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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.

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