Are homeowners premiums currently fluctuating with the community's fire-fighting ability?

Did you know that one of the factors that identify the cost of your premiums is how well your city handles fires?

The closer you live to a fire station and the better your state deals with fires, the lower your home insurance premiums will be. For example, if you live in a state with a professional fire department rather than a volunteer fire department, you are very likely to have lower premiums.

Your city does, in fact, get graded. The Insurance Services Office (ISO) measures the following:

The community's phone system

Fire-fighting equipment

Water supply

Fire-protection class

Professional or non-professional fire stations

Your state's current number of deaths caused by fire

The quality of fire departments

Number of fire stations

Amount of equipment that the fire stations have

Number of operators to handle calls

Nevertheless, just because you live close to a fire station or just because of the fact that you live in a state that has a good grade when it comes to fire-fighting ability, that doesn't mean that you are going to have low premiums. It is highly crucial to keep in mind that there are a lot more factors that identify how high or how low your premiums are going to end up being.

Did you know that you are responsible for knowing your fire-protection class? It's true, you are. Keep in mind that your insurance company is not responsible for telling you when the state of your fire-protection class. You can find that out on your own, if you wish to know the status of your state when it comes to fire-fighting ability.

By: www.2insure4less.com