How Will Protection Class Affect My Homeowners Insurance?

How Will Protection Class Affect My Homeowners Insurance?

Many unsuspecting homeowners who move to a new neighborhood are confused when they are faced with a hefty premium increase. Each home is classified by a unique protection class, which can end up costing you depending on where you move.

Insurance Services Organization (ISO) evaluates the unique risk factors of fires occurring in a particular area and assigns a Public Protection Class (PPC) number accordingly. The higher the number your home receives, the more you will pay for homeowners insurance.

By evaluating your home’s distance to a fire hydrant and a fire station, in combination with the staffing of the local fire department, ISO will determine your home’s risk factor, and assign a PPC number accordingly.

Therefore, your premium increase is a result of moving to an area that is more likely to experience a fire related disaster. In safeguarding their own assets as a company, premium increases occur.

Contact Miller Insurance Associates in Carlisle for all of your Pennsylvania homeowners’ insurance needs. Allow us to tell you how your move will affect your homeowners’ insurance premium so that you are not faced with any unpleasant surprises after you get settled.