What Is Protection Class For Homeowners Insurance? 
The Insurance Services Office is an independent organization that sets the protection class for most properties in the United States . Most companies subscribe to this service and issue policies based upon their classification . This information is not always current but getting it updated can be a slow process . For example , often fire districts merge and the service to a location might have previously been 15 minutes and is now 2 minutes . Getting that noted is difficult . 