Iso fire safety

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Fire Service. But, all other things being equal, a lower PPC score for your area may translate to a lower homeowners insurance premium , as it means your home is at a lower risk for serious fire damage. Home insurance companies offer lower rates if you have a good ISO rating because a well-prepared fire department should be able to put out a house fire more quickly.

However, how your rating impacts your homeowners insurance premium varies by insurer, and it's often only one of many factors it considers with regards to fire safety. For example, some companies ask about your home's proximity to a fire station or fire hydrant, as well as whether you have a fire alarm or sprinkler system. Instead, they use their own metrics based on factors like historical fire data.

With that in mind, if your homeowners insurance premium has increased due to a negative ISO fire rating, or you're no longer able to get home insurance at all, you may be able to bring your costs back down by shopping around for the best homeowners insurance company for your needs.

If your area has a poor fire score, it's a good idea to take extra steps to fireproof your home , like installing a sprinkler system or smart smoke alarms. Many insurance companies provide discounts to homeowners who take extra steps toward fire prevention, which may help you offset increased insurance costs. What's more, it will simply keep your home safer from fire damage.

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