floods and wildfires are causing insurance payouts that exceed the premiums insurers are collecting. This leads insurers to raise rates or reconsider insuring certain areas altogether.

The retreat of insurance companies from areas heavily impacted by extreme weather risks has far-reaching consequences. It leaves homeowners unprotected against catastrophic losses, places the burden of recovery on communities, and creates economic instability.

Securing furniture, household items, electronics, and appliances is a relatively simple and affordable measure that can save lives, protect your property, and minimize post-earthquake recovery efforts. By taking proactive steps now, you ensure a safer environment for yourself and your family when the ground begins to shake.

Storm damage isn’t the only way extreme weather affects your home’s value. Rising insurance costs, increased building costs, and more can decrease the value of your home. To understand these costs and how to protect your investment, read on.

In California, under the Safer from Wildfires framework, insurance companies are required to give discounts to policyholders who take specific actions to reduce their home's risk of wildfire damage. Insurance companies also must tell you about the wildfire risk factors on your property — and Safer from Wildfires gives you the tools to reduce your risk and help keep your insurance.