Faith, Stewardship, & Insurance: Protecting Texas Churches
Helping church leaders, pastors, and administrators understand the basics of Texas Church insurance and how they can mitigate risk while maximizing the reach of their mission.
All Episodes
Should My Texas Church Bundle Insurance for Our Nonprofit Ministries?
Host Ron Wadley of Insurance for Texans discusses bundling insurance products for nonprofit ministries that are operated by Texas Churches. Wadley explains that many church general liability policies were written for limited church activities and may not cover expanded community programs. He notes that risks increase when outreach programs are separate 501(c)(3) entities because they are not covered by the church’s insurance policy. Wadley recommends creating a custom insurance bundle that coordinates property, general liability, commercial auto, and leadership protections while explicitly naming and covering both the church and its distinct nonprofit ministries. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:34 Why Churches Serve 01:00 Ministry Spaces Tour 01:36 Hidden Liability Gaps 02:39 Insurance New Normal 03:17 Separate Entity Risks 03:58 True Bundle Solution 04:24 Specialist vs Lazy Agent 05:01 Call to Action 05:36 Final Encouragement
Strategic Ways for Small Churches to Save on Insurance Premiums in Texas
Host Ron Wadley addresses Texas small church leaders facing steep insurance renewal increases. He explains that storm losses and rising costs have shaken Texas property and casualty insurance, prompting carriers to exit, raise rates, and tighten underwriting. This has left small congregations feeling abandoned. Wadley notes a shift in the 2026 market as new insurers enter Texas. They are selective and reward churches that document risk management. He also recommends strategic policy structures—such as higher wind and hail deductibles and tools like hail buy-down policies—to reduce premiums. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:35 Sticker Shock Story 01:47 Why Rates Spiked 02:27 New Market Opportunity 02:55 Prove Your Risk 03:29 Deductible Strategy 04:27 Choose Specialists 05:05 Call to Action 05:31 Closing Message
Cheap Texas Church Insurance Isn't Always Better
Host Ron Wadley of Insurance for Texans explains why Texas church finance committees should look beyond lower premiums and focus on total cost of risk. Using a story of Steven, a Fort Worth church leader tempted by a friend’s 15% insurance savings, the episode highlights questions about reduced limits, changed roof coverage, and hidden deductibles. Wadley notes the Texas church insurance market is shifting with some carriers reducing church property coverage or leaving the state all together. And there are newer companies who compete on price. He warns that cheaper policies may have hidden language that would lead to costly out of pocket expenses when you file a claim. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:41 Budget Pressure Story 01:43 Questions About Cheaper 02:26 Texas Market Shifts 03:24 Hidden Policy Traps 04:32 Total Cost Of Risk 04:43 Next Steps And Closing
How to Compare Church Insurance Policies in 2026
Host Ron Wadley of Insurance for Texans explains why comparing church insurance proposals in Texas for 2026 can paralyze finance committees. He illustrated this concept by using the story of Len, who is a church finance chair comparing three insurance quotes. Wadley notes the market now has more carrier options and competition, but policies may hide reduced protection in fine print. Quotes often differ because agents use different processes, carriers, and coverage forms, including admitted versus non-admitted surplus lines carriers. He highlights three common “gotchas” to check: roof coverage changes from replacement cost to actual cash value or roof sub-limits/schedules, third-party facility exclusions for weddings or community use (especially when fees are charged), and whether legal defense costs are inside or outside liability limits. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:28 The Renewal Dilemma 00:41 Len’s Quote Confusion 02:16 Why Quotes Don’t Match 03:39 Three Common Gotchas 03:51 Gotcha One Roof Limits 04:26 Gotcha Two Facility Exclusions 04:49 Gotcha Three Defense Costs 05:24 Choose an Advisor 05:33 Resources and Closing