Guest Author - Bonnie Sayers

A basic Homeowners or Renters Policy will include fire coverage, unlike floods and earthquakes that require a separate policy. The premium is based on a few factors such as deductible, where you live, if you have pets and the insurance carrier you choose for protection.

I was asked specifically if I had any pets for the Renters Policy I obtained through Allstate Insurance Company. They also inquire to the distance from your home to the Fire Station. Some carriers will offer a discount if you have a fire extinguisher, smoke detectors and possibly carbon monoxide detector. I have all three and received a 5% discount for already being an Allstate customer. My automobile policy received a 10% discount.

Homeowners need to have quick and easy access to a tall ladder they can use to get to their roof. A working hose for your yard will come in handy for your house. Do a check of your smoke dectectors and keep everyone aware of where the fire extinguisher is kept.

While fires are burning here in Southern California the television stations have news on around the clock. There are many officials offering tips to homeowners. Schools in the area of wildfires might be closed due to the strong smells in the neighborhood. They mentioned to keep windows closed in your home and have your car facing outward for quick exit. All your valuables and important documents should be packed and inside the car in case you get that knock on the door with a two-minute warning.

The region that gets hit with wildfires here in Southern California have livestock that needs to be evacuated as well. I heard that Pierce College was taking in the horses, cattle, pigs and other livestock. The Veterinarian students were assisting in overseeing the animals. Caring for Livestock during disasters or caring for livestock before disasters. These articles are from Colorado Dept of Agriculture.

Many schools are transformed into shelters with some accepting pets, mostly dogs or cats. At the places where livestock is housed cats and dogs are not accepted.

My allergies are worse when the Santa Ana winds kick up, as well as my breathing feels tighter. I feel like I need my asthma spray when I get indoors to recoup from being out in that weather. If you suffer from allergies or have asthma, do not forget to pack your wellness items for these ailments.

Everyone needs to learn the stop, drop and roll system - Stop what you are doing, drop to the ground, cover your face, and roll back and forth until the flames go out. Running will only make the fire burn faster. This data is available at American Red Cross Disaster Safety This site also lists what to do after a wildfire and returning home. Check the roof, main power valve and use a camera to take photos. Also test your drinking water before consumption.

There is no time like the present to obtain a quote for Property Insurance - this means anyone who is a renter should have a policy. Also it is important to clear items from the front and back doors for a quick exit. We had looked at a house to rent a few years back that only had a front door. The back door had been closed off years earlier. I felt this was a hazard. If you are shopping around for a house or an apartment, inquire to the residents about fire hazards in the area. Also make note of where the Fire Station is.


Protecting Residences from Wildfires

California Fair Plan Insurance

California Fire Alliance

National Weather Service

Protecting your home from Wildland Fire

Who Must Restore Tenant Improvements After a Fire?

Insurance Issues for Military Personnel

Texas Help - Farm Specific Fire Safety

Canadian Forest Service

Coping with wildfires

Create a Fire Smart Landscape

FEMA for kids

Los Angeles Fire Corps


For those interested in wildfires, Fire and Ashes: On the Front Lines of American Wildfire is available at Amazon.

Renter's Insurance: How to Get the Best Coverage for the Cheapest Price When Someone Else Owns the Place Where You Live is available at Amazon.

Review Property Insurance needs based on tips learned from Hurricane Katrina

Wildfire Prevention Tips


National Fire Weather Page

Glosssary of Wildland Fire Terms