Cheap Texas Church Insurance Isn't Always Better

Host Ron Wadley of Insurance for Texans explains why Texas church finance committees should look beyond lower premiums and focus on total cost of risk. Using a story of Steven, a Fort Worth church leader tempted by a friend’s 15% insurance savings, the episode highlights questions about reduced limits, changed roof coverage, and hidden deductibles. Wadley notes the Texas church insurance market is shifting with some carriers reducing church property coverage or leaving the state all together. And there are newer companies who compete on price. He warns that cheaper policies may have hidden language that would lead to costly out of pocket expenses when you file a claim. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:41 Budget Pressure Story 01:43 Questions About Cheaper 02:26 Texas Market Shifts 03:24 Hidden Policy Traps 04:32 Total Cost Of Risk 04:43 Next Steps And Closing