Church Building & Property Insurance
Insure your church building from the tip of the steeple to the boiler room. Your church's facility is an important asset and investment for the work of your congregation.
Making sure that the amount of building coverage provided on your insurance policy is adequate is absolutely essential if and when a building damage claim occurs. Additional owned buildings at satellite locations — such as storage facilities, the parsonage, daycare centers and soup kitchens — require coverage as well.
Separate coverage should also be provided for the contents of the church, including pews or chairs, office equipment, sound and lighting equipment, instruments, kitchen contents, classroom contents, fine artwork, historic items and stained glass windows.
You want an insurance advisor that thinks beyond just brick and mortar.
A complete church property package should also include:
- Breakdown of building equipment such as heating and cooling systems
- Water back-up and sump pump overflow
- Loss of ministry income due to a covered building claim
- Extra expenses to relocate or keep the ministry going during repairs
- Crime insurance and employee dishonesty
Related coverage for churches.
Church Liability Insurance
Protection for the everyday risks of hosting a congregation, community groups and events.
Workers' Compensation for Churches
Coverage for pastors, staff and support teams when a work-related injury happens.
Church Car, Van & Bus Insurance
Owned, borrowed and hired vehicles — from the pastor's car to the 15-passenger van.
Related risk insights
Is Your Church Underinsured? Replacement Cost vs. Market Value
Many congregations insure their building for what it would sell for, not what it would cost to rebuild. Here is how to set an accurate property value and avoid a coinsurance penalty.
August 4, 2026
Places of Worship: How To Protect Against Costly Losses
Vandalism, arson and destruction of sacred art are hitting congregations hard — and standard property policies often leave churches holding the bill. What to review, and how to prevent losses.
July 31, 2026
Preventing Frozen Pipes and Winter Water Damage in Church Buildings
Water is the most frequent property claim at houses of worship — and buildings that sit empty and cool midweek are especially exposed. A seasonal checklist for ministry facilities.
July 7, 2026