• Skip to primary navigation
  • Skip to main content
  • Skip to footer

The Wheeler Agency

Serving Lake City Since 1969

(386) 752-8660

  • Who We Are
    • What our customers are saying
    • Locations
    • Our Team
    • Pledge of Performance
    • Community Involvement
    • Privacy Policy
  • What We Do
    • Quote Calculator
    • Auto Insurance Check-Up
      • Smartphone Discount
      • Teen Drivers
      • Uninsured Motorist
      • FAQs
    • Homeowners Insurance
      • Fire Protection in Columbia County
      • Wind Mitigation
      • Sinkhole
      • Dwelling Basic
      • FAQs
    • Business Insurance
      • Commercial Auto Insurance
      • Workers Compensation
      • Hold Harmless Agreements
      • Certificates of Liability
      • NNN Investors
      • FAQs
    • Boats
    • Recreational Vehicles
    • Umbrella Liability
    • Flood Insurance
    • Builders Risk
    • End of Life
  • Claims
  • Partners
  • Local Stuff
  • Contact Us
  • Home

Insurance | Auto - Home - Business

Fire Protection in Columbia County

Homeowner insurance premiums are directly related to the distance between your house and the nearest fire station and/or hydrant.  The farther your home is from hydrants and stations, the higher your insurance premium.  Insurance companies, though, don’t always get these distances right.  For this reason, it is important to double check your distances and discuss with your agent.

  • Highest protected areas:  when your home is less than 1,000 feet to the nearest fire hydrant AND less than 5 miles to the nearest fire station, you should receive the lowest fire insurance rate available.
  • Rural fire protection:  when your home is farther than 1,000 feet to the nearest fire hydrant BUT less than 5 miles to the nearest fire station, your fire  insurance rate will be higher.  Insurance is available in rural areas but premiums are higher.
  • Unprotected areas:  when your home is farther than 1,000 feet to the nearest hydrant AND farther than 5 miles to the nearest fire station, the fire insurance rate is very high and there are few companies willing to insure  in these areas.  Unprotected does not mean the fire department will not come.  It simply means your home is farther than 5 miles to the nearest station.

You may use the Find My Fire Station Tool to estimate distance between your home and the nearest fire station and hydrant.

Footer

Local Stuff

Business Foundations for Churches

Skyrocketing Home Insurance Rates – Here is why

Honoring our founder

Rotary Readers 2021

Business Hours:

Monday - Friday: 8:30 - 12:00 & 1:00 - 5:00

The Wheeler Agency - 622 South West Main Blvd, Lake City FL, 32025-5708 | (386) 752-8660

Copyright The Wheeler Agency© 2023 · Site by iWebResults