How Is The Fire Department and Home Owners's Insurance Related?

Real Estate Agent with Keller Williams Preferred Commercial (281-798-3005) 568713

As the year moves ahead home insurance is something that home owners need to have always.  Many home owners have reviewed their policies last year and will continue to do so throughout this year.  For some changes will be made and for others maybe not.  According to in the state of Texas the average homeowner pays $895 a year to insure their home.  That is a little higher than other parts of the United States, and it appears to be a significant part of Americans yearly budget.  One aspect that may be overlooked by many is what town class is your neighborhood classified as?  For many the thought never crossed their mind because your insurance agent didn't share that with you.  A neighborhood's town class is defined by how close the home is in proximity to fire hydrants, fire departments and what kind of technology (pieces of equipment) do the fire departments with regard to aiding them with their day to day task.  The fire department is responsible for registering its facility with the state board of insurance.  In many areas the fire department may not be doing their due diligence and homeowners suffer the consequences.  Once the information is received the state board of insurance can update their information and work to keep rates down.  The lower the town class rating, the lower that part of your policy will be.  Therefore, when insurance agents are working with homeowners they will have the most current and most beneficial town class rating available to homeowners.  If a homeowner goes from a town class rating of 5 to a rating of 10 that could mean a $250 increase and I know I could use my $250 for something else.  If you have any questions or concerns please contact me utilizing the information located below.


Chalmette Ray

Real Estate Consultant

Keller Williams Realty



Comments (6)

Katerina Gasset
Get It Done For Me Virtual Services - Wellington, FL
Get It Done For Me Virtual Services
Great article that provides information on how the fire department and home owner's insurance are related. Thank you for sharing this informative post Chalmette and stay the most consistent Houston, TX realtor.
Apr 27, 2013 09:32 PM
Erika Rogers
Red Rock Real Estate ~ Southern Utah's Largest Independent Brokerage - Saint George, UT
St George Utah Real Estate & Relocation Specialist
Great stuff that provides analogy on how the fire department and home owner's insurance are related. Thank you Chalmette.
May 22, 2013 11:56 PM
Petra Norris
Lakeland Real Estate Group, Inc. - Lakeland, FL
Realtor, Lakeland FL Homes for Sale
Hello Chalmette, thank you for sharing the importance of knowing  one's neighborhood's town class. Learned new things today on this post.
May 23, 2013 12:02 AM
Melissa Muse Wiggans
Real Estate Muses - San Antonio, TX
CRS, GRI, ABR - Real Estate Muses
Well written article Chalmette. Thank you for sharing and keep up the good work.
May 23, 2013 12:07 AM
Pat and Ed Okenica
DRAKE REALTY Lake Oconee Ga - Greensboro, GA
Lake Oconee Ga Real Estate
Informative article you have here Chalmette. Keep it up!
May 30, 2013 01:30 AM
Waynette Hoover Araj
Keller Williams Realty - Asheboro, NC
Connecting your Dreams with the Right Real Estate
Excellent post Chalmette. Thumbs up for sharing and may you have a prosperous 2013. 
Jun 13, 2013 08:25 PM