Updated over 11 years ago on .
Citizens Insurance
I have Citizens Insurance dwelling policy on a triplex and I noticed a "PROTECTIVE DEVICE CREDIT".
Looking that up online there is a reference to it on how this credit is calculated:
PROTECTIVE DEVICE CREDIT:
Burglar = .03
Fire = .04
Sprinkler Class A = .04
Sprinkler Class B = .07
BASE PREMIUM( ) X [Burglar Factor( ) + Fire Factor( ) + Sprinkler Factor( )] =
The Burglar I assume is a central station burglar alarm.
The Fire is what? Does a hardwired smoke/heat/fire alarm system count towards that?
The Sprinkler has two different classes A & B, I assume this is fire sprinkler systems.
I have made an inquiry to my insurance agent to see if I qualify for the "Fire" credit, the insurance agent said the Fire credit relates to automatic fire sprinklers inside the house which I don't have, so I don't qualify. However, if "Fire" means automatic sprinklers, what are Sprinkler Class A & B? How is it different from "Fire"?