10224 - 10th Street
Dawson Creek, BC V1G 3T4

Insurance Premiums and Rural Homes outside of the Fire Protection Zone

August 4th 2021




Insurance Premiums and Rural Homes outside of the Fire Protection Zone,

RE/MAX agent Nyla LePine sells real estate for rural and residential properties as well as ranches and farms in the Dawson Creek area. With a lifetime connection in the Peace Country, Nyla knows all about rural life and the challenges it sometimes presents. A question that many house hunters don't consider is whether or not their potential new home is in a fire protection zone. The answer affects insurance premiums. Let's take a surface overview look at the fire protection zone and insurance premiums.

What is the Dawson Creek Fire Protection Zone?

The Dawson Creek Fire Department provides firefighting and rescue services to the City of Dawson Creek, Dawson Creek Airport and within a five-mile rural fire protection area around the City. Areas served by the city fire department are determined to be Protected, Semi-Protected, or Unprotected.

Protected

Protected dwellings are located in town limits within 500 metres of a fire hydrant.

Semi-Protected

Semi-Protected dwellings are located within the five-mile boundary of town limits.

Unprotected

Dwellings in Unprotected areas will not be served by the Dawson Creek Fire Department, but they may receive assistance from municipal and/or rural fire departments.

Within the Peace River Regional District most, but not all, property owners are fortunate to have fire protection services from city, municipal, and/or rural fire departments in the region. Volunteer-run fire departments may not be recognized by your insurance provider, though, so it is worth investigating prior to finalizing your home purchase. If you are concerned about fire protection and insurance rates and want to live in the rural area, you will want to keep your property search within the Dawson Creek fire protection area.

Fire insurance classifications are made by using dwelling protection grades. By using these grades, Canadian insurers calculate insurance rates/premiums that they feel are appropriate. Properties are graded from 1 through 4 with different criteria in place for each. Grade 1 is the highest possible grading while Grade 4 indicates a dwelling has little to no recognized public fire protection.

Grade 1

• Public Water Supply
• Fire Department
◦ With a minimum number/type of firefighting apparatus
◦ With a minimum number of three career firefighters serving the department 24/hrs/day 365 days per year as well as a fire chief available to respond but not required to be on duty at all times.
• Located Within Fire Protection Service Area
• Emergency Communications

Grade 2

• Public Water Supply
• Fire Department
◦ With a minimum number/type of firefighting apparatus
◦ With a minimum number of one career firefighter serving the department 24/hrs/day 365 days per year as well as a fire chief available to respond but not required to be on duty at all times. 15 auxiliary firefighters must also be scheduled to respond as needed.
• Located Within Fire Protection Service Area
• Emergency Communications

Grade 3A

• Public Water Supply
• Fire Department
◦ With a minimum number/type of firefighting apparatus
◦ With a fire chief available to respond but not required to be on duty at all times as well as 15 auxiliary firefighters scheduled to respond as needed.
• Located Within Fire Protection Service Area
• Emergency Communications

Grade 3B

• Alternative Water Supply
• Fire Department
◦ With a minimum number/type of firefighting apparatus
◦ With a fire chief available to respond but not required to be on duty at all times as well as 15 auxiliary firefighters scheduled to respond as needed.
• Located Within Fire Protection Service Area
• Emergency Communications

Grade 4

Grade 4 dwelling protection is used for communities that contract their fire protection services from a fire service agency with a Grade 3B protection grade.

Navigating rural home and property ownership and making sure your home and contents are protected in case of a fire is important and Nyla es here to help. If you have questions about acquiring insurance prior to purchasing, she can help answer your questions or steer you in the direction of someone who can. Give her a call today.

For Nyla’s current home and property listings, visit Nyla’s Listings.


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