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Homeowners Rates and ISO: A Proactive Initiative

Total Credits: 1 including 1 CE Credit

Average Rating:
Commercial Lines - Advanced |  Personal Lines
Rick Farmer
1 hr



Homeowners Rates and ISO:  The Oklahoma Initiative

Insurance CE:  One Credit


This is a 50 minute classroom course.


Course Description:

ISO fire protection ratings affect homeowners’ insurance premiums throughout the US.  The criteria for determining ISO scores changed in 2013.  Improving ISO scores requires a whole community effort.  It involves the fire department, 911 service, water district and civic education.  This course discusses how the scores are determined and the effect they have on homeowners’ rates.  It demonstrates a successful initiative that have saved homeowners in Oklahoma over $6,000,000 in premium.  Some individual homeowners are saving over $1,000 per year.  The course suggests ways insurance professionals can get involved to help reduce costs for their clients and their community. 


Course Materials


Rick Farmer Related seminars and products

Dr. Rick Farmer is an innovative and award winning teacher with many years of practical insurance experience.

Farmer grew up in Tahlequah, OK, where he graduated from Tahlequah High School andNortheastern State University.  Rick and his wife Marjean owned a small business and were active in the Tahlequah community until he decided to seek a PhD in Political Science at theUniversity of Oklahoma.

Rick earned tenure at the University of Akron in Ohio, where he was a fellow in the Ray C. Bliss Institute of Applied Politics.  He was an innovative classroom instructor, pioneering video conferencing and instant student feedback software.  He is the author of over 30 academic chapters and articles and the co-editor of four books.

In 2004 he returned to Oklahoma to work in state government. Over the next 10 years he served as—

While working fulltime in government, Rick continued to teach and write.  He served as president of the Oklahoma Political Science Association in 2008.  In 2009 he initiated an ethics conference with the State Legislative Leaders Foundation at the Zig Ziglar Center for Ethical Leadership.  Currently, he is chairman of the American Political Science Association’s Practical Politics Working Group.

Dr. Farmer’s unique blend of practical experience and academic training has been termed “Pracademic.”

He has appeared on CNNNBCMSNBCC-SPANBBC Radio and various local news outlets.  His comments are quoted in the Los Angeles TimesWall Street JournalChristian Science Monitor and numerous local newspapers.

For a complete resume or academic vitae visit


State Specific Details

State Approval Information Details


NJ - This course has been approved for 1 hr - Course#88897863

OR - This course has been approved for 1 hr - Course#1019926

GA - This course has been approved for 1 hr - Course#52282

NM -This course has been approved for 1 hr - Course#53702



Overall:      4.5

Total Reviews: 41


Lynn C

"Good job! "

Joan C - Edmond, Oklahoma

"Great info! I am married to a fireman and didn't know all of this."

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