Most church leaders in Texas don’t wake up in the morning thinking about church insurance. And that’s perfectly understandable. We get it. You’re focused on people. On ministry. On the dozens of responsibilities that come with shepherding a church.
But when the unexpected storms or legal claim shows up, any gaps in your insurance coverage are no longer theoretical. They’re real. They’re painful. And they can derail the work God has called your church to do.
That’s why we’ve spent time building a process that helps church leaders take a step back and look at the big picture. Not just a line-by-line policy review, but a three-step arc that walks through where you are today, where you're headed, and what needs protection to help you get there.
And for Pastor Chuck, that made all the difference.
Chuck’s Story: Same Mission, New Questions
Chuck pastors a faithful congregation just outside Fort Worth. It’s not a megachurch, but it’s solid. Steady. They’ve been meeting in the same sanctuary since the early 90s. While the town around them has evolved, the mission of the church has stayed rooted in Scripture and service.
But a few months ago, Chuck started asking new questions about their church property coverage.
A recent roof repair sparked concern when the contractor asked if the damage would be covered as a potential loss under their current policy. Chuck wasn’t sure and wasn't sure how to check his property insurance.
Even more unsettling, it suddenly dawned on him that he hadn’t heard from his insurance agent in over two years. No review. No check-in. Just a renewal notice in the mail from the insurance company and a payment draft on autopilot.
That’s when he reached out to Insurance For Texans.
When we met with Chuck, we didn’t start with a quote. We started with a conversation. One that walked through the three layers of proper church risk management resources.
If you want to skip to the FAQs, they are at the bottom of the page.
Step 1: Know Where You Are Today
The first question we always ask is, “What’s happening in your church right now?”
We’re looking at how your church lives and breathes week to week. We will eventually get to church property insurance. First, it is wildly important to understand liability coverage for ministries and events.
- What ministries are operating regularly?
- Who’s using your building, and when?
- Are there outside groups like recovery meetings, co-ops, or events?
- What type of people are coming through the doors?
With Chuck, we uncovered that their counseling ministry had quietly grown over the last few years. They’d also opened their fellowship hall to a homeschool co-op group on Mondays and Thursdays. None of that was listed in their liability insurance policy.
Which meant if someone had slipped and fallen during one of those meetings, the church might have faced serious exposure to claims from accidents. That’s the kind of surprise no church needs from the claims team at the insurance company.
It’s simple: you cannot protect what you don’t acknowledge. And ignoring current reality is one of the most common reasons policies fail to provide comprehensive coverage when you need it.
Step 2: Consider Where You’re Headed
Now let’s talk about the future.
It’s easy to assume securing insurance for churches is a one-time decision. Nope. Just like your ministry, your risks evolve over time. So we always ask about what’s on the horizon.
- Are you adding new programs?
- Hiring new staff?
- Seeing changes in leadership or board structure?
- Increasing your digital presence or livestreaming equipment?
Not every church is on a growth curve. Some are simply staying faithful with the same members they’ve had for decades. That’s okay. But even in a stable season, churches deserve reliable coverage that reflects their reality.
In Chuck’s case, he wasn’t chasing expansion. But he was starting to hand over some church leadership to a younger team. They had also bought better livestream equipment. They were also processing more digital donations. All of that raised new questions about media and cyber risk along with equipment replacement costs.
Even if your congregation isn't “changing,” it still matters that your custom insurance coverage keeps pace with your direction.
Step 3: Protect What Matters Most
Once we understand where you are and where you’re going, we finish by identifying what matters most.
This is the stewardship part that is so frequently mentioned in Texas churches. What people, property, or purpose has God entrusted to your care that you cannot afford to lose?
For Chuck, that list included property and liability coverage items.
- His Sunday school wing, which served dozens of kids and families every week
- The church’s audiovisual gear, including livestream hardware and software
- The benevolence program, which provided groceries and utility help to local families
Each one of those assets required different forms of church insurance protection. And each one needed to be written into the policy with the right endorsements and limits.
Church insurance isn’t just about buildings. It’s about ministry. And protecting that ministry isn’t just wise. It’s biblical.
A Tool, Not a Distraction
Some churches hesitate to talk about insurance. It can feel worldly or disconnected from the mission. Never mind it's confusing as all get out.
But we like to frame insurance a different way. It’s not a sign of fear. It’s a tool of stewardship.
The best church insurance we sell is the kind you never need. That means nothing bad has happened to your congregation or community!
No one wants to spend money on something they hope to never use. But if the day ever comes when your church faces a crisis, you’ll be grateful you took the time to build something with an effective response that actually works.
Chuck’s Outcome and What You Should Do Next
After we walked through the full process with Pastor Chuck, something shifted. He wasn’t just hoping the policy would work anymore. He sensed the Promise of Certainty.
Their Church Insurance Policy had been built with clarity.
- Clarity about what was happening now.
- Clarity about where the church was going.
- Clarity about what really needed to be protected.
That’s the confidence that comes from working with a team who doesn’t just sell policies. We build protection around your purpose. That's the reason True Texas Church Insurance exists.
If you’re a church leader and it’s been a while since you really looked at your insurance, now is the time. Don’t wait for the storm to start asking the hard questions.
Click the button below to schedule a review of your current coverage and let’s walk through this process together.