HOME HARDENING / POTENTIAL INSURANCE SAVINGS

Estimate potential insurance savings.

See how a potential home-hardening discount could affect your current insurance premium. Start with the illustrative example, adjust the inputs, and compare the result with a sample project budget. Your insurer confirms eligible improvements and savings.

A1 EMBER HOME HARDENING

Estimate potential home-hardening insurance savings.

Explore how an additional mitigation discount could affect your premium, then plan home-hardening and defensible-space improvements with our team. Your insurer determines eligible work, documentation requirements, and the actual discount.

Make the estimate yours

Start with the example, or adjust the figures to match your policy.

Annual insurance premium ($)

Your current yearly premium, including existing discounts.

Additional discount (%)

A new reduction on your current eligible premium. Do not add separate upgrade discounts together.

Discount applies to

An insurer may discount only part of your premium, such as wildfire coverage.

Eligible annual portion ($)

The current annual amount the new discount would apply to.

Discount source

Changing this label does not verify the figure or replace the sample amounts.

The starting $6,000 premium, $4,000 eligible portion, and 10% discount are illustrative examples, not typical rates or guaranteed savings. Replace every sample figure with your policy information.

How we calculate savings & what to ask your insurer

How this comparison works

Annual savings: current eligible annual premium × additional discount ÷ 100. Monthly equivalent: annual savings ÷ 12; this is not a monthly bill. Annual premium after the scenario: current total annual premium minus annual savings. Five-year savings: annual savings × 5.

Simple payback from insurance savings only: each end of the installation estimate range, including its access adjustment and planning contingency, divided by annual savings. This compares installation cost with assumed insurance savings; it does not subtract installation cost from your premium or include other potential benefits.

The five-year and payback comparisons assume a constant premium and discount. They do not account for future premium changes, delays, maintenance, financing, taxes, or the time value of money.

Ask your insurer

Discount eligibility and amounts vary by insurer and policy. Confirm which selected work qualifies, what photographs, invoices, product information, or inspection are needed, the premium amount the discount applies to, and its effective date.

No insurer, policy number, or personal information is collected. This comparison stays in your browser and is not submitted or saved.

PLAN YOUR NEXT STEP

Plan your home-hardening installation cost.

Choose installation quantities to explore an illustrative mitigation budget, then compare it with the insurance savings scenario above.

SAMPLE RATES

These illustrative placeholders are not market quotes or company-approved prices. Use this tool to explore how quantities and assumptions change an example budget.

1. Choose the work

Select any services, then enter whole-number quantities.

Ember-resistant vent replacement$200–$400 per each · sample installed rate

Number of vents

Gutter protection$18–$30 per linear ft · sample installed rate

Gutter length (linear feet)

Steel fencing$90–$150 per linear ft · sample installed rate

Fence length (linear feet)

Gap sealing$8–$18 per linear ft · sample installed rate

Gap length (linear feet)

2. Set the assumptions

Site access

The complex-access example adds 20% to the entire installed base, including sample materials and labor. This is a placeholder adjustment.

Planning contingency

A separate planning allowance, applied after the access adjustment.

Review sample rates and calculation

Illustrative placeholders only. These values are not company-approved pricing or market quotes.

Example installed unit rates
Service	Sample range	Unit
Ember-resistant vent replacement	$200–$400	Per each
Gutter protection	$18–$30	Per linear ft
Steel fencing	$90–$150	Per linear ft
Gap sealing	$8–$18	Per linear ft

Base: each selected quantity × its sample unit rate, added together. Access: 0% or 20% of the entire installed base. Contingency: 0%, 10%, or 15% of the base plus access adjustment. The low and high totals use the corresponding low and high unit rates. Displayed amounts are rounded to the nearest dollar, so displayed line items may differ slightly from their sum.

No property information is collected. Calculations stay in this browser and are not submitted or saved.