1. Do a physical survey AND double check with your fire district. Not all fire hydrants are hooked up water and sometimes not even to the pipe with the right water flow.
2. Very few states (5) have their fire rating bureaus. You can call them since their core mission is to rate fire districts and commercial buildings.
Washington Surveying and Rating Bureau
WISH I SAW THIS SOONER. I WORK FOR ALLSTATE INSURANCE COMPANY. I'VE BEEN AN AGENT FOR 6YRS. INSURANCE PRODUCERS ASK THIS QUESTION OUT OF LAZINESS. AN EXPERIENCED AGENT WOULD KNOW THIS QUESTION. AN EXPERT AGENT WOULD ALSO KNOW YOUR ZIP CODE JUST BY STATING YOUR TOWN YOU LIVE IN. BEWARE OF PRODUCERS/AGENTS THAT CAN'T GIVE YOU ANSWERS OR QUESTION DUMB THINGS. THIS WILL MEAN YOU WILL BE TREATED LIKE THAT AS THEIR POLICY HOLDER BUT EVEN WORSE!
MOST COMPANIES WANT YOU TO HAVE A FIRE HYDRANT WITHIN 500-1000FT. THIS GETS YOU A CHEAPER PRICE BECAUSE A FIRE TRUCK IS ABLE TO PUT OUT A FIRE FASTER WHICH MEANS LESS OF YOUR HOME BEING A TOTAL LOSS WHICH IN RETURN LESS MONEY AN INSURANCE COMPANY WOULD HAVE TO PAY YOU IN A CLAIM.
MOST LIKELY IF YOU DON'T SEE A FIRE HYDRANTS JUST BY LOOKING BOTH WAYS DOWN THE STREET ON EACH SIDE OF YOUR HOME, YOU DON'T HAVE ONE. THIS MEANS YOU HAVE WELL WATER. IF YOU DON'T HAVE WELL WATER YOU DEFINATELY HAVE A FIRE HYDRANT WITHIN 500-1000 FT. THERE ARE COUNTY CODES THAT REGULATES THIS.
IF YOU HAVE WELL WATER MOST TOWNS PROVIDE TANKER TRUCKS. MAKE SURE TO TELL THE INS. CO. THIS IF APPLICABLE(IT WILL GET YOU A CHEAPER PRICE). THE INSURANCE COMPANY WILL ASK HOW MUCH WATER THIS TANKER TRUCK HOLDS. MOST INSURANCE COMPANIES DEMAND IT TO BE 10K-30K GALLONS. THIS WOULD BE A QUESTION FOR YOU TO CALL YOUR LOCAL FIRE DEPT ABOUT.
MY OFFICE IS LOCATED IN TURNERSVILLE NJ AND RARELY HAVE THIS PROBLEM BUT MY OFFICE IN FRANKLINVILLE NJ HAS THIS PROBLEM AND WE ACTUALLY HAD TO SIGN UP WITH A SPECIAL COMPANY THAT WILL TAKE HOMES WITH WELL WATER.