As part of our continued effort to ensure we are getting the appropriate rate for each homeowner’s risk, we closely monitor rating variables such as protection class assignments.   Here are a few reminders when entering the location information in iBIS.

1)      Be sure to determine the actual location of the residence.  If the home is not located within the city limits, the surrounding township must be selected on the Location Protection screen in iBIS.

2)      The distance to the fire hydrants and responding fire department is also very important in determining the appropriate assignment in a split class situation.

3)      Getting this information from your client at the time of application will help to avoid possible changes to the protection class.   This will also alleviate any necessary premium adjustments to the policy.

SUBURBAN PROTECTION EXCEPTION

A Residence Premises with a multiple (split) protection class assignment located outside the city limits may be rated as Protection Class 8A provided the following conditions are met:

A. It is located within five (5) road miles of the primary responding fire department; and

B. The first number in the location protection class is graded as I.S.O. fire protection class 1-8.

C. Protection Class 9/9 and 9/10 are not eligible for Suburban Protection.

                                                                                                       Suburban Protection

1st PC noted in Multiple Class    2nd PC noted in Multiple Class      (Location PC Assignment)

1-8                                           9-10                                         8A

If you have any questions, please do not hesitate to contact your Personal Lines Underwriter.