Once you make the decision that you need church insurance, then you may be wondering what to look for in a policy. Church insurance in Georgia is extremely important. The state is prone to all sorts of weather issues, like tornadoes in middle Georgia, hurricanes on the coast, wildfires in the south and hail in the north. No matter the situation, you will want to make sure your church is protected. This would include choosing Georgia church insurance. What should you look for in a policy? Here are some tips that will help you make the right decision.
To start with, you will need to make sure you choose adequate coverage. That means you need to have an idea of the value of your church. This will include the sanctuary, social hall and any other buildings. You will also need to consider the value of everything inside the church. It is of the utmost importance that you know the value of the whole church so that you can choose the proper policy.
The next thing you will need to look for will be the right coverage. You cannot choose homeowner’s insurance or business insurance since a church is quite different. You will need to choose a policy that is designed specifically to cover the church and the types of damage it could suffer. Here are some things that you will want to make sure the policy covers:
- Fire (due to weather, accident or arson)
- Vandalism
- Hail
- Tornadoes
- Fallen Trees
- Flood
- Hurricane (if you live on coastal areas)
It is unfortunate, but it is true. There are things that could happen to damage your church. You need to look for the right things in a Georgia church insurance policy to make sure you are covered should something happen.