Don't Buy Texas Church Insurance Until You Answer These 3 Questions

Ron Wadley — Tue, 14 Jul 2026 15:04:05 GMT

Caleb had inherited responsibility for the church insurance policy the same way many people end up serving on a church finance committee. Someone else stepped down, everyone looked around the room, and Caleb made the mistake of holding eye contact for too long.

His church in Weatherford had grown steadily over the last several years. What began as a small congregation meeting twice a week now had a busy children’s ministry, a food pantry, online giving, a weekday counseling program, and several community groups using the building. The church was also considering purchasing a van and turning an unused education wing into a Mother’s Day Out program.

Caleb knew all of those things because he lived them every week. What he did not know was whether the church’s insurance policy knew about them.

The renewal proposal sitting on his desk looked almost identical to the one from the previous year. The premium was higher, but that was hardly a surprise. What bothered him was how little anyone could explain about what the church was actually buying.

The building limit was listed clearly. So were the liability limits and deductibles. Beyond that, the proposal became a wall of endorsements, exclusions, and insurance language that might as well have been written in ancient Greek.

Caleb did what many responsible church leaders do. He started calling around for quotes.

That is when he nearly made the first mistake.

He was shopping for insurance before he understood what his church needed.

In today’s Texas church insurance market, that order is backwards. You cannot compare policies intelligently until you understand your current risks, where your ministry is headed, and who is qualified to help you build the protection needed to get there.

Those are not just insurance questions. They are stewardship questions.

Before your church buys another policy, accepts a renewal, or celebrates a lower quote, your leadership team should answer three questions.

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Don't Buy Texas Church Insurance Until You Answer These 3 Questions