Texans are a proud lot by nature. We love to tell people about it too. This pride can also be a problem if we are not careful. There are times when we need to admit that someone has more knowledge, wisdom, or expertise in something than us. And when things become difficult in life, this is especially true.
The church insurance marketplace right now in the great state of Texas is a mess. If you were not aware, church insurance companies have left the state, they have non-renewed church insurance policies, and insurance costs have skyrocketed to unconscionable levels. This has left many Texas churches looking for new insurance coverage.
Once upon a time, you could call up a local insurance agency and find coverage for churches in many forms. You didn't necessarily need a specialized insurance agency to find proper coverage. But in this mess we find ourselves in now, an important topic has emerged. Choosing the right experienced insurance agent is critical for your church’s insurance needs. Finding an agent who truly understands the unique risks churches face can make all the difference in protecting your ministry or religious organization.
Not All Insurance Agents Are the Same
Across the state of Texas, you'll find plenty of captive and independent insurance agents eager to earn your business. However, very few of these agents specialize in church insurance and actually understand where to find insurance for churches now that limited options are available. This makes it incredibly important for you to choose an experienced church insurance agent who not only knows insurance but also understands the specific needs of churches and the current marketplace here in Texas.
We've already admitted that we're facing some turbulence in the insurance market. Many carriers are pulling out of Texas, and some are no longer providing property coverage. Even if they do offer property coverage, they may exclude wind and hail—two major concerns for churches in Texas. That’s why working with an experienced agent who knows the landscape is essential.
The True Texas Church Insurance Difference
Here at Insurance for Texans, we’ve developed the True Texas Church Insurance Program to meet the diverse needs of churches across Texas, whether you’re a small congregation or a larger ministry. We understand the specific challenges you face, and we take pride in offering you tailored insurance solutions.
When you partner with us, you’re not just getting an insurance policy—you’re getting an education. We go beyond simply offering basic coverage. We take the time to explain the available options, what they mean for your church, and how they align with your risk factors.
Why Education and Options Matter
One of the key ways we serve churches is by ensuring you’re informed. We don’t just present insurance options; we explain them thoroughly so you understand exactly what’s being offered. Property and liability insurance, for example, come with a variety of types of coverage that may impact how your church manages potential risks. Understanding these details is part making informed decisions for your congregation’s protection and your peace of mind.
We also work hard to ensure that we’re presenting your church in the best light when we submit your business to insurance carriers. This helps you get the best possible coverage and terms, tailored specifically to your church’s needs.
What to Look For When Choosing an Insurance Agent
When you're interviewing insurance agents, it’s important to consider a few things:
- Church Expertise: Does the agent truly understand the unique needs of churches in Texas? Church insurance isn’t the same as business insurance, and a church insurance expert with specialized knowledge can provide better solutions for your ministry.
- Market Knowledge: You should look for an agent knowledgeable and well-versed in the current state of the Texas insurance market. With carriers pulling out or limiting their offerings, it’s important that your agent can navigate these changes and secure the right church insurance coverage for you.
- Market Access: Your agent should have regular access to multiple church insurance providers. The last thing you want is to go through the entire process of securing insurance, only to have to do it all over again because your agent has limited access to markets. By choosing an independent agent with broader access, you ensure that if your current carrier’s situation changes, your agent can quickly find a new solution without delay.
We’re Here to Help Your Church
At Insurance for Texans, we’re passionate about helping churches navigate the often confusing world of insurance. We work with a range of carriers, constantly exploring new options so that we can offer our church families the best possible coverage. With the True Texas Church Insurance Program, you can rest easy knowing that you’re partnering with an agent who understands your church’s needs and the challenges in the Texas marketplace with a track record of success.
If you're ready to explore how we can help your church or want to learn more about the True Texas Church Insurance Program, we’d love the opportunity to earn your business. Choosing the right insurance agent is about more than finding a policy. It’s about finding a partner who understands your ministry and will guide you through the challenges of church insurance in Texas. Click the button below to secure comprehensive coverage with a church insurance specialist.