Business: Fire Department ISO Rating Can Help Families Save Money

The ISO rating of the Mount Juliet Fire Department has declined from 5 to 3. The department received a 5 when News4 spoke with it in November 2021.

Mount Juliet residents may be able to save money on their house insurance because of local fire department.

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“I found out only last week that we had improved from a five to a three,” said Fire Chief Jamie Luffman of the Mount Juliet Fire Department.

The rating provides an overall perspective of a city or municipality’s fire department’s capabilities. ISO stands for Insurance Services Office.

The fire department’s lower ISO rating of 3 may result in lower home insurance premiums for Mount Juliet residents.

According to insurance experts, this new rating might save homeowners up to 7% on their home insurance premiums.

Savings are good news for Mount Juliet residents.

“[Home insurance] is over $1500 per year in our circumstances.” So the goal is that it will be considerably below $100,” said Linn Yeager, a Mount Juliet resident. “If you consider yourself a conservative, you’re always searching for ways to save a little money,” he continued.

Yeager says the savings could mean more to some homeowners than others. “But if you’re living payday to payday, that makes a big difference,” Yeager said.

ISO ratings go from 1 to 10, 10 being the worst. And homeowner Yeager appreciates his fire department’s efforts. “Well, I’ve been in areas and lived in areas where the ISO rating was much higher, and it’s expensive. The insurance is expensive,” said Yeager. “I think this goes hand in hand with everything else that’s going on here in Mount Juliet with the fire department, the police department. They continue to grow; they continue to expand their expertise to provide the services needed by the citizens of Mount Juliet,” he added.

Mount Juliet Fire Chief said four things are considered for ISO rating: The fire department, dispatch, water supply, and community risk reduction programs. Fire chief Luffman said the partnership with city leaders and departments helped them achieve this improvement in rating.

“A lot of folks are involved. It starts with the elected officials and the city manager they have to be on board and support the efforts,” said Chief Luffman. “We’ve got great partners at west Wilson utility district. They work real close with us in providing an improvement on our water supply. The next is dispatch. When we get toned out, we’ve got to have dependable communications throughout the event,” he added. The chief also said MORE community risk reduction programs pushed ISO rating in the right direction.

“It’s everything from boys scout to girls scout visits here at the station to meetings with HOA and larger events in the city,” Chief Luffman said. “We always say the best fire is the one we never get to fight. And that’s true mostly for the homeowner. And if they can do some things from the knowledge they gain at these events to improve home fire safety, then all the better,” he added. News 4′a Tosin Fakile asked the chief if an ISO rating of 1 was the goal.

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