For High-Risk Area Homeowners
High Wildfire Risk Doesn’t Have to Mean Uninsurable.
Carriers aren’t judging your ZIP code alone—they’re judging your property. Cindera shows you exactly what your home needs to qualify, helps you get it done, and proves it to insurers.
Sound familiar?
Non-renewal notices after years with the same carrier
Quote after quote declined because of your home’s wildfire risk score
Buying a home and discovering no carrier will bind coverage
No one can tell you what would actually change the answer
How Cindera changes the answer
California’s Safer From Wildfires framework means carriers must account for property-level mitigation. The work you do—when verified—changes how your home is priced and whether it qualifies.
A score insurers understand
Your dynamic Cindera Score reflects your home’s current wildfire readiness—and shows the exact gap between you and coverage.
The right upgrades, in the right order
Embers cause the vast majority of home losses. We prioritize vents, roof, Zone 0, and defensible space—the changes carriers weight most.
Grants that help pay for it
Cindera matches your address to grants, rebates, and city or fire-district matching dollars so you don’t pay full price.
Verified proof, not promises
Photo and video evidence with timestamps and location data—documentation carriers can trust at underwriting time.
Need help with insurance now?
Tell us your situation and property address. Our team reviews your home and follows up in Messages with next steps—free for homeowners.
Get insurance helpHow Cindera works
Create your account
Get started free in under a minute—no score required to begin.
Add your home
Enter your address in the app to unlock your readiness score and plan.
Work your action plan
DIY or vetted vendors—upload photo proof as you go.
Unlock the payoffs
Grants, matching dollars, and better insurance options.
Frequently asked questions
Why was I denied or non-renewed?
Carriers have tightened their wildfire risk models. If your home doesn’t meet current standards for hardening and defensible space, many carriers won’t quote it—regardless of your claims history. The good news: those standards are property-level, which means they’re fixable.
Does hardening my home actually change insurance outcomes?
California’s Safer From Wildfires regulation requires participating insurers to recognize qualifying mitigation in their pricing. Verified hardening can affect both eligibility and premium, though outcomes vary by carrier and property.
I’m buying a home in a high-risk area. Can Cindera help before closing?
Yes. Run the address through Cindera to see its starting score and the likely work needed. Knowing the insurability picture before you close helps you negotiate, budget, and avoid surprises with your lender.
What if no carrier will take my home right now?
The FAIR Plan can bridge the gap while you complete your action plan. Cindera helps you make that arrangement temporary instead of permanent.
Find out what your home needs to qualify
Create a free account and start your personalized action plan.