Posted by: Bonnie Phelps | September 1, 2018

Better Insurance Rates?

Wouldn’t that be wonderful?  Did you know Palomar’s ISO rating has gone down?

ISO stands for Insurance Service Office.  These ratings range from 1-10 as 1 being the best and 10 being the worst. As a volunteer fire department, Palomar Mountain held an ISO rating of 9 but with the implementation Cal Fire/ San Diego County Fire, Palomar Mtn new ISO rating is apparently closer to a 3.  For most insurance companies, this is significant and could possibly save you money on your insurance.

Some of you have had insurance for a long time and are pretty content with your rates.  In my opinion, you might just want to keep things as they are.

However some folks have had increases in their rates recently or have mentioned very high rates.  If you choose to contact your insurance company or shop around, be sure to mention the ISO rating had been reduced recently.  They may provide a form to be filled out with fire department questions.  The friendly crew at the fire department have been very helpful.

When new owners are heading this way, I always suggest they contact the company that provides insurance for their primary home, vehicles and business.  You can often have a savings if the same company insures all.  Some options for insurance are found at the Mountain Yellow Pages.   Any corrections or additions are always welcomed.

Hope to see you at the Potluck today!

Happy Labor Day Weekend to All!

Bonnie Phelps

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