There are many different ways that you should protect your church with insurance. Property insurance is necessary if there is a fire, vandalism, a storm, or other problem with the church building or property that surrounds it. Taking the time to get the insurance that is custom to your church and includes coverage for property damage will allow you to have peace of mind.
Protection for Fire Damage
A fire can start in a church at any time, from the kitchen to faulty wiring in an older church; you may eventually have a fire in your church. Commercial property insurance for a church is important for repairs or rebuilding the church after a fire.
Theft
Covering the items inside a church building or even the signage and equipment on the outside of the building is important.
Vandalism
Your commercial property insurance should explain in detail if it covers vandalism and what that coverage entails. Whether you have someone vandalize the inside or outside of your church, you should know your coverage and limits when you purchase your church insurance policies. Vandalism is important to repair right away, so make sure you ask questions about the repair process and the standard amount of time that you have to wait for insurance to cover the damage.
Major Plumbing Issues
Major plumbing problems for your church can cause structural damage or other property damage that needs repairs. If you have pipes that burst, you could have repairs to the plumbing, flooring, walls, furniture, and fixtures. All of these things should be covered if you have a plumbing problem when the church is vacant, and no one catches a major leak. Plumbing is one of the biggest problems for structural damage in churches because leaks can start in areas that are hidden.
Storms
Damages from storms are never expected but should always be covered! Your property insurance should cover damage to the outside and inside the structure of your home because of the weather. Whether there are tornadoes, hail, or high winds, having good coverage against storm damage is just as important as any other kind of insurance for your church!