Interactive guide
Wildfire in California, hurricanes in Florida — two very different threats, and the handful of upgrades that decide whether a home makes it through. Pick a hazard below and harden the house yourself.
Start hardeningClick any glowing point on the home — or an upgrade in the list — to fortify it. Every upgrade is a real, documented way homes survive.
Illustrative model · for education, not a coverage or pricing quote.
Wildfire vs. hurricane
Wildfire and hurricane damage have almost nothing in common. Knowing how each one actually reaches your home is what tells you which upgrades are worth doing first.
California · Embers travel; heat radiates.
Florida · Wind pressurizes; water follows.
Why it pays off
Here’s the catch with most home insurance: it prices your house off its ZIP code. The new roof, the cleared five feet, the sealed deck — none of it really shows up. You did the work, and nobody noticed.
Stand looks at your actual home instead. We built a tool called Frontier that plays out how a fire or a storm would hit your specific house — so the upgrades you make genuinely count toward your coverage.
And it pays off twice: every $1 put into hardening saves roughly $13 in damage down the road — and, more to the point, leaves you a home that’s still standing to come back to.
Take a look at FrontierFrontier · Stand’s home model
How fire spreads · wind · the structure · what’s around it
Get a quote
A best-in-class homeowners policy that rewards the hardening work you’ve done — built for the wildfires and hurricanes the rest of the market keeps walking away from.
HO-5 coverage engineered around the physics of fire, with credit for the hardening you’ve done.
Get a California quote FloridaCoverage for high-value Florida homes, built for wind and water — not a stripped-down policy.
Get a Florida quotePlacing coverage for clients? Get appointed with Stand →