protection classes
Protection classes are the 10 categories used by the Insurance Services Office, Inc. (ISO), to rank the fire protection in cities and towns according to three factors:
(1) The fire department quality—this includes its equipment, staffing (i.e., paid or volunteer), training, and geographic distribution of firefighting companies. This factor accounts for 50 percent of the total classification.
(2) The water supply system—this includes the condition, distribution, inspection, and maintenance of fire hydrants and a comparison of the available water to the amount needed to extinguish a fire. This accounts for 40 percent of the total classification.
(3) The fire alarm and communications systems—this includes telephone systems, telephone lines, staffing of these systems, and the quality of the dispatching system. This factor accounts for 10 percent of the total classification.
The Public Protection Classification program is a rating system ranging from 1 (best) to 10 (worst) in assessing that fire protection system. Nearly all US insurers use ISO's public protection classification in calculating rates for homes. However, many insurers deviate in some way from the rules of the public protection classification program through the use of independently filed rules.
protection classes
Protection classes are the 10 categories used by the Insurance Services Office, Inc. (ISO), to rank the fire protection in cities and towns according to three factors:
(1) The fire department quality—this includes its equipment, staffing (i.e., paid or volunteer), training, and geographic distribution of firefighting companies. This factor accounts for 50 percent of the total classification.
(2) The water supply system—this includes the condition, distribution, inspection, and maintenance of fire hydrants and a comparison of the available water to the amount needed to extinguish a fire. This accounts for 40 percent of the total classification.
(3) The fire alarm and communications systems—this includes telephone systems, telephone lines, staffing of these systems, and the quality of the dispatching system. This factor accounts for 10 percent of the total classification.
The Public Protection Classification program is a rating system ranging from 1 (best) to 10 (worst) in assessing that fire protection system. Nearly all US insurers use ISO's public protection classification in calculating rates for homes. However, many insurers deviate in some way from the rules of the public protection classification program through the use of independently filed rules.
