Comprehensive Property Insurance
Protect your congregation’s safety and enduring legacy with comprehensive church property insurance from Insurance Board.
Insurance Coverage Tailored to Your Church
We’re a trusted partner for faith-based institutions seeking superior coverage against perils such as fire, lightning, windstorms, rainstorms, explosions, collapse, smoke, and theft.
Insurance Board Property Insurance
Property insurance covers both your building and its contents, with options to choose a deductible to suit your congregation’s needs.
Optional Coverage For Extra Layer of Protection
For churches that need it, the broad range of optional coverage from Insurance Board protects against loss resulting from earthquakes, floods, damage to fine arts, miscellaneous articles and equipment, and loss of tuition and fees.
Explore Church Property Safety Resources
Safety Central is your go-to hub for church safety resources and guidance, offering a comprehensive range of tools to assist your ministry in avoiding potential loss.
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Frequently Asked Questions
What does property insurance from Insurance Board cover?
Property coverage* from Insurance Board includes:
- Boiler & machinery equipment
- Buildings such as churches, parsonages, and schools
- Business income and accounts receivable
- Business personal effects of clergy, officers, and others
- Computers, software, disks, office equipment, supplies and more
- Debris removal and pollutant clean-up
- Ground improvements: fences, signs, trees, shrubs, and plants
- Newly acquired property and property in transit
- Pews, furniture, fixtures, ceremonial objects, and more
- Stained glass, organs, pianos, and musical equipment
- Valuable documents and records
- Vandalism and theft
* Subject to coverage terms and policy limits.
What special coverages are offered in your program?
Insurance Board property coverage includes:
- $10,000 sub-limit on backup of sewers in Zones A & V
- Automatic Agreed Amount – no co-insurance
- Boiler & machinery coverage automatically included
- Broad range of optional property coverage for churches that need it including transit and fine arts
- Building ordinance protection – demolition and increased cost of construction coverage and limit
- Business income limit including extra expense, rental, and tuition income
- Limits available up to $250,000 for employee dishonesty and money & securities
- Newly acquired property for 180 days and up to $1,000,000
- Unintentional underinsurance up to 115%
- “Upgrade to Green” extra dollars for rebuilding with environmentally-friendly material
From the initial notification of roof damage online, timely appointments to evaluate the damage all went well. Temporary roof repairs were authorized and the adjuster and roofer communicated to ensure all damage was covered. Roofing replacement will not start until warmer weather but the interior repair will start immediately.
The first payment has been received and we are expecting all to go well until the roof is completely repaired and final payment is received. All Insurance Board employees, Insurance Adjusters, Insurance Agent employees have been most helpful.
Secure Your Church’s Future
Request a personalized insurance proposal to begin building comprehensive coverage that protects the future of your church and its ministries.