ISO Rating

Auburn is now one of only 7, ISO Class 1 Departments in New York State and one of 271 Departments in the Nation.

The City of Auburn Fire Department currently has an ISO Class 1 rating. This rating often assists in determining a homeowner’s or business’s cost on fire insurance premiums. The Auburn Fire Department is in the top 1% of the 2,273 New York fire department’s graded by ISO. Be sure your insurance company is aware that your fire department has a Class 1 rating. For more information scroll down to see what other information the ISO Public Protection Classification (PPC) may be used for.

Distribution of Communities by PPC Class

How does PPC™ Information Affect Individual Insurance Policies?

ISO’s PPC™ information plays an important part in the decisions insurers make affecting the availability and price of property insurance. In fact, virtually all U.S. insurance companies — including the largest ones — use PPC information in one or more of the following ways:

• to identify opportunities for writing new business
• to achieve a reasonable concentration of property risks
• to review loss experience in various rating territories
• to offer coverage and establish deductibles for individual homes and businesses

Insurance companies — not ISO — establish the premiums they charge to policyholders. The methodology a company uses to calculate premiums for property insurance may depend on the company's fire-loss experience, underwriting guidelines, and marketing strategy.

Here are some general guidelines to help you understand the benefits of improved PPC ratings for residents and businesses:

• PPC may affect availability and/or pricing for a variety of personal and commercial insurance coverage, including homeowners, mobile home, fine-arts floaters, and commercial property (including business interruption).
• Assuming all other factors are equal, the price of property insurance in a community with a good PPC is lower than in a community with a poor PPC.