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Posted on: October 11, 2021

Edmond Residents Could See Reduced Insurance Rates

Edmond residents may be able to save money on their property insurance after the Edmond Fire Department recently improved its fire protection rating. The change is due to the diligent efforts of the Edmond Fire Department, Edmond Water Resources and Public Safety Communications.

After a lengthy weighted evaluation process, the Edmond Fire Department received a Public Protection Classification (PPC) rating of Class 1 – the highest rating possible – from the Insurance Service Office (ISO). The ISO reviews and rates fire prevention and fire suppression capabilities of local fire departments on a scale of 1 to 10. Class 1 generally represents the best fire protection.

The new rating begins Nov. 1, 2021 and is in effect for five years. Many insurance companies use these classifications to evaluate risk in insuring a property serviced by the rated fire department.

The PPC Class 1 rating covers areas within five road miles of a fire station and 1,000 feet from a fire hydrant. Areas within five road miles of a fire station but not within 1000 feet of a fire hydrant will have a PPC Class 2 rating. All other areas outside the parameters of Class 1 or Class 2 receive a PPC Class 10 rating. 

Across the country, 45,521 fire districts are evaluated and fewer than 400 earn the Class 1 designation, meaning Edmond is among the fewer than 1 percent of cities nationwide to earn the Class 1 rating.

To find out how the new ratings might impact your insurance rates, please contact your provider. Residents with insurance questions can also contact the Oklahoma Insurance Department at 405-521-2828.

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