What is a protection class in insurance?

Put simply, a protection class is a grade given to a home based on the community’s fire fighting abilities. This is used as a major factor in determining premium. If you’re close to a source of water, that can help reduce premium.

What is a protection class rating?

The Public Protection Classification program is a rating system with a range from 1 (best) to 10 (worst) that numerically ranks a community’s municipal fire protection system. Class 1 represents an excellent fire protection system, and class 10 indicates virtually no protection.

How do I find my protection class code?

How do I look up a Protection Class by address?

Log in to WSRB.com with your user name and password.
From the menu at the top of your screen, select Protection.
You’ll see the search screen.
The “Search Option” box will default to “Address Search,” so you can immediately enter the address you are searching for.

What is protection class 10 in insurance?

WSRB assigns each community a Protection Class of 1 through 10, where 1 indicates exemplary fire protection capabilities, and 10 indicates the capabilities, if any, are insufficient for insurance credit. This class is based on an evaluation of the effort the community has made to provide fire-protection services.

What is the best protection class?

Class 1 is the best fire protection available, while Class 10 means that there is very little fire protection available.

What is protection class 9?

If your home is within 5 miles of a responding fire department but there is no hydrant within 1000 feet, then your home is assigned a protection class 9. If you are assigned a protection class 1 – 8, then you can expect your insurance rate to be lower than a home that is assigned a protection class 9 or 10.

What does Protection Class 8B mean?

Class 8B is a Public Protection Classification (PPC®) for communities that provide superior fire protection services and fire alarm facilities but lack the water supply required for a PPC of Class 8 or better.

How is public protection class determined?

Public protection class and fire protection class are two terms for the same classification of a community’s fire suppression capabilities, Protection classes are determined using a 100-point scale by the Insurance Services Organization, The protection class of your home will impact your homeowners insurance rates.

What is the difference between protection class 9 and 10?

If your home is not within 5 miles of a responding fire department then your home is assigned a protection class 10. If your home is within 5 miles of a responding fire department but there is no hydrant within 1000 feet, then your home is assigned a protection class 9.

What is an insurance protection class?

An insurance protection class is developed by ISO (Insurance Services Office) and ranges between 1 and 10. Also known as a ‘Fire Protection Class,’ it is based on your distance to a water source, how quickly the nearest fire department can respond in the event of a fire, and what equipment they have.

What is the definition of protection class?

protection class. A rating determined by the Grading Schedule of Cities and Towns. This rating is given based on the level of fire protection.

What is insurance protection class 9?

Protection Class 9-10. You may encounter difficulty obtaining homeowner’s insurance in the standard market if your property is located in an area with a PPC higher than an eight (8). A “Class 9” grading means the community’s fire-protection system meets ISO requirements, but the water supply system does not.