Why Replacement Cost Coverage Is Critical for Your Fire Apparatus
- Mar 5
- 1 min read
Updated: 6 days ago
Nov 26, 2025
When it comes to protecting your fire department’s fleet, insuring your fire apparatus correctly is one of the most important financial decisions you can make.
Fire trucks and related emergency vehicles represent some of the most significant capital investments a department will ever make—often costing hundreds of thousands, and sometimes millions, of dollars each.
Yet many departments and cities unknowingly underinsure these critical assets by relying on purchase price coverage rather than replacement cost coverage.
Understanding the Difference
The purchase price of your apparatus is simply what you paid when you bought it—.....
