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Based on your score, we assign a Public Protection Classification \u2013 a number from 1 to 10. Class 1 represents the best public protection, and Class 10 indicates less than the minimum recognized protection.
If your community has a low ISO rating class, such as 1, 2 or 3, this suggests to your insurance provider that your home is at a lower risk for serious fire damage and that your area is well equipped to put out, mitigate and prevent fires.
Based on your score, we assign a Public Protection Classification \u2013 a number from 1 to 10. Class 1 represents the best public protection, and Class 10 indicates less than the minimum recognized protection.
Protection class 9, which means the community meets the ISO requirements for quality and communications but has an inadequate water supply. Protection class 10, which means the community does not meet the ISO's minimum standard in any category.
If your community has a low ISO rating class, such as 1, 2 or 3, this suggests to your insurance provider that your home is at a lower risk for serious fire damage and that your area is well equipped to put out, mitigate and prevent fires.
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The class is determined by the responding fire department that will respond in the event of a fire. If you are inside the city limits, you are assigned a protection class based upon the city's protection class. If you are not inside the city limits, then your protection class is based upon the county protection class.
ISO stands for Insurance Services Office. ISO is an entity, paid for by insurance companies, that evaluates the response capabilities and equipment of Fire Protection Districts and Fire Departments for fire-related responses.
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.
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.
Class 10W represents a property that has better loss experience than a traditional Class 10.

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