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From Pews to Stained Glass: How Property Insurance Can Protect Churches
Standard Property Insurance plans help churches repair or replace property damaged or lost in a fire, theft, or wind storm. Generally, you can choose between two types of coverage: cash-value and replacement-value. Cash-value plans usually come with a lower monthly premium and reimburse you for the damaged property's depreciated value.Replacement-value plans cost a bit more, but should property damage occur, you'll be able to replace your items with new ones at current-market cost.
Here are some things a standard Property Insurance plan can cover…
- Your church. This includes fixtures (like lighting) and furnishings (like pews, appliances, toilets, etc.).
- Equipment. This might include your sound or amplification system and the computer network you likely use to manage services.
- Supplies. These might include Sunday School textbooks, Bibles, paper, pens, choir robes, candles, recreational equipment, etc.
In addition, many churches house fine art items (such as paintings, tapestries, and jewelry), stained glass, ornamental woodwork or tiles, musical instruments (like organs), and items of historical significance that might not be covered under a standard insurance policy. Because of this, you may want to add special coverage to your Property Insurance policy to ensure these unique items are covered.
Let Robert M. Galligan & Associates, Inc. help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. When you are considering church property coverage in please call, or send us an online quote request!
