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Property

The Property coverage of the IB program provides "all risk" protection for perils such as fire, lightning, windstorm, rainstorm, explosion, collapse, smoke and theft. The IB program has a blanket limit to cover the building and its contents. Two benefits of the IB program are: there is no coinsurance penalty, and there is unintentional underinsurance coverage up to 25%. Within the Property coverage you can choose your deductible between $1,000 and $50,000 which allows you the opportunity to manage your insurance policy to suit your congregation’s needs.

The IB program has a broad range of Property coverage including optional earthquake and flood coverage for the churches that need it.

Property Coverage Includes *:

  • Buildings (replacement cost up to policy limits): Church, Parsonages, School, etc.
  • Contents: Contents including Pews, Furniture, Fixtures, Ceremonial Objects, etc.
  • Boiler & Machinery Equipment
  • Computers, Software, Disks, Office Equipment, Supplies, etc.
  • Business Personal Effects of Clergy, Officers and Others
  • Stained Glass, Organs, Pianos, and Musical Equipment
  • Valuable Documents and Records
  • Business Income and Accounts Receivable
  • Newly Acquired Property and Property in Transit
  • Ground Improvements: Fences, Signs, Trees, Shrubs, and Plants
  • Owned Watercraft
  • Debris Removal and Pollutant Clean-up


* Subject to coverage terms and policy limits.

Special Features of the IB Program:

  • Upgrade to Green Endorsement
  • Ordinance Protection (Demolition & Increased Cost of Construction)
  • Boiler & Machinery coverage automatically included


Optional Coverage for IB Participants:

  • Earthquake
  • Flood
  • Fine Arts
  • Miscellaneous Articles & Equipment
  • Alternate Deductibles
  • Loss of Tuition & Fees