One of the tools that homeowner insurance companies use to determine how much you will pay for your homeowner insurance is your fire protection class. Fire protection classes range from 1 – 10. An independent company rates City and County Fire states. This company is known as ISO, Insurance Services Office.
Some of the factors that are used when ISO rates a City or County Fire Station are:
- Number of fire trucks
- Amount of water the fire trucks can carry to the scene of the fire
- Amount of water the fire trucks can pump per minute
- Number of firemen that are employed by the City or State and whether it is a voluntary fire station is a factor
Overall, ISO is looking at the response time and how much man power and equipment is available to put the fire out upon arrival.
The fire protection class is then assigned to your home based on your responding fire department and its fire class. The class is determined by the responding fire department that will respond to your home in the event of a fire. If you are located in city limits, your home will be assigned the protection class based on the city’s protection class.
If your home fall into county territory, your protection class will be based on the county’s protection class. There are two factors that can impact the fire protection class for homes in county territory:
- The number of miles your home is located in proximity to a fire station
- the number of feet that your home is located in proximity to a fire hydrant
In order to qualify for the fire protection class of the closest responding county fire department, your home must be located within 5 miles of the station and within 1000 ft of the fire hydrant. (1000 feet is approximately 3 football fields) If your home meets these guidelines, you will be assigned a protection class of 1 – 8 based on the county’s protection class.
If your home is not within 5 miles of a responding fire station then your home is assigned a protection class 10.
If your home is within 5 miles of a responding fire station, but not within 1000 ft of a hydrant then you will be assigned a protection class 9.
Homes that are assigned 1 – 8 typically can expect insurance rates to be lower than a home that is assigned a protection class 9 or 10 because the response time to your home and the availability of water to put the fire is more abundant.
No matter your protection class, we can help you to get insured and because we are so good at what we do, we have programs that help to keep the rates down even if you are a protection class 9 or 10. We have favorable options for all protection classes 1 – 10.