Cosco Fire Protection Review

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Cosco Fire Protection is a full-service fire protection company with offices in six states. Cosco uses their 60 years of experience to provide the best in both fire suppression and detection systems. 
No, this isn’t fire protection from the wholesaler with the cheap hot dogs (that’s Costco!). This is Cosco Fire Protection, one of the industry leaders in fire suppression and life safety systems. They design, install, and maintain all their own devices, making them a full-service fire protection company.
Want to learn more about Cosco Fire Protection’s services and whether or not it's right for you? Then check out home and car insurance comparison app and broker Jerry’s comprehensive review of Cosco Fire Protection.

What type of business is Cosco Fire Protection?

Cosco Fire Protection is a company completely centered around protecting properties from fire damage. With over 60 years of experience, Cosco Fire Protection designs, installs, and repairs fire prevention systems that keep people and their properties safe.
Cosco is proudly affiliated with the National Fire Protection Association, the National Fire Sprinkler Association, and the National Electrical Contractors Association. Cosco Fire Protection has assisted industries like airlines, education, transportation, sporting centers, and many more.

What fire protection services does Cosco offer?

Cosco works to provide services in two main areas:
  • Fire suppression 
  • Fire alarms
Fire suppression includes sprinkler systems, dry-pipe systems, standpipe systems, fire pumps, and unground supplied suppression systems. 
Not only does Cosco make and install these fire protections systems—but they also maintain them, making sure your alarms and prevention systems are working and up-to-date.

What makes Cosco’s fire protection services unique? 

Here are a few ways Cosco fire protection stands out in the fire protection industry.

Top-to-bottom service

Cosco does it all, from designing and creating these systems, to installing them, to maintaining and repairing them throughout their lifespan. When you choose Cosco fire protection, you aren’t signing up for a single installation service—you are getting a long-term partner in fire protection. 

Experience

Cosco fire protection boasts over 60 years of experience in the fire protection industry. They have used these years of good service and protection to further perfect their trade. When choosing fire protection, it makes sense to turn to a long-standing expert. 

Locations

With multiple locations across California, plus additional locations in Washington, Oregon, Nevada, Colorado, and Louisiana, Cosco offers its stellar fire protective service across the nation. California residents have access to six possible locations in the state’s major cities.

The downside: No services for homeowners

While Cosco provides great fire protection services, there’s one glaring issue—they don’t support individual homeowners. That’s right—Cosco only serves businesses. So if you’re looking for protection for your home, you’ll, unfortunately, have to look elsewhere. However, business owners should consider choosing Cosco Fire Protection. 

How fire protection could save you money on home insurance

According to the National Fire Protection Association, fire departments responded to an astounding 1,3838,500 fires in 2020, which led to a total of $21.9 billion in property damage. On top of this, fire damage makes up around 25% of all homeowners insurance claims, making it the third most common claim in the United States.
Since fire damage is such a serious threat to your home, you’ll want a strong homeowners insurance policy that will keep you covered against fire damage. Thankfully, most insurance policies list fire as a named peril, meaning you’ll be able to claim fire damage.
Here are some coverages included with most homeowners insurance policies and how they can help protect you from fire:
  • Main dwelling coverage protects your actual house from damage
  • Personal property coverage will pay for replacing lost or damaged personal property after a fire
  • Additional living expenses coverage will cover hotel rooms, transportation, and other loss-of-use expenses if you’re displaced by a fire 
  • Liability coverage can help cover your legal costs if you’re at fault for causing the fire
That said, homeowners insurance isn’t cheap—the average homeowners insurance policy costs $1,393.
Insurance companies partially decide your rates based on how at-risk your home is. In fact, something as simple as your distance to the nearest fire station can have a big impact on your insurance rates. 
One way to lower your insurance costs is to lessen the chance you’ll need to make a homeowners insurance claim—like by installing a fire protection system to lower your fire risk. A few options that will lower your fire risk while lowering your premiums include:
  • Installing fire alarms that directly contact the fire department, which shortens response time in case of an emergency
  • Installing a sprinkler system to combat fire damage within the home
  • Build your house with fire-resistant materials
  • Have your home stocked with smoke detectors and fire extinguishers 
Not every insurance company offers the same discounts, so do your research to make sure you’ve chosen the best insurance policy for your needs. In fact, why not use insurance broker Jerry to help you collect quotes and find the perfect insurance policy for your needs? 

How to save money on homeowners insurance

Installing fire protection can get you big discounts and savings on your insurance bill. Another great way to save is to go quote shopping with insurance broker Jerry.
Jerry is a licensed insurance broker that does all the hard work of insurance shopping for you! All you need to do is download the app and go through a fast, free sign-up process to receive a long list of competitive quotes from a variety of top providers. Once you’ve found the policy that fits your needs, Jerry will even help you with all your sign-up, switchover, and cancellation paperwork.  
If you want to save even more money, let Jerry find you a new, cheaper car insurance policy as well!
Jerry was wonderful! I used it for my auto and renters policies. I trusted it so much that I signed up my homeowners insurance under Jerry as well. All of the agents are amazingly nice and knowledgeable.” —Mary Y.
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