Insurance For Texans Blog

All the Insurance Topics a Texan Could Want

    Faithful Stewardship Means Knowing About Extra Insurance Coverages

    Posted by Ron Wadley on Feb 27, 2026 11:13:21 AM
    Ron Wadley

    If you’ve lived in Texas for more than a few months, you know the sound. It starts with the sirens, followed by that low rumble of wind, and then the deafening crack of thunder and lightning followed by the sound of hail hitting the roof. In many of our small West Texas towns, the local church isn't just a place of worship. It’s the designated safety shelter when the high plains decide to unleash a spring monster.

    But what happens when the shelter itself gets beat up?

    Our friend JT, a church administrator in Lubbock, recently lived through this nightmare. A vicious storm tore through the Panhandle. While the congregation was safe, the church’s roof wasn't so lucky. Damage to the roof caused water to pour into the sanctuary. This turned the storm from just a simple property damage claim into a full-blown emergency. The problem wasn’t just a leaky ceiling. As the water poured in, it wrecked the church’s sound system and high-end equipment.

    As JT stood in a damp sanctuary, he was haunted by one urgent, stressful question. Is any of this actually covered by our church insurance policy?

    Watching JT navigate the maze of claims and policy language made one thing crystal clear. Understanding the specific extra coverages in your policy is the difference between a minor setback and a catastrophic loss. Faithful stewardship isn't just about paying a monthly insurance premium. It’s about knowing exactly what that premium buys for your church before the clouds turn gray.

    This week, episodes 101 through 105 of the podcast look at what extra coverages a Texas church might need. We’re moving beyond the basics of covering buildings to looking at the specialized coverages that protect your technology, your people, and your ability to keep the doors open when disaster strikes.

    Week 22 Podcast Episodes

    Is Your Church's Audio Equipment Really Covered By Your Insurance Policy?
      6 min
    Is Your Church's Audio Equipment Really Covered By Your Insurance Policy?
    Faith, Stewardship, & Insurance: Protecting Texas Churches
    Play
    Will Our Texas Church Insurance Policy Automatically Include the Parsonage?
      6 min
    Will Our Texas Church Insurance Policy Automatically Include the Parsonage?
    Faith, Stewardship, & Insurance: Protecting Texas Churches
    Play
    Why Weren't Our Stained Glass Windows Fully Replaced by Our Church Insurance?
      6 min
    Why Weren't Our Stained Glass Windows Fully Replaced by Our Church Insurance?
    Faith, Stewardship, & Insurance: Protecting Texas Churches
    Play
    What Do Texas Church Leaders Need to Know About Worker's Compensation?
      6 min
    What Do Texas Church Leaders Need to Know About Worker's Compensation?
    Faith, Stewardship, & Insurance: Protecting Texas Churches
    Play
    Why Is Cyber Liability Becoming Essential Coverage for Texas Churches?
      6 min
    Why Is Cyber Liability Becoming Essential Coverage for Texas Churches?
    Faith, Stewardship, & Insurance: Protecting Texas Churches
    Play

    Faith, Stewardship, and the Promise of Certainty

    In the twenty second week of Faith, Stewardship, and Insurance, we look at different extra coverages that aren't automatically part of your Texas Church insurance policy.

    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.

     

    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.

     

     

    Topics: Church Insurance, Church Podcast