Fire Hydrant Easement and Homeowner Discounts

Do you pay fire dues each year just because there's a fire hydrant on your property? Most homeowner insurance policies offer a discount if a fire hydrant is within 50 feet of your house. But is it really worth the 5-10 bucks? Or are you just being entitled and ridiculous?

Understanding Easements

It's important to understand that the presence of a fire hydrant near your property does not necessarily entitle you to a discount because it is on your land. In most jurisdictions, the property owner is required to maintain the easement and the surrounding area. This includes granting city employees access for firefighting, testing, and maintenance at all times. It's part of your contribution to society.

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Is the Hydrant Your Property?

The fire hydrant is not located on your property but within an easement owned by the municipality. This easement extends to the street curb, where water and sanitary sewer connections are made. You are responsible for the upkeep of the sidewalk, hydrant, grass, and shrubs.

Why Should You Pay for a Hydrant?

While you pay for your house with a mortgage and homeowner's insurance, the distance to the nearest fire hydrant can affect your insurance rates. In the event of a fire, having a hydrant nearby can help firefighters reach your home sooner. Are you really so entitled that you feel you shouldn't pay for a service that helps protect your home?

Who Provides the Discount?

Homeowner insurance companies do not provide discounts based on the presence of a fire hydrant on your property. Instead, the discount is given for the proximity of the hydrant to your house. This service is for everyone in the community, so the cost should be shared.

Additional Considerations

If you are under an HOA, check with them to see if they have any additional regulations. However, the primary responsibility for maintaining the easement and the hydrant lies with you.

Fork in the Road or a Clear Path?

While you might think having a fire hydrant on your property qualifies for a discount, the truth is that it adds a benefit to your community. The trucks, crew, and equipment are the same whether the hydrant is on your property or not. Why should you be paid extra for something the city provides for everyone?

Conclusion

The presence of a fire hydrant on your property is a convenience and a benefit, not a cost. You are part of a community that benefits from this infrastructure, and it’s your responsibility to maintain it. Don't be too entitled to think you deserve a discount just because there's a hydrant on your property. Grow up and pay your share.