The Basis For Your Home Owners Fire Insurance Cost: Insurance Service Office Rating Process

Have you ever wondered what is the prime factor is determining the cost of your home owner's insurance cost? Within the state of Illinois, an insurance organization audits fire protection services for areas and the outcome of the audits are used to assign premium rates. The Insurance Service Office (ISO) Commercial Risk Services, Inc. regularly performs town grading surveys in all communities and areas which have public fire protection. The fire suppression rating schedule (FSRS) is utilized by the ISO/CRS, Inc. in the grading survey process.

The Fire Suppression Rating Schedule (FSRS) is adop...