Improved Fire Rating May Reduce Homeowner Premiums in Cleveland County

Homeowners in eastern Cleveland County could soon pay less for property insurance. The potential savings comes from the improvement of the Oklahoma community’s Public Protection Classification (PPC).

“This is a significant achievement for the Cedar County Fire Protection District,” said Oklahoma Insurance Commissioner John D. Doak. “Saving Oklahomans money is one reason we work with fire departments across the state to improve their ratings.”

The Insurance Services Office (ISO) reviews fire prevention and fire suppression capabilities of fire protection areas on a scale of one to 10. Class 1 generally represents the best fire protection. Class 10 indicates that the area’s fire-suppression program doesn’t meet ISO’s minimum criteria.

The Oklahoma Insurance Department works with communities and fire departments to improve their PPC. After helping Cedar County prepare for its review, the district improved from a Class 9 to a Class 6.

“Many of the residents in eastern Cleveland County do not have homeowners insurance because it is so expensive,” said Cedar Country Fire Protection District Chairman Daryl Covey. “The new rating could make insurance affordable for more people.”

Source: Oklahoma Insurance Department