Article: Fire department service charges

Homeowners and farmowners policies cover expense of fire department response in rural areas

Holders of homeowners policies who live outside the boundaries of a fire protection district, and farm property owners in rural areas who carry farmowners policies have a valuable asset in the fire department service charge clause included in their property insurance. The provisions of the benefit are spelled out under "additional coverages" or "incidental coverages" in Section I.

Urban residents who support a fire department by taxation have a right to expect that their department will be paid for outlying runs. The use of firefighters and equipment is costly, and the protection of the taxpayers ...

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