Texas Church Insurance - True Texas Church Insurance

Why Hundreds Of Texas Churches Are Turning to Insurance For Texans for Affordable Coverage

The Texas church insurance market has been broken for a few years. It is bleak, insurance premiums are expensive, and the survival of your church budget is not guaranteed.

Many Texas Churches have scoured for insurance solutions, and there have been new, creative insurance policies built by insurance providers trying to solve the problem.

Some of them have been successful, and some of them are bad for Texas churches.

The overwhelming theme shared over and over again is that insurance protection for Texas churches and religious organizations is confusing, complicated and expensive.

There is a better way.

The "Texas Weather Tax" is Real

If you have opened your insurance policy renewal recently, you have felt the pain. Texas has the most severe weather in the country. Unlike some other parts of the country, Texas has all the weather natural disasters.

Wind & Hail
Tornadoes
Wildfires
Hurricanes
Freezes

And though we have them all, wind and hail have been the biggest culprits destroying church budgets for years now.

Insurance carriers have bled money from property and liability claims. They have reacted by aggressively raising insurance premiums, demanding higher deductibles, cutting faith based insurance coverage limits, or non-renewing policies entirely. This isn't just inflation. It is a fundamental shift in how insurance providers view Texas churches and insurance products work.

The hard truth is that you cannot control the weather. You cannot control the market rates. But you can control how you structure your insurance protection so that a bad renewal doesn't destroy your church finances.

You need a partner who understands the math behind the rate increase and knows how to fight for your church's best interest.

T.C. HUDGINS

"I contacted True TEXAS CHURCH insurance not knowing anything about even the first step to take. True Texas literally walked me thru the process so simply.

They were not only fast but knowledgeable
And very considerate.

I recommend them with NO reservations what so ever. It was AND is a great experience with a great group of people!"

What You Don't Know About Your Texas Church Insurance Policy Can Bankrupt Your Church

In an effort to keep premiums low, many carriers are changing the coverage inside their policy by shifting more of the claim cost to your church. They are betting that you won't read the fine print until it is too late.

A low premium is worthless if the policy leaves your church leadership and your building exposed. Here are the three ways churches get burned in the current market.

The Roof Sublimit Trap

This is a common and dangerous gap. Your policy might show a church building coverage limit of $2,000,000. But they hide a specific endorsement in the fine print that caps roof damage payouts at $50,000. If a storm hits and your roof costs $200,000 to replace, your church is on the hook for the difference. We help you spot this before the hail falls.

Learn More About Church Property Insurance

The Third-Party Event Exclusion

Does your church host weddings, voting centers, or other community events? Many church insurance policies have more fine print that excludes church building property and liability coverage. If a guest gets hurt or accidentally causes property damage, the claim is denied. You need a policy that covers your building for all events. Not just on Sunday mornings.

Learn More About Event Liability

The Boardroom Risk

Your Pastor and Deacons make difficult decisions every day. If a member doesn't like those decisions and the board is sued, does your policy protect their personal bank accounts? Or are they on their own because you only have General Liability Insurance? Directors & Officers Liability is critical to protecting the personal effects and assets of your leadership team, and is very inexpensive to secure.

Learn More About Liability Coverage

LIVING TRUTH FELLOWSHIP

"GREAT EXPERIENCE! Very knowledgeable and quick to respond to every question. They were such a wonderful help in our churches mission to find insurance. I would recommend them 1000%."

Your Brother-in-Law Can't Fix This

Let's face it. Most insurance agents in Texas are generalists. They spend their days selling policies for coffee shops, suburban homes, and mini-vans. They treat your church like a standard business or home because that is what they know.

But a church is not a coffee shop.

Generalists rarely understand the unique complexities of Church liability insurance. They often miss critical coverages that can save your church from serious financial harm. Here are three they don't always bring up!

We don't dabble in church insurance. We specialize in it. We wrote the book on it.

At Insurance For Texans, we bring specialized expertise to your policy using our unique framework because of who we are and what we know. These three roles are in the DNA of our team that works tirelessly for Texas Churches.

The Actuary: We understand the math behind the rates and use data to structure your policy.
The Teacher: We explain the fine print so your finance committee can make informed decisions.
The Advocate: We work for you, not the insurance company.

The Promise of Certainty

You don't need a quote. You need a risk management plan. We aren't shopping for the cheapest price. We work to understand your property, Christian ministries, and community involvement to build a wall of protection around your church using our three-step framework.

1. Where You Are (Assessment) We start with a risk assessment of your property and activities to understand who you are what you do. We then audit your current policy to find the sublimits, exclusions, and gaps hidden in the fine print. We tell you exactly what you have and where you are exposed.

2. Where You Are Headed (Strategy) We identify your church's plan over the next few years. Are you adding a new building? Starting a new youth program? Maintaining status quo? We look at where you are going to ensure your coverage grows with you.

3. What You Need (Execution) We go to the entire market. As an Independent Insurance Agency, we have access to virtually every carrier in Texas. We build a custom packet that fits your budget and your where you're headed.

ROBERT BURTON

"The company our church had been using raised their rates significantly, so I began to shop around, I was contacted by Amanda quickly, she communicated clearly and made the process very easy. The rate she gave is fantastic and the custom service is amazing!!!! I highly recommend insurance for Texans."

True Stewardship of Kingdom Resources

Protecting the church is a spiritual duty, not just a financial one. The Finance Committee and the Pastor have a fiduciary duty to protect the organization. While your pipe organs and stained glass windows are important, your ability to serve your congregation, influence your community, and spread The Good News through mission trips is far more important.

Bad insurance is bad stewardship. Having the right faith based insurance coverage helps you sleep at night knowing the church is protected from the storms that blow. That is where The Promise of Certainty fits into True Texas Church Insurance.

Let us check your Texas Church Insurance Policy for the "Texas Traps" before the next storm hits.

Frequently Asked Questions

Why have church insurance premiums in Texas increased so aggressively?

Insurance carriers in Texas have faced massive financial losses due to severe weather events like wind, hail, tornadoes, and freezes. In response, they are raising premiums, increasing deductibles, and sometimes reducing coverage limits to offset these costs. This "Texas Weather Tax" is a fundamental shift in the market, not just standard inflation.

What is a "Roof Sublimit" and how does it affect my church?

A roof sublimit is a clause hidden in the fine print of some policies that caps the payout for roof damage at a specific amount (e.g., $50,000) regardless of your total building coverage. If a storm causes $200,000 in damage, your church would be responsible for paying the $150,000 difference out of pocket.

Does our general liability policy cover weddings or community events held at the church?

Not always. Many policies now include exclusions for third-party events, especially if a facility fee is charged. This means if a guest is injured or property is damaged during a wedding or voting center event, the claim could be denied. You need a policy that explicitly covers your building for all activities, not just ministry services.

Why isn't General Liability enough to protect our church board?

General Liability typically covers physical injury or property damage but does not protect against lawsuits related to decision-making. If a member sues the board over a decision, Directors & Officers (D&O) Liability is required to protect the personal assets and bank accounts of your Pastor and Deacons.

How is Insurance For Texans different from a standard local agent?

Most agents are generalists who insure homes and small businesses, treating churches like standard commercial risks. Insurance For Texans specializes in the unique complexities of religious organizations. We use an "Actuary, Teacher, Advocate" approach to identify hidden gaps—like Sexual Misconduct or Professional Liability—that generalists often miss, ensuring your church is truly protected.

True Texas Church Insurance