Your insurer did not randomly choose the cost of your homeowners' insurance premium. The cost of your insurance depends on factors such as the value of your home and its susceptibility to fire. The Insurance Services Office measures fire risk with ten protection classifications. The classification of your home can affect your insurance premiums.
History
When most structures were made of wood, fire insurance was considerably more expensive for insurers than it is now. In the 20th century, insurers began exploring methods for assessing fire risks before writing policies. In 1904, the National Board of Fire Underwriters established an inspection and grading system to evaluate communities' fire-fighting and fire protection policies. Insurers used the same algorithms to assess the risk of insuring various homes. These older grade systems evolved into the current ten classes utilized by ISO.
Classes
If your home's ISO rating is 10, insurers know you live in a rural location with no fire-fighting service and no hydrants nearby. The number of fire stations, the quality of equipment available to firefighters, and the speed with which they respond to emergency calls determine a city's protection class. Your home's rating also depends on its proximity to fire hydrants.
Effects
Due to many other variables, there is no hard rule dictating how much your protection class influences your rates. States where windstorms can transform a fire into a federal disaster zone give fire a higher priority than Florida, where such blazes are uncommon. Changing from a Class 10 to a Class 5 can significantly impact your rates, assuming all other things remain constant. If you are already in Class 4, transferring to Class 1 would have significantly less impact.
Changes
If your protection class changes, it may be because your city's fire-fighting capabilities have increased. It is also possible that your initial agent made an error, such as underestimating the distance to the nearest fire hydrant. Your premium reflects the actual risk now that the error has been corrected. Some brokers intentionally misrepresent the protection class of homeowners to justify cheaper rates and generate more business. When the truth is revealed, the insurer increases premiums or cancels the coverage entirely.
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