How The Proximity Of Your Local Fire Station Affects Home Insurance Rates

There are a lot of different factors that will affect the amount of money you pay for your home insurance, and you might not even realize what all these factors are. One that you might not know about involves the proximity of the local fire station to your home. This can play a role in the amount you pay, and here are a few things you should know about this factor.

Why the location of the fire station matters

The company that provides your home insurance will want to know how far away the nearest fire station is because it helps them understand your risk level when it comes to a fire. If your house caught on fire, the location of the fire station will determine how long it will take for the firemen to arrive at your home. The speed at which the fire department can arrive will often play a role in the amount of damage a fire can do to a house.

Typically, an insurance company will charge a higher rate for home insurance if the house is located farther than five miles from a fire station.

Other fire-related factors that may affect your rates

The distance from your home to the nearest fire station is not the only factor that the insurance company may consider though. They may also consider the type of fire station in your area. If you live in an area that is serviced by professional fire fighters, you may pay a lower rate than if you live in an area serviced by volunteer fire fighters.

The other factor that may play a role in your costs is the location of the nearest fire hydrant. Some insurance companies offer discounts on home insurance for homeowners that have a fire hydrant within 1,000 feet.

In addition, you might also be charged a higher rate for your home insurance if you live in an area that is considered a high-risk area for fires. For example, if you live by a huge wooded area, this area could be considered a high-risk area. This is primarily because fires that start in wooded areas are harder to put out than other types of fires.

If your town recently built a fire station that is closer to your home, or if the town installed a new fire hydrant system, you may want to call your home insurance company or East Tennessee Mutual Insurance to find out if you might qualify for discounts on your home insurance policy.