Fire fighters lower your insurance cost

Did you know that the amount of money that you pay on home insurance fees largely depends on the area that you live in? People who live in areas of the country that are vulnerable to flooding and hurricanes pay a higher insurance fee. But did you also know that the number of fire men working at your local fire department matters when it comes to paying your insurance?

The fact that (or if) a fire department makes use of the services of volunteers or only professional fire fighters (or a combination of the two) largely affects the so-called ISO rating assigned to each property. This rate indicates the risk that you (and your home) run. This rating is connected to your insurance claim and the hire the rating is in your area and of your home in particular, the more you have to pay in insurance fees.

Many fire stations are now hiring career firefighters to supplement their group of volunteers. This lowers the cost of home insurance in their area. Most volunteers have had as much training (and have as much experience in fire fighting) and professional firefighters. However, insurance costs may be even lower if your local fire station is manned by professional career fire fighters only simply because these men and women will be manning their stations 24 hours a day. This in effect means that they are able to respond to situations quicker and reduce the risk of homes burning down completely.

Another thing that counts when it comes to insurance rates is the question what clients have done themselves to limit fire danger and possible damage. Things that you can do are clearing away trees close to your home. Obviously this is most important for people whose home is situated very close to a forest.