INSURANCE SAVINGS CHART
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 6.
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Fire Department Class Rate Versus Insurance Premium Costs |
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Rating |
Annual Premium Cost based on Home Value |
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$100,000 |
$150,000 |
$200,000 |
$250,000 |
$300,000 |
$350,000 |
$400,000 |
$500,000 |
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10 |
894 |
1358 |
1856 |
2341 |
2826 |
3311 |
3844 |
4918 |
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9 |
806 |
1224 |
1674 |
2112 |
2549 |
2986 |
3468 |
4436 |
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7 |
430 |
652 |
892 |
1125 |
1359 |
1592 |
1848 |
2365 |
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6 |
399 |
607 |
829 |
1046 |
1262 |
1479 |
1717 |
2196 |
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5 |
373 |
566 |
774 |
976 |
1179 |
1380 |
1603 |
2051 |
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Home owner's rates do not decrease below 5. |
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We charge an annual dues/fee of $48.00 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.
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Type of Service |
Fees for Members |
Fees for Non-Members |
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Annual Membership Fee |
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$48.00 |
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Fire Call - Structural |
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No Charge |
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$500.00 - 1st Hour |
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Firefighting involved |
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(See Note 1) |
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$100.00 - per Hour |
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(Includes copy of fire report) |
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each full/partial |
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Hour thereafter |
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Miscellaneous Fire Calls |
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No Charge |
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$100.00 per hour |
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(Brush/Rubbish/Car/Crops) |
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(See Note 1) |
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Fire Alarms - False or |
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No Charge |
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$50.00 after 2 false |
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System malfunction |
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(See Note 1) |
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calls in one year |
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Non-Commercial |
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No Charge |
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$100.00 per hour |
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Hazardous Materials Incidents |
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(See Note 1) |
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Plus lost/damaged |
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Equipment costs |
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Commercial |
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Subject to case-by-case evaluation |
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Hazardous materials incidents |
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Other Rescue/EMS Calls |
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No Charge |
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No Charge |
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Standby services for |
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No Charge |
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$50.00 per hour |
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Controlled burns |
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(See Note 2) |
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(Estimated hours of |
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service - payable in |
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advance) |
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Copies of State Fire Reports |
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No Charge |
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$10.00 per copy |
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Note 1: Residents having paid their $48.00 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. |
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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. |
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This page last edited July 1, 2006