Are Insurance Rates Higher if Your Local Firehall is Volunteer?

Posted on Monday, January 22, 2018

Are Insurance Rates Higher if Your Local Firehall is Volunteer?

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.

BLOG POSTS

Ayr Digs Downtown Giveaway

Monday, July 16, 2018

DO YOU DIG DOWNTOWN AYR? We sure do... Enter the #AYRdigsDOWNTOWN Giveaway! We're giving away 4 gift certificates to some of our business partners that are affected by the road work in downtown Ayr! Keep up to ... Read more

Insurance for Buildings Under Construction or Renovation

Monday, April 9, 2018

The thought of building something new is exciting. You’ve saved for a long time to build your dream kitchen, to expand your home with an addition or to build a new barn, workshop or garage. Most people consider ... Read more

Refund of Premium 2018

Friday, January 26, 2018

Within the company by-laws the Board of Directors at Ayr Farmers Mutual is granted the ability to declare a refund from premiums to participating Policyholders. Such a consideration is based on the company’s ... Read more