Property Guardian

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Solutions for

Ultra-High-Net Worth Homeowners

Owners of ultra-high-value homes often live where wildfire risk is real — but they also invest heavily in mitigation, maintenance, and proactive property management. Too many wildfire assessments miss that nuance, treating well-managed estates the same as unmanaged risk. Property Guardian helps ensure the true risk quality of a property is recognized in underwriting conversations.

Wildfire Insight for High-Value Homes

Price and place with confidence — not assumptions

Property Guardian delivers deep, property-specific wildfire intelligence that reflects hazard, vulnerability, and the quality of mitigation in place — plus the conditions that can change over time. This gives underwriters and brokers credible data to support defensible pricing, reduce friction during renewals, and have clearer, more informed discussions with sophisticated homeowners. The result is a smoother path to coverage that better reflects how the home is actually managed.

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Property Guardian in Action
  • Highlights resilience and mitigation strength
  • Clarifies long-term wildfire pressure
  • Produces client-ready insight for broker conversations
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Results You Can Measure
  • Improved placement and retention
  • Stronger broker confidence
  • More defensible, mitigation-informed pricing

Wildfire Resiliency Score By The Numbers

200+

advanced wildfire data points used in our insights

1

week onboarding to get you quickly up and running

48

states where Wildfire Risk Insights are available

3

seconds to receive comprehensive wildfire risk insights

Recommended Products

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Wildfire Resiliency Score

Our Wildfire Resiliency Score delivers a transparent measure of wildfire resilience with a curated, property-level assessment of how a structure is likely to perform in a wildfire event.

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A wildfire risk insights report for 22988 Giant Fir Pl, Canyon Lake, CA, showing risk scores for structure, parcel, community, and region. A map and satellite image are included, with the overall risk marked as moderate.

Wildfire Risk Insight Reports

Our Wildfire Risk Insight Reports provide a comprehensive, property-level view of wildfire risk — exposure, potential severity, mitigation effectiveness, and suppression considerations in a single, actionable report.

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Supporting Products

A satellite image showing smoke plumes from wildfires spreading across parts of the western United States, mainly affecting California. The smoke is drifting over the Pacific Ocean, while the land shows varying terrain and weather patterns.

Recurrence Score

Our Wildfire Recurrence Score provides a fast, economical, and clear, property-level indication on how frequently wildfire has occurred — and is likely to recur — at a given location.

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Field Insights

With our Field Insights, our team of Certified Wildfire Mitigation Specialists can assess risk and inspect up to 15 structures per visit, offering expert evaluations and custom mitigation strategies.

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Aerial view of a large wildfire engulfing a forested region, with thick smoke billowing into the sky. The flames are spreading across green terrain, leaving scorched earth in their path.

Overwatch

Overwatch continuously monitors active wildfires and alerts you when something truly matters — so you can act early, protect properties, preserve underwriting profitability, and deliver best-in-class service.

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Ready to Boost Your Insurability?

Protect your investment and unlock better insurance options with our wildfire risk insight reports. Reach out today to see how we can help safeguard your commercial property and improve your insurability!

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