In case of fire, this insurance company scrambles to protect your home

Hands holding house

Public fire services simply can't defend every home against the threat of wildfires.

These disasters result in big losses -- both for homeowners and their insurance companies.

For example, the Texas wildfires in early September destroyed nearly 2,000 homes and may have resulted in $250 million in covered losses, the Insurance Council of Texas estimated.

However, some homeowners who maintain a hazard insurance policy with New Jersey-based The Chubb Corp. can receive complimentary wildfire defense services in 14 states.

Wildfire defense services include:

Wildfire defense coverage also reimburses eligible homeowners up to $5,000 with no deductible for out-of-pocket expenses they incur to protect their homes.

Homeowners can use this coverage to hire a wildfire defense service provider of their choosing.

To be eligible, homeowners must have a Chubb Masterpiece homeowner’s policy (, which is a step above the more common HO-3 and HO-5 policies.

The added bells and whistles mean that customers will pay more for this policy.

It does contain some nice features like extended replacement cost coverage for your house and its contents, unlimited loss of use coverage, water backup of sewage and drains coverage, and unlimited rebuilding to code coverage.

The Masterpiece policy also contains several high-end features that will probably only be useful to wealthy clients.

The states where coverage is available are Arizona, California, Colorado, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, South Dakota, parts of Texas, Utah, Washington and Wyoming.

Condominium, cooperative and renter policyholders as well as California Fair Plan Extension policyholders are not eligible.

To ensure that your house will receive wildfire protection services, it’s best to enroll well before your home is in danger.

Chubb states: "It may be difficult for Chubb to transmit enrollment details to our wildfire firefighters while they are working in the field during an event. As such, services will be provided as capacity allows to customers who enroll at the time of an event."

For customers who live in areas threatened by wildfires and who can afford a premium homeowner’s policy, Chubb’s free wildfire defense services and coverage could be valuable assets.

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