Mercury Insurance Monday announced two programs the Brea-based company is launching to help Californians better protect their homes and families if they live in areas prone to wildfires.

Homeowners who take one or more steps to either harden their homes against wildfires or live in a community recognized by the National Fire Protection Association as a Firewise USA site will be eligible to receive discounts of up to 18%.

The company also announced that homeowners who have a California Fair Access to Insurance Requirements Plan policy are now able to strengthen their protection with Mercury’s new difference-in-conditions endorsement, which fills the gaps in their FAIR Plan coverage.

“We’re in this together, which is why Mercury is engineering solutions to encourage proactive actions that better protect homeowners from wildfires,” said Jane Li, the company’s director of product management. “It’s important for homeowners in these areas to take proactive steps to help shield their property from fire, and it’s just as important for everyone in the community to work together to reduce their shared ignition risks, which could save them money and improve their insurance eligibility.”

The property level discount applies to policies for hardened home structures and landscapes with sufficient defensible space. Installing a class “A” rated roof, using siding made of stucco, metal or brick, and regularly maintaining a fire-resistant landscape are examples of steps homeowners can take to earn a discount, according to Mercury.

To learn more about the precautions homeowners can take to maximize their discount, visit

The community level discount is for homes that are located in a NFPA Firewise USA Recognition Program site, shelter-in-place community or are part of a community with an active annual fuel mitigation program in place. Mercury has partnered with the NFPA to help identify homes that are eligible for coverage and savings based on location. Consumers can visit the NFPA’s Firewise website to see where recognized sites are located and to learn more about how to participate in the program.

Homeowners, condominium owners or renters with a California FAIR Plan policy can now get a Mercury Insurance difference-in-conditions endorsement to cover the gaps in the FAIR Plan policy — including water damage caused by broken pipes, theft and liability. Policyholders will also have the option for coverage of damages from other perils, including windstorm, hail, “riot or civil commotion,” aircraft, vehicles and vandalism or malicious mischief.

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