What Is Protection Class For Homeowners Insurance? 
Protection class is determined by an independent organization called the Insurance Services Organization -LRB- ISO -RRB- . ISO will classify the from PC 1-10 based on the distance to a fire department and fire hydrant among other things . On Long Island , NY most homes are considered protection class 4 meaning they are within 5 miles of a Fire Department and within 1000 ft of a fire hydrant . Some homes in the hamptons are Protection class 9 . This means that they may be within 5 miles of a fire department but they do not have a hydrant within 1000 ft. Many companies will either surcharge the risk or not write it at all . Having said that , if the fire department has trucks that can pump from an existing body of water , at a certain rate per hour , or can hold a certain amount of water they can be eligible for the Protection class 4 rates . Hope this helps ! 