INSURANCE SAVINGS CHART

 

Three Star Fire Department is Now an ISO Class 5

 

 

Here is a chart to demonstrate how your insurance cost are affected by a Fire Departments ISO Class. You can use this as an example to give you an idea of how the lower the ISO rate, the more money it will save you. This is not to be used as an exact, but as a reference. For exact amount saved, you should contact your local Fire Department to verify that you are in their coverage area and then notify your insurance agent. The ISO rate for the citizens inside the Three Star Fire Department response and protection area was an ISO Class 9, we have since lowered it to an ISO Class 5.

 

Fire Department Class Rate Versus Insurance Premium Costs

Rating

Annual Premium Cost based on Home Value

 

$100,000

$150,000

$200,000

$250,000

$300,000

$350,000

$400,000

$500,000

10

894

1358

1856

2341

2826

3311

3844

4918

9

806

1224

1674

2112

2549

2986

3468

4436

7

430

652

892

1125

1359

1592

1848

2365

6

399

607

829

1046

1262

1479

1717

2196

5

373

566

774

976

1179

1380

1603

2051

Home owner's rates do not decrease below 5.

 

We charge an annual dues/fee of $60.00 to cover expenses such as fuel and insurance. We are strictly volunteer and only receive a small amount of money from Tipton County. This annual dues/fee along with fundraisers, help us purchase equipment for the ever so growing fire service. Here is a list of the benefits you would receive if you were a dues paying member and Three Star had to make an emergency call to you or your family.

Type of Service

Fees for Members

Fees for Non Members

Annual Membership Fee

$60.00

 

 

 

 

Fire Call - Structural Firefighting involved (Includes copy of fire report) 

No Charge (See Note 1)

$500.00 - 1st Hour

$100.00 - per Hour each full/partial Hour thereafter

 

 

 

Miscellaneous Fire Calls(Brush/Rubbish/Car/Crops)

No Charge (See Note 1)

$100.00 per hour

 

 

 

Fire Alarms - False or System malfunction

No Charge (See Note 1)

$50.00 after 2 false calls in one year

 

 

 

Non-Commercial Hazardous Materials Incidents 

No Charge (See Note 1)

$100.00 per hour Plus lost/damaged Equipment costs

 

 

 

Commercial/ Hazardous materials incidents

Subject to case-by-case evaluation

 Subject to case-by-case evaluation

 

 

 

Other Rescue/EMS Calls

No Charge

No Charge

 

 

 

Standby services for Controlled burns

No Charge (See Note 2)

$50.00 per hour (Estimated hours of service - payable in advance)

 

 

 

Extra copies of State Fire Reports

No Charge

$10.00 per copy

 

 

 

Note 1:  Residents having paid their $60.00 annual fee will not be directly billed for this service.  Depending on conditions, the Fire Department may however submit bill for services directly to Insurance Company for reimbursement of costs/services. Members are encouraged to assist the Fire Department in this process.

Note 2:  State of Tennessee Division of Forestry restricts open burning from October 15th to May 15th of every year.  Permission to burn must be obtained in advance from the Chief, Three Star Fire Department or his representative.

 

 

This page last edited October 11, 2014