Are home insurance rates higher when your local firehall is volunteer?

The short answer is no.

When Ayr Farmers Mutual rates a building, we consider three grades of fire protection, which are not conditional on the firefighters being full-time or volunteer. Here are the three grades that Ayr Farmers Mutual uses to rate a building for fire protection:

GRADE 1: a building is within 1000 feet of an operational hydrant AND within 8 kilometers of a responding firehall, either full-time or volunteer.

GRADE 2: a building is within 16 kilometers of a responding firehall, either full-time or volunteer.

GRADE 3: a building is beyond 16 kilometers of a responding firehall.

If your building falls within the GRADE 2 classification, a discount may be available on the rate if the firehall is Superior Tanker Shuttle Service accredited by the Fire Underwriters Survey (FUS) or the Fire Protection Survey Services. Our underwriters are able to determine if your local firehall falls within this category.

If you have an insurance question that you would like to see answered, please email your question to info@ayrmutual.com. Your question may be featured in our next video.