Property Insurance for Churches

Our property coverage is not just insurance; it’s a tailored solution crafted to address the unique challenges and responsibilities faced by religious organizations. Recognizing that churches are more than buildings, we offer a wide range of coverages that encompass both standard building elements and the distinctive property aspects of your ministry.

Coverage Details

• Newly Acquired or Constructed Property: With up to $2,000,000 coverage for new property acquisitions or constructions, your church can expand or renovate with confidence, knowing that the new assets are protected from day one, for a period of up to 180 days.
• Personal Property Protection On and Off Premises: We understand that the church’s mission extends beyond its walls. That’s why we offer $25,000 coverage for personal effects and property on your premises, including the minister’s belongings, ensuring that what’s valuable to your ministry is safeguarded. Additionally, for activities that take your mission abroad, like mission trips, we provide $2,500 coverage worldwide for personal effects and property of others.
• Valuable Papers and Records: Our coverage extends up to $50,000 for valuable papers and records, recognizing the importance of these documents to your church’s history, operations, and legacy. This coverage helps with the costs of researching and restoring lost or damaged documents, ensuring your church’s vital records are preserved.
• Electronic Data Protection: In an increasingly digital world, we offer $5,000 coverage to replace or restore electronic data, safeguarding your church’s digital footprint and operational continuity.
• Leasehold Interests: We provide $10,000 coverage for leasehold interests and related moving expenses, vital for churches that lease their property, ensuring financial support for transitions due to covered losses.
• Ordinance or Law Coverage: Understanding that compliance with building laws is essential yet can be financially burdensome, our policy includes up to $350,000 coverage for the undamaged portion of the building that may need demolition to comply with the law. Additionally, we offer the same amount for demolition costs and debris removal, along with $250,000 for increased construction costs, ensuring that your church remains compliant and operational without bearing the undue financial strain.
• Appurtenant Buildings and Property in the Open: Our policy extends up to $50,000 coverage for appurtenant structures and outdoor property. Whether it’s a detached fellowship hall, storage shed, or any structure that serves your church’s mission, we ensure these are protected just as comprehensively as your main worship space.
• Global Protection for Off-Premises Property: Recognizing the global nature of your church’s mission, we offer $50,000 coverage for property off-premises, including items in transit, ensuring that your church’s assets are safeguarded worldwide, supporting your mission wherever it leads.
• Landscaping and External Features: We understand the value of the aesthetic and environmental aspects of your church’s property. Therefore, we provide $25,000 coverage for trees, shrubs, plants, and lawns, with up to $2,500 coverage per item, ensuring that the beauty and tranquility of your church’s outdoor space are preserved.
• Appurtenant Buildings and Property in the Open: Our policy extends up to $50,000 coverage for appurtenant structures and outdoor property. Whether it’s a detached fellowship hall, storage shed, or any structure that serves your church’s mission, we ensure these are protected just as comprehensively as your main worship space.
• Global Protection for Off-Premises Property: Recognizing the global nature of your church’s mission, we offer $50,000 coverage for property off-premises, including items in transit, ensuring that your church’s assets are safeguarded worldwide, supporting your mission wherever it leads.
• Landscaping and External Features: We understand the value of the aesthetic and environmental aspects of your church’s property. Therefore, we provide $25,000 coverage for trees, shrubs, plants, and lawns, with up to $2,500 coverage per item, ensuring that the beauty and tranquility of your church’s outdoor space are preserved.

Comprehensive Indirect Loss Coverage

We offer $100,000 for indirect losses, a critical safety net covering various scenarios that could impact your church financially:

• Business Income and Rental Value: Ensuring continuity of income, even when unexpected events disrupt regular operations.
• Extra Expenses: Covering unforeseen costs that arise while maintaining your church’s activities post-incident.
• Tuition Fees: Safeguarding against losses in educational programs your church may offer.
• Emergency and Civil Authority Evacuations: Providing financial backing during emergencies necessitating evacuation or when civil authority mandates it.
• Alterations and New Buildings: Covering the unexpected costs associated with altering or constructing new buildings post-incident.
• Violent Incidents: Offering a financial cushion in the unfortunate event of violent incidents affecting your church.

Additional Specialized Coverages

• Outdoor Signs: $15,000 coverage to repair or replace signs, essential for guiding your congregation and visitors alike.
• Lock Repair or Replacement: With $10,000 coverage, we ensure that security breaches or malfunctions won’t compromise your church’s safety or disrupt its operations.
• Information Reward: A $15,000 reward coverage for information on arson, theft, or vandalism, underlining our commitment to aiding in the prevention and investigation of crimes against your church.
• Utilities and Environmental Protections: Covering the actual costs for fire department services, $25,000 for pollutant cleanup and removal, and addressing sewer, drain, or sump backups, we ensure that your church is equipped to handle a range of environmental and utility-related incidents.
• Debris Removal: In the aftermath of an event, clearing debris can be a significant burden. We include debris removal costs within the building limit, with an additional $25,000 available, ensuring that your church can swiftly recover and restore its sanctity and operations.

These expanded coverages are designed to ensure that every aspect of your church’s property and operations is shielded from unforeseen events, letting you focus on your spiritual mission with the confidence that your physical assets and financial stability are well-protected.

Comprehensive Coverage for Your Church’s Property

Our mission is to empower your church with the most comprehensive insurance protection available, ensuring that you can focus on your spiritual mission, secure in the knowledge that your physical and financial assets are safeguarded. Reach out to Terry Brown today to explore these additional coverage options and tailor a policy that reflects your church’s unique needs and values.