In many areas, July marks the peak of wildfire season. Whether you live in a high-risk zone or just want to be prepared, now is a critical time to understand how your insurance would respond in case of fire.
Steps to take now:
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Review your homeowners or renters insurance to confirm that fire damage is covered—and that your dwelling and personal property limits are up to date.
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Create a digital home inventory with photos and receipts of your most valuable belongings.
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Check your deductible—know what you’d be responsible for out-of-pocket.
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Talk to your agent about endorsements or special coverage if you live in a wildfire-prone area.
Pro Tip: Keep important documents like insurance policies, birth certificates, and medical records in a fireproof safe—or backed up digitally in the cloud.
Being proactive can make a huge difference if disaster strikes. Your insurance policy should be a safety net—not a surprise.
