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Look for the Fire Hydrant When Buying a Home. It could Save You Money.

By
Real Estate Agent with Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC RB14037276

Look for the "Fire Hydrant" When Buying a Home.

It Could Save You Money.

When Buyers look for a new home, the one thing they don't look for, is the Local Fire Hydrant. I don't mean you have to have one in your yard, although that would be convenient, if there should be a fire, but your Buyer should be aware of it's location.

Painting by Larry Johnston

Acrylic Painting by Larry Johnston© 

When we purchased our home a few years ago, we found out that there were no fire hydrants in our neighborhood. Now that was not unusual, because we were just outside the city limits.  The local Fire Department was just over 2 miles away, which was another issue.  We just heard that there is going to be a new Fire Department built closer to us in the near future.

Now why does all this matter?  Well, it seems that when you purchase your home insurance, it generally changes your insurance rates for the better, if you have  a fire hydrant within a short distance from your home and the closer the Fire Department, the lower your rates could be.

Most subdivisions have hydrants scattered throughout the area for quick access.  The next time you buy a home, find out where the fire hydrants are located and check with your insurance agent to see how this affects your insurance payments.

  It might just lower your insurance.

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If you know anyone that would like to buy or sell a home in Elkhart County, have them call me:

Larry Johnston, 574-304-7577, Elkhart County Subdivision, Elkhart, Indiana,

or email larry@larry-johnston.com

Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

Excellent point... home buyers are always asking why is my insurance broker asking about the nearest fire hydrant or station.

Feb 15, 2014 09:13 PM
Larry Johnston
Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC - Elkhart, IN
Broker,Friends & Neighbors Real Estate, Elkhart,IN

Good morning Nina, There ae some things, when buying  home, that nobody thinks of, such as why the insurance prices are high.  Thanks for your comment.

Feb 15, 2014 09:16 PM
Noah Seidenberg
Coldwell Banker - Evanston, IL
Chicagoland and Suburbs (800) 858-7917

Larry, I hope no one experiences a fire but if you do its good to have water nearby. I see our local fire dept clearing snow to expose the hydrants.

Feb 15, 2014 10:31 PM
Larry Johnston
Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC - Elkhart, IN
Broker,Friends & Neighbors Real Estate, Elkhart,IN

Good morning Noah, You are right, they don't sit around a cook meals, they are out making sure they can get to those hydrants cleared out if they need them.

Feb 15, 2014 11:32 PM
Elizabeth Weintraub Sacramento Broker
Elizabeth Anne Weintraub, Broker - Sacramento, CA
Put 40 years of experience to work for you

I just adore your painting, Larry. I did not realize how talented you are outside of real estate! Are both of those dog's eyes the same size? Or is this one of those optical illusions in which the eye with the circle just looks bigger?

Feb 16, 2014 12:56 AM
Larry Johnston
Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC - Elkhart, IN
Broker,Friends & Neighbors Real Estate, Elkhart,IN

Hi Elizabeth, I should have put black around both eyes.  It is an optical illusion with all that white.  Thanks for the nice comment. I will have more paintings in future blogs. You may have missed some in oast blogs.

Feb 16, 2014 01:17 AM
Evelyn Johnston
Friends & Neighbors Real Estate - Elkhart, IN
The People You Know, Like and Trust!

Fire Hydrants close by do indeed change the coding for your home owners insurance. Ours will go down when the new one is operational.

Feb 16, 2014 07:29 AM
Larry Johnston
Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC - Elkhart, IN
Broker,Friends & Neighbors Real Estate, Elkhart,IN

Hi Ev, I am looking forward to them finishing the new fire station, so our home owners insurnce will go down.

Feb 16, 2014 11:08 AM
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

That is a question the insurance agent asks. And yes it can save money if you are close enough to it.

Feb 16, 2014 11:29 AM
Lynn B. Friedman CRS Atlanta, GA 404-617-6375
Atlanta Homes ODAT Realty - Love our Great City - Love our Clients! Buckhead - Midtown - Westside - Atlanta, GA
Concierge Service for Our Atlanta Sellers & Buyers

Dear Larry -
I am always fgascinated about how different each state's rules are when compared. When I aksed that question, the agent told me that certain areas are rated and those rates are for close-by fire hydrants. No extra discount for my Clients there ...
Have a happy day -
Lynn

PS  I like the dog's eyes just the way they are - no one - man or beast - has a perfect symetry of the face! L.

Feb 16, 2014 01:35 PM
Larry Johnston
Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC - Elkhart, IN
Broker,Friends & Neighbors Real Estate, Elkhart,IN

Good morning Debbie,  Thanks for your comment.

Feb 16, 2014 11:01 PM
Larry Johnston
Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC - Elkhart, IN
Broker,Friends & Neighbors Real Estate, Elkhart,IN

Good morning Lynn, Thank you for your nice comment.  Have a great week.

Feb 16, 2014 11:02 PM
Charles Stallions Real Estate Services
Charles Stallions Real Estate Services Inc - Gulf Breeze, FL
Buyers Agent 800-309-3414 Pace and Gulf Breeze,Fl.

So true Larry not sure it would boost the sale but surely a plus 

Feb 17, 2014 12:32 PM
Larry Johnston
Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC - Elkhart, IN
Broker,Friends & Neighbors Real Estate, Elkhart,IN

Good morning Joyce, Most Agents would not mention it as the Buyer is only looking at what his mortgage payment would be, not his insurance payments. If there was a hydrant close by, it would be worth mentioning.

Feb 17, 2014 09:56 PM
Anonymous
fire111

Sorry to tell you Larry, but most housing subdivisions outside town or city limits do NOT have fire hydrants. Fire hydrants in Elkhart are the responsibility of the water department. Not City fire. They are mostly shoveled out by firefighters for easier access. Fires under township department jurisdictions are served by tanker trucks.

Dec 29, 2015 01:26 PM
#15