The podcast episode delves into the increasing challenges homeowners face in California and other wildfire-prone states regarding insurance coverage and risk mitigation. The host OP Almaraz, representing Allied Disaster Defense, outlines various preventive measures they assist homeowners with, including installing ember-resistant vents, gutter guards, vegetation management, fire retardant spraying, earthquake shut-off valves, and automatic water shut-off valves. Despite homeowners investing in these measures to reduce risk, insurance premiums are skyrocketing, and deductibles are becoming exorbitant, with some reaching up to $300,000. The host emphasizes the importance of brokers in navigating insurance challenges and urges homeowners to prioritize risk prevention due to the changing insurance landscape. Highlights and Show Notes: Allied Disaster Defense assists homeowners with various preventive measures against wildfires, including ember-resistant vents, gutter guards, and vegetation management.   They also provide services such as fire retardant spraying, earthquake shut-off valves, and automatic water shut-off valves.   Despite homeowners investing in risk reduction measures, insurance premiums are increasing dramatically.   Some insurance companies are imposing high deductibles, up to $300,000, making it challenging for homeowners to access coverage.   Brokers play a crucial role in finding insurance solutions and advocating for homeowners.   The host OP encourages homeowners to prioritize risk prevention and acknowledges the challenges posed by the changing insurance landscape.