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The California Department of Insurance Urges Consumers and Businesses to Review Their Insurance Coverage


The National Preparedness Months begins and the California Department of Insurance urges you to review your insurance coverage.

Insurance Commissioner Ricardo Lara (Photo:

As the National Preparedness Months begins, the California Department of Insurance, especially Insurance Commissioner Ricardo Lara urged the people and the businesses to review their insurance coverage and endure that they have proper resources to prepare for any possible disasters that could happen.


According to Sierra Sun Times, California’s diverse challenges from floods, earthquakes, and wildfires, demand proactive preparations. That is why the California Department of Insurance is urging and empowering individuals and organizations with the tools that they need to safeguard their assets and livelihoods, promoting resilience and securing affordable insurance options for Californians.

Insurance Commissioner Lara declared that the California Department of Insurance is using every resource to shield Californians from disaster, by enhancing the safety of each homes and businesses, this can save lives, mitigate the losses, and help make insurance more available and affordable to everyone.

The California Department of Insurance is continuing its review of insurance company discounts to make them available as soon as possible. These proactive measures not only enhances protection but it may also lead to substantial coverage savings. The California Department of Insurance is actively expediting the availability of insurance company discounts for FAIR Plan policyholders, if you ever are a FAIR Plan policyholder, they connect with your agent or broker to learn how to qualify for the Safer from Wildfrires initiative.

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The California Department of Insurance is an advocate and steadfast protector or Californian consumers. They stand as experts in insurance and consumer protection, committed to ensure every Californian’s peace of minds in the face of uncertainty, said Commissioner Lara.


As California grapples with high temperatures, the risk of wildfires remain a concern. Commissioner Lara’s Safer From Wildfires regulations offer a multi tiered strategy for strengthening wildfire resilience.

Here are 2 steps that can be taken immediately:

  1. Keep embers out. Install 1/16 to ⅛ inch noncombustible, corrosion resilient metal mesh over the attic vents can keep wind blown embers out of your house.
  2. Clear the first 5 feet. Remove greenery and replace wood chip with stone or decomposed granite 5 feet around your home to prevent fire from getting a foot in your house.

Traditional insurance policies seldom cover earthquake damages, and a recent data analyzed by the California Department of Insurance revealed that 90% of homeowners and renters lack earthquake insurance. It is vital to assess the necessity of earthquake coverage, particularly for those residing in seismic zones. Meanwhile, floods also pose another potential harm often overlooked by policies. The California Department of Insurance Commissioner Lara underscores the significance of scrutinizing existing coverage to comprehend what risks are included or excluded in the event of rainstorm related damages that is beyond water flooding.

The California Department of Insurance has additional resources to prepare for disasters and to review insurance coverages on their website.

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