The Morris Township Fire Department has an ISO class 3 rating Rev. 9/8/94. It is important that your Insurance: Home-Owners Policy states that you are protected by the Morris Township Fire Department to take advantage of the more favorable rates provided by a Class 3 protected fire department. You may have a mailing address of Morris Plains, Morristown or Convent but you are a resident of Morris Township. It is important for your insurance company to know this.

What is ISO?
Insurance companies need reliable, up to date information about municipality's fire protection services to help establish appropriate fire insurance premiums for residential and commercial properties. Insurance Services Office, Inc. (ISO) provides insurance companies this information with its Public Protection Classifications.

ISO is an independent statistical, rating, and advisory organization the serves the property & casualty insurance industry. ISO collects information on a community's public fire protection and analyzes the data using its Fire Suppression Rating Schedule. ISO then assigns a public protection classification from 1 to 10. Class 1 represents the best public protection and Class 10 indicates no recognized protection.

"ISO is the Insurance Services Office, Inc. is the principle provider of insurance underwriting, rating and statistical information to the property / casualty insurance industry in the United States. One of the key information elements that insurer's use in the underwriting and rating process for property insurance policies is ISO's Public Protection Information, which quantifies a community's fire suppression resources. Information regarding the fire department, water supply, fire alarm system and boundaries are critical to insurers providing insurance coverage to the citizens of your community."