How can you find your insurance protection class?
Quick Answer
To find the insurance protection class for a home or business, use the Protection Class & Distance to Coast Lookup tool on State Auto's website. Enter the address, city, state and ZIP code information, and the tool attempts to find the relevant public protection class information, per State Auto.
Continue ReadingFull Answer
The insurance protection class refers to a one to 10 ranking system used to measure the quality of a city's fire protection systems and policies, notes Zacks. Houses in rural areas with limited fire-fighting services may receive a nine or 10. Locations in cities are usually among the higher classes. Each home's rating also changes based on its proximity to a fire hydrant.
Roughly 50 percent of the classification depends on the quality of the fire department, while the water supply system counts for another 40 percent, according to IRMI. Fire alarms and communications make up the remaining 10 percent. Almost all insurance companies in the United States use this system when calculating rates.
It is possible for a building's or home's protection class to change if the city improves or falls behind in its fire fighting ability. There are some cases where insurance agents falsify protection class details to ensure lower premiums. If this occurs and the insurance company finds out, it can result in higher rates or cancellation of the policy, states Zacks.
Learn more about InsuranceRelated Questions
-
Q:
What is protection class for homeowners insurance?
A: Protection class for homeowners insurance is a number that indicates how vulnerable a home is to a fire. This number is calculated by determining local fir... Full Answer >Filed Under: -
Q:
What are some features offered to customers by UPC Insurance?
A: Some features available to customers with a policy from UPC Insurance include coverage in the event of a natural disaster that damages the home, flood insu... Full Answer >Filed Under: -
Q:
What are the benefits of buying a home life insurance policy?
A: Benefits of a home life insurance policy include financial protection from certain unforeseen circumstances, including damage to home and property by natur... Full Answer >Filed Under: -
Q:
What is Florida Family Insurance?
A: Florida Family Insurance is a Florida-based company offering homeowners insurance protection against hurricanes and other catastrophes in Florida, accordin... Full Answer >Filed Under:
You May Also Like
-
Q:
Do you need insurance if you want to purchase a small fishing boat for sale?
-
Q:
What is MetLife?
-
Q:
How do you determine USAA insurance eligibility?
-
Q:
Can a person get insurance on a salvage automobile?
-
Q:
How much of the average cost of dentures is covered by insurance?
-
Q:
Do you need car insurance to apply for a vehicle registration?
