The insurance landscape for Texas churches has changed so fast that even seasoned leaders are struggling to keep up.
Benjamin felt that tension firsthand.
As a member of his church’s finance committee in McKinney, he’s used to reading financial statements carefully. He knows hail storms are part of life in North Texas. He understands premiums go up. But when the renewal packet landed on the table, it wasn’t the top-line premium increase that stopped him cold. It was something else that was buried deeper in the policy.
The wind and hail deductible had jumped to five percent of the building value.
Benjamin did the math in his head and felt dizzy. One storm could mean six figures out of pocket before insurance even started helping. That moment sparked a bigger realization for his entire committee. There are parts of church insurance that most leaders never know that they should know about.
That’s exactly what this week of the podcast addresses.
Episodes 91 through 95 unpack the hidden mechanics of church insurance—surety bonds, association coverage, deductibles, buy-down strategies, and coinsurance penalties—that quietly shape a church’s financial future. These aren’t fringe issues. They’re the details that separate informed stewardship from accidental exposure.
Faithful stewardship doesn’t mean trying to become an insurance expert overnight. It means knowing when the landscape has changed enough to trust those who live in it every day.
The twentieth week of Faith, Stewardship, and Insurance offers honest conversations about things that most church leaders don't know that they should even ask about regarding their church's insurance coverage.
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.
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