In NorCal also but with USAA 40+ years. Hardscaped around my home a decade ago, thinned the trees, no branches below 5 feet off the ground, keep the gutters clear, have a metal roof, fire-resistant vents, and my garage is detached.
Last couple of years I have been digging a trench around the property line and installed pipe connected to my sprinkler system with 4’ tall piping attached to the 6’ tall metal fence topped with the same sprinklers used on golf courses. Configured them to sweep and can completely soak my home and surrounding yard in 10 minutes. Installed a back-up solar battery to the system in case the power goes out. If I can afford to do this on Social Security and a small pension, why didn’t all the millionaires in L.A. do it for their homes?
Every property is different. We have five acres, kept cleared (mowed) as possible. Trees along the property line shared with the fire department have been cut down or trimmed. I do have a large oak over the detached garage. Metal roofs on all buildings. Well for our water so the pump is electric. We do what we can.
“ In NorCal also but with USAA 40+ years. Hardscaped around my home a decade ago, thinned the trees, no branches below 5 feet off the ground, keep the gutters clear, have a metal roof, fire-resistant vents, and my garage is detached.”
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Sounds like you’re being very proactive with wildfire risk mitigation. I’ve been with USAA over 50 years. Hang on to your policy/coverage. If you ever let it lapse you might not be able to get NEW USAA coverage in California… they are very strict on approving new coverage in California and being a longtime USAA member won’t mean you’ll be exempt from their screening criteria.