What Is Protection Class For Homeowners Insurance? 
Standardized Protection Classes are determined by the Insurance Services Organization -LRB- ISO -RRB- . They regularly survey local Fire Companiesand determine these Protection classes based upon a company 's equipment and response time as well as the proximity of fire hydrants within each neighborhood . Insurance companies use this information , in addition to other factors , in order to adjust their base rates to determine the amount of premium that needs to be charged to most accurately reflect the particular risk . Generally speaking , Protection classes run between PC 1 and PC 10 and the lower the number of the protection class the lower the premium . All Insurance companies should be using the same Protection Class ratings , but in practice I have found that this is not always the case . Be sure to check with yor insurance professional to make sure that your home is properly rated t avoid any problems down the line . 