A home burning down due to a wildfire will generally be covered up to the insured amount minus depreciation under dwelling coverage, belongings will be covered under personal property coverage, and the cost of relocating temporarily may be covered by loss of use coverage, he adds.

No stranger to natural disasters, Pasadena resident Pedro Rojas keeps a safety bag in his car with essentials like a jacket, gloves and running shoes in case he needs to flee at a moment’s notice.