Local Fire Ratings And Your Homeowners Insurance

Article Posted by Expert Author: Carly Jorge  on 04/08/2013

Did you know that 70% of the firefighters in the United States are volunteers? That high number could very well mean that your local fire department is not full of paid professionals, and therefore, wind up costing you more on your homeowners insurance.


Your home insurance rates are calculated according to a score obtained by the existence of certain factors in your area, such as whether the fire department is volunteer or paid professional. And a whopping fifty percent of that score rests on the status of your local fire department!


The fire rating of your community is measured on a scale of one to ten, with ten being the worst according to homeowners insurance terminology. A community with a paid firefighting staff would rate a 3. Unfortunately, your insurance rates will likely suffer should your community's volunteer fire department either close or merge with a department nearby. This is because the proximity of the new fire department could place your home outside of the preferred five or six mile distance from it, which could increase the response time, ultimately increasing the damage to your home by fire.


Understanding issues like this one can dramatically alter the cost of your homeowners coverage.  Make sure you check out all of the articles on our site to understand your specific scenario.


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