RULE 25.2 - PROTECTION CLASSES
The Protection Class will be determined using the ISO Location Software.
Definitions relating to Protection Classes are as follows:
1) Geographic District - The Fire District in which the dwelling is located.
2) Responding District - The Fire District that responds to an emergency at the dwelling located in a different Geographic District.
3) Class - The numeric risk classification 1 through 10 assigned to a specific Fire District.
4) Rated Class - The numeric risk classification assigned to rate a policy. (See Rule 05.1C).
A premium deviation will be available on Protection Class 9 if all of the following criteria are met:
1) The dwelling is a Protection Class 9.
2) The dwelling is a primary residence.
3) The dwelling is located on a paved road which is accessible year round to all emergency vehicles. The paved road must be at least 8 feet wide. The driveway must be 8 feet wide and can be paved or unpaved. Photos will be required from the road that show the width of the paved road and the driveway.
4) The primary responding fire department is equipped with tanker capacity of 1,500 gallons. A Protection Connection - ISO Location PPC Inquiry Form will need to be completed and sent to Insurance Administration. They will then verify the tanker capacity.
5) Supporting auto is required.
6) The dwelling must meet all other Underwriting Guidelines.
A 15% deviation will be applied to the policy when the above criteria is met and Underwriting has approved the deviation.
