Columbia, MD Home InsuranceHome insurance in Columbia, MD
Columbia's fire department carries a split rating, so two houses on the same road can be priced differently. Here's how to tell which side you're on.
Fire protection class in Columbia
Insurers price partly on how well a property is protected from fire. The rating runs from 1 to 10 — 1 is a well-equipped, well-staffed department with good water supply, and 10 means the location gets no recognised protection at all. It is one of the few things that can move a premium without anything about the house changing.
| Class | Department | Applies to |
|---|---|---|
| Class 2/4/10 | Local fire department | Town-wide |
Columbia carries a split classification. The better class applies where a property is close enough to a hydrant and to the station; the worse class applies beyond it. Two houses on the same road can fall on opposite sides of that line and be priced differently for reasons neither owner can see. If you are not sure which side you are on, that is worth checking before you renew.
Source: on file with this office and not yet re-confirmed with the department. ISO does not publish these ratings.