Name:   Toni - Subject:   Insurance Date:   10/19/2016 2:25:46 PM

Different Insurance Companies use different methods to determine rates based on fire coverage.  Some companies (State Farm is one) use zip codes.  Some others use the ISO (Insurance Services Organization) rating of the local fire department.  For the last 3 years, our fire department has had an ISO "blanket" 4 rating. The higher the number, the worse the rating.  A 4 is very low!  This has meant a substantial savings in our Homeowners' Insurance.