What Is Fire Protection Class In Homeowners Insurance
Fire Protection Class is a 1 - 10 rating provided by ISO that evaluates a county's fire suppression capabilities - how fast can they put out a fire, after it's reported. This rating is used by home insurance carriers to determine the response time of dealing with a fire at your home. A low protection class rating means a fast and efficient response, while a higher protection class means a fire can do severe damage before any assistance arrives. The fire class rating system follows a simple points system:
|2||80.00 - 89.99|
|3||70.00 - 79.99|
|4||60.00 - 69.99|
|5||50.00 - 59.99|
|6||40.00 - 49.99|
|7||30.00 - 39.99|
|8||20.00 - 29.99|
|9||10.00 - 19.99|
|10||0.00 - 9.99|
The points give credit for factors relating to Emergency Communications, Fire Department, and Water Supply. Any location can earn the following points if they meet the condition:
|0.5||Reserve Ladder/Service Trucks|
|5.5||Community Risk Reduction|
|30||Credit for Supply System|
|3||Hydrant Size, Type & Installation|
|7||Inspection & Flow Testing of Hydrants|
The distribution of fire protection class across the US looks like this:
What Does Protection Class Mean For The Homeowner?
If you are in protection class 1-8, you usually have less to worry about when it comes to shopping for insurance. Where carriers get a little nervous is protection class 9 and 10:
Protection Class 9: When you have a credible dispatch system, but no reliable water supply is nearby.
Protection Class 10: Does not meet the minimum FSRS criteria for recognition. Usually no water supply within 1,000 feet and no fire station within 7 miles.
A fire claim is the most expensive claim a carrier will usually payout, and they care a lot about how fast a fire can be controlled and extinguished. A twenty-minute delay in fire response time can be the difference between a $50,000 and a $300,000 check from the carrier. Now you know why insurance carriers care so much about fire protection class when pricing risk in home insurance. I hope that helps!
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