IMPROVEMENTS AT KNOXVILLE.
The Tennessee Inspection Bureau has announced a reduction of twenty per cent, in fire insurance rates in Knoxville, Tcnn., and reductions of ten per cent, in Lonsdale and Park City. At the same time it was announced that term rates are changed. Heretofore three years insurance cost the price of two years, if contracted for in advance. Now the threeyear contract will be reckoned on the two and one-half year basis instead of two years. These rates apply to residences and mercantile buildings, but not to stocks. Neither will present contracts be affected. “Knoxville insurance rates now class with the best protected towns in the State,” said C. D. Beardsley, manager of the Knoxville branch of the Tennessee Inspection Bureau. “The city’s gradual improvement along the lines of fire protection entitles Knoxville to the benefits of these new rates. Heretofore Park City has enjoyed practicall the same rates as the city of Knoxville, but the reduction in the rate in the suburbs is just half as much as for the city. This is because there is but one fire station in Park City, and also because there is no alarm system in effect there, as in the city.” In the course of an editorial relative to the civil service which has been in force in the city’s fire and police departments for three years, and to the fact that an attempt to repeal the civil service chapter of the charter at the recent session of the legislature was met with popular opposition and was buried, the Knoxville “Journal and Tribune” said: “There is no question, in the opinion of any observant fair-minded man, but that this city now has the most efficient police and fire forces in the history of the city. And neither department has modern equipment either. * * * The same is true of the fire department. It owns one piece of auto apparatus. Savannah, a few years ago, motorized its entire fire department * * * Knoxville sticks to the old horse-drawn style—the outof-date, the expensive way. Help us get right. And yet, with old tools, Knoxville’s fire department makes a remarkable record each year, and no insurance company that we have heard of is threatening to abandon the field because of losses. Civil service means that a man holds his job just so long as he behaves himself, is efficient, does his full duty, and observes the rules laid down for him. It means security to him and his family. It means everything that is good, provided civil service is lived up to.”