What is a Protection Class?

If you look on your homeowners, landlord, or mobile home policy declarations page, somewhere you will find the Protection Class (PC). So what does this mean and how does this affect your insurance rate?

Protection Class

Simply put, your Protection Class is a rating from 1 to 10 that represents municipal fire-protection efforts in communities throughout the United States. Lower numbers generally reflect superior fire protection.

“By classifying communities’ ability to suppress fires, ISO helps the communities evaluate their public fire-protection services. The program provides an objective, countrywide standard that helps fire departments in planning and budgeting for facilities, equipment, and training. And by securing lower fire insurance premiums for communities with better public protection, the PPC program provides incentives and rewards for communities that choose to improve their firefighting services.”

Source: www.isomitigation.com/ppc

Affects On Insurance

A general way to think of Protection Class is “in town or out of town.” Do you have fire hydrants on your street ? Is your responding fire department within five miles?

These two questions are very important in determining your protection class. Most insurance carriers will automatically find your Protection Class when validating the property address.

For example, our office is located on 13 Radford St, Christiansburg, VA 24073. We are in Christiansburg town limits. Our properties’ protection class is 5. Most in town locations in Christiansburg are a class 5, but again this is dependent on your specific address.

Protection Class is one of many factors that goes into your insurance premium. That’s why it’s important to work with an Independent Agent who represents multiple carriers to help compares rates and available coverages.

It’s important to note that some insurance carries do not offer products in higher protection classes. For example, a owner occupied homeowners policy with a protection class of 10 is not eligible with every homeowners carrier in Virginia.

https://twitter.com/DoveInsurance/status/1312045298030698498

Serving the Commonwealth of Virginia For Over 50 Years!

Working with Our Independent Agents constitutes a promise, from our family to yours. We are here to educate you on how to keep covered and secured, no matter what the future may hold.

Our family of Independent Agents will find the best package for your needs. We represent multiple insurance providers and we work for you!

No Matter Where You Live In Virginia!

3 Safe Driving Tips for Teens

As a teenager, getting your drivers’ license is the ultimate badge of honor. Being a safe driver comes with experience but it is also something that is taught. Parents who live in Blacksburg, VA can rely on the agents of Dove Insurance Agency to provide sound advice for their young drivers. The following tips will allow parents to set good examples while they are on the road.

Eliminate Distractions

Eliminating distractions may be easier said than done. You can start by limiting the number of passengers in the vehicle to one. Encourage your teen to set the radio to the station they want prior to leaving and only change the setting when they are stopped. The same is true for using a GPS or other electronic device.

Keep Cell Phones Out of Reach

Cell phones are the ultimate distraction but they can also be useful. If your teen is using their phone as a GPS, encourage them to enable their route before they leave. Putting their phone in a secure holder will allow them to see the screen without touching the phone. Remind them not to text or place phone calls while they are on the road.

Always Leave Early

As teenagers continue to gain experience, they become better drivers. Teaching them to leave early allows them to take their time. Rushing leads to mistakes and mistakes lead to accidents. Leave early and always be cautious.

Our Family of Independent Agents help parents find answers to many of the questions they have about their auto insurance. They can also learn ways to help their teens become safer drivers.

No Matter Where You Live In Virginia!

We have been extremely fortunate to work throughout Virginia to build lasting partnerships with our clients.

  • Are you in the market for personal insurance like Home or Auto?
  • Looking to protect your Small Business with the right amount of insurance coverage?
  • Have questions about Life Insurance and don’t know where to start?
  • Is your family growing and you need to be prepared for what’s ahead?
  • Do you have rental property that needs proper protection?

Get your insurance questions answered by experienced, local agents. No call centers. No random employees. Simple one-on-one discussions.

Dove Insurance Agency is also a Dave Ramsey Endorsed Local Provider (ELP).