Summer Wildfire Season Is Here.Is Your Home Properly Protected?

Summer in Arizona is more than sunshine and barbecues, it’s wildfire season. And with rising temperatures and drier conditions, it’s more important than ever to make sure your insurance coverage can handle what the desert might throw your way.

One major issue we’re seeing across Prescott, Tucson, and other fire-prone areas is the fire score — a number that can make or break your ability to insure a home affordably. Fire scores are determined by proximity to fire stations, brush clearance, emergency access, and more. And they’re not something most buyers consider until it’s too late.

What You Need to Know:

• Your current policy may not cover everything. Many homeowners assume fire damage is always covered, but some policies have exclusions or high deductibles in fire zones.
• Shopping for a home? Check the fire score before you fall in love. We’ve seen buyers go under contract, only to find out their dream home is virtually uninsurable due to fire risk.
• Brush clearance and defensible space matter. Not only does it improve your safety — it can also improve your eligibility and premiums.

At VIP Insurance Professionals, we know the local landscape. We’ve helped clients navigate high fire score zones, explore specialized carriers, and take proactive steps to reduce their risk.


Before the smoke’s in the air, give us a call. We’ll make sure your coverage is fire-season ready.