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Faithful Stewardship Knows that Church Insurance is Changing in 2026

Posted by Ron Wadley on Mar 23, 2026 10:44:43 AM
Ron Wadley

It’s a Tuesday morning in Waco. The sun is streaming through the stained glass of the fellowship hall, casting vibrant patterns across the floor. Paul is a dedicated church elder. He sits alone in the quiet. He’s a man who takes the word stewardship to heart.

Usually, that means balancing the mission with the monthly tithes. But today, stewardship looks like a thick, dusty binder: the church’s insurance portfolio.

For ten years, Paul’s church has been with the same household-name insurance carrier. Every year, the policy renews. Every year, the language stays dense, the terms stay blurry, and—most notably—the premium climbs higher.

Paul is asking the same question many Texas church leaders are asking in 2026: What has changed?

The landscape of Texas Church Insurance has shifted. Relying on a standard commercial insurance package is not the right thing for most Texas Churches.

Week 25 Podcast Episodes

Is A General Liability Policy Enough Coverage for a Texas Church?
  6 min
Is A General Liability Policy Enough Coverage for a Texas Church?
Faith, Stewardship, & Insurance: Protecting Texas Churches
Play
What Makes Cheap Texas Church Insurance Not So Cheap?
  6 min
What Makes Cheap Texas Church Insurance Not So Cheap?
Faith, Stewardship, & Insurance: Protecting Texas Churches
Play
Is There Any Bad News About Texas Church Insurance for 2026?
  7 min
Is There Any Bad News About Texas Church Insurance for 2026?
Faith, Stewardship, & Insurance: Protecting Texas Churches
Play
Has The Cost of Texas Church Insurance Improved in 2026?
  7 min
Has The Cost of Texas Church Insurance Improved in 2026?
Faith, Stewardship, & Insurance: Protecting Texas Churches
Play
Do Churches in Texas Have a Legal Obligation to Carry Liability Insurance?
  6 min
Do Churches in Texas Have a Legal Obligation to Carry Liability Insurance?
Faith, Stewardship, & Insurance: Protecting Texas Churches
Play

 

Faith, Stewardship, and the Promise of Certainty

In the twenty fifth week of Faith, Stewardship, and Insurance, we are looking at some of the changes that are happening with Texas church insurance in 2026. Much of it is good news, but it is also really important to know that there is some bad news too. It is becoming much easier to find cheap policies that may not cover your church when it counts.

With the right preparation and the right partner, your church can stand strong through financial storms, leadership challenges, and the unexpected costs that come with real ministry.

That’s what True Texas Church Insurance was built for. We give Texas churches clarity, confidence, and peace of mind rooted in stewardship and truth.

Click the button below to find out how to cover your church.

Click To Cover Your Church!

 

Resources

Listen to other episodes of Faith, Stewardship & Insurance: Protecting Texas Churches.

Click on the image below to go to our podcast homepage.

Faith, Stewardship and Insurance: Protecting Texas Churches

 

Get Your Copy of The Promise of Certainty
Learn how to lead with confidence in every area of risk and protection.

Click the image below to get your copy.

The Promise of Certainty

 

 

Topics: Church Insurance, Church Podcast

Ron Wadley
About the Author

Ron Wadley

Ron is the principal agent at Insurance For Texans and has more than 20 years in the insurance business. This experience allows him to find creative solutions to your insurance problems. "Uncle Ron" started Insurance For Texans, an independent insurance agency located in Dallas-Fort Worth, in 2017 after seeing a need to provide many different kinds of solutions to the everyday problems that folks have. After having an agency that could only offer a single solution for insurance for a few years, he came to the conclusion that it was time to make a change for the betterment of all Texans. And Insurance For Texans was born out of a vision to put the customer first ahead of a big insurance company.