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Approved insurer risk-reduction goods and services rules

Washington State Office of the Insurance Commissioner · State program

No fixed dollar cap in this rule; it governs eligible goods/services insurers may offer.

Washington’s insurance rules let approved insurer risk-reduction programs include wildfire brush and fuel source removal services, plus related safety goods and services. This is not a grant; it is a regulatory framework that can support homeowner discounts, vouchers, or services through an insurer.

Last verified: August 1, 2026
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Program details

How it works

The Washington Administrative Code says goods or services approved for an insurer risk-reduction program or pilot program must reduce either the probability or extent of damage from a covered peril. The rule specifically includes brush and other wildfire fuel source removal services.

What the money covers

The rule lists examples of eligible items that insurers can include in their programs, including:

  • Smoke alarms
  • Fire extinguishers
  • Natural gas detectors
  • Brush and other wildfire fuel source removal services
  • Water monitors
  • Water shut-off systems
  • Locking mechanisms
  • Lightning protection devices
  • Security lighting
  • Security camera systems
  • Home safety monitoring systems
  • Other goods or services approved by the commissioner through form filing

Amounts and matching

The rule does not set a separate dollar amount. It regulates what items may be included and says vouchers are only permissible for items listed in the rule and must fully redeem the goods or services.

Timing and deadlines

This is an ongoing rule, not a one-time application program.

Full eligibility details

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