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Underwriting Property

A guide to key risks in Washington state: fire, wildfire and earthquakes.


Help Center

Self-serve articles on how to use our products. Available 24/7. 

Commercial Property

Information on Loss Costs, policy rating and assessment tools 


InsuranceEDGE

Weekly newsletter covering the P&C industry, curated by our experts. 

Protection Classes

The evaluation process explained for everyone affected 


WSRB Blog

News on emerging risks as well as our latest products. 

Library

In-depth content on essential insurance topics.


Industry Toolkit

Links to help you work smarter and serve your customers.  

For Insurance Consumers

Learn what our work means for you

homeowners-renters-insurance-1

If you have a homeowners or renter’s insurance policy in Washington state, your insurance company may use WSRB data when setting the part of your premium that covers fire. Insurance companies are not required to use our Protection Class (PC) data, but many do. If your insurance company uses WSRB PCs, the data is one of several factors affecting your insurance premium.

Has your insurance company told you that your premium change is due to a PC change? We’re happy to answer any questions you have. Just call our customer service team at 206-217-0101 between 7:30 a.m. and 4 p.m., Monday through Friday.

To learn more about the PC evaluation process, read on.

WSRB evaluates each community in Washington state on a regular basis.

We look at how well-equipped the area is to respond to fires based on four key factors: 

Fire department

Including distribution of stations, staffing levels, equipment and personnel training. 

Water supply

Including water flow capacity, fire hydrant location and maintenance. 

Emergency communications system

Including dispatching system, staffing and training. 

Fire safety control

Including fire code and building code enforcement and public fire education programs. 

seattle residential community

At the end of each evaluation

We assign a community a PC from 1 to 10. A PC of 1 represents exemplary fire-defense capabilities; a PC of 10 indicates the community’s capabilities, if any, are insufficient to receive insurance rating credit.

From there, using the community PC as a base, we assign each individual property a PC, factoring in distance to a recognized responding fire station and to a standard fire hydrant.

There’s more information about PCs in our guide. Remember, if you have questions, just contact our customer service team at 206-217-0101 between 7:30 a.m. and 4 p.m., Monday through Friday. We’re here to help.