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Yes you were

Simply having a hydrant on your street doesn't create lower insurance rates. IT HELPS FOR SURE...however, you are serviced by volunteer fire departments. Rocky Point doesn't have ANY of those departments CLOSE by. Insurance rates when it comes to Fire ratings are based on a BUNCH of different things....age of fire equipment and their capacities, etc. Response times are measured on how long it takes for the department to respond to a call at the furthest location of their response area. The faster the response, the better your rating could be. Just because you are in between three departments, you are in only ONE of the departments response areas. The others won't respond unless dispatched by an officer on scene via Mutual Aid. Your rates went up because our ELECTED OFFICIALS allowed an adjustment for HOI....to plan for a "Katrina" type event....which is bull crap. My insurance went up 30 percent...

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