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Starting 11/26/2021, AAA Home Insurance customers will be eligible for discounts intended to reward their efforts to make their homes and communities safer from wildfires.
The discounts may be combined for those who qualify. Those who do not qualify for the “Fortify Your Residence” discount, yet still undertake efforts to protect their homes from wildfire, may be eligible for the separate “Fortify Your Residence Lite” discount of up to 5%.
Fortify Your Residence & Fortify Your Residence Lite Discount
How do I qualify for the Fortify Your Residence Discount (15%)?
A 15% discount may apply for AAA Home Insurance customers who have ongoing and verified wildfire protection efforts in place, including, but not limited to:
How do I qualify for the Fortify Your Residence Lite discount (5%)?
A 5% discount may apply for AAA Home Insurance customers who do not qualify for the full Fortify Your Residence Discount (15%) but have ongoing and verified partial wildfire protection efforts in place.
What wildfire protection efforts are included in the eligibility criteria for the Fortify Your Residence and Fortify Your Residence Lite discounts?
For a list of criteria required to qualify for the discounts, click here. Please note, not all customers may be eligible to apply for these discounts. For more information, contact your AAA Insurance agent.
I’ve reviewed the Fortify Your Residence and Fortify Your Residence Lite criteria and am interested in applying for one of these discounts. What are my next steps to obtain either of the discounts?
To qualify for either discount, criteria must be independently verified by IBHS, a AAA-approved vendor. Visit https://wildfireprepared.org/ to learn more about how to ‘harden’ your structure and create a ‘defensible space’, compare the inspection criteria to your property, and place an order for your inspection.
Fortify Your Community Discount
How do I qualify for the Fortify Your Community Discount (5%)?
A 5% discount may apply for AAA Home Insurance customers who live in a community that is part of a program with active and ongoing wildfire protection efforts in place, including, but not limited to:
How do I know if my property is in a community where the Fortify Your Community discount would apply?
If your community is part of a Firewise USA site, you may be eligible for the Fortify Your Community discount. Please contact your homeowner’s association (HOA) for additional information if your property is part of a HOA. Otherwise, please visit the Firewise website to review How to Become a Firewise USA site and other Firewise resources.
General Discount Information
Can I qualify for multiple discounts?
Yes. The Fortify Your Community (5%) discount can be combined with either Fortify Your Residence (15%) or Fortify Your Residence Lite (5%).
What are the eligibility criteria based upon?
The criteria used for these discounts are based on recommended standards for wildfire defense from the Insurance Institute for Business and Home Safety.
For additional information on fortifying your property and community against wildfire, please visit:
