Our property policy is designed to include Coverage Extensions that provide you with the additional assurance of a broad insurance program. Examples of covered real property include buildings, air cascade units for on premises use, exterior signs and permanently installed fixtures, machinery and equipment. Examples of covered contents include furniture, office equipment and base stations.


  • Automatic Guaranteed Replacement Coverage for Buildings/Real Property (no dollar limit).

  • Coverage provided for the perils of earthquake and flood with no sub-limit unlike standard programs.

  • Coverage for higher reconstruction costs resulting from the enforcement of local or state building codes (including the "Americans with Disabilities Act").

  • Full replacement cost with no dollar limit or deductible for personal effects of your employees or volunteers should they be stolen or damaged while at your station.

  • Replacement cost coverage for commandeered property (other than autos).

  • Loss of Income - Actual Loss Sustained.

  • Money and Securities.*

  • Computer Software* including loss caused by computer virus.

  • Deductible Waiver for covered losses under multiple VFIS policies.

* Up to extension limit stated on policy.

4140 Parklake Ave, Suite 520

Raleigh, NC 27612

Toll free: (800) 726-1228

Office:   (919) 755-1401

Fax:       (919) 755-1125


  • VFIS of NC

IMPORTANT NOTE: This Web site provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable. Coverage CANNOT be bound, amended, or altered by leaving a message on, or relying upon, information in this Website or through E-Mail.