Has The Cost of Texas Church Insurance Improved in 2026?

Host Ron Wadley of Insurance For Texans explains what Texas churches should expect for insurance costs in 2026. After several brutal renewal cycles, some price relief is emerging as new carriers return and competition increases. He cautions that the insurance floor has permanently risen due to higher construction costs and ongoing weather losses. Unusually cheap quotes often reflect trade-offs such as managed repair programs, reduced liability limits,, capped or removed retroactive dates, and property shifts from replacement cost to actual cash value. He highlights roof sublimits and higher wind/hail deductibles, emphasizing geographic differences across Texas. The key takeaway is that lower premiums only matter if coverage still works. Connect with our church insurance team at insurancefortexans.com Get a free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Introduction 00:26 2026 Costs Reset 00:41 Why Prices Rose 01:17 Relief With Tradeoffs 01:55 Managed Repair Control 02:22 Coverage Hollowing Out 02:47 Roof Sublimits Warning 03:27 Texas Geography Impacts 04:08 Customize Not Commoditize 04:21 Total Cost Of Risk 05:06 Solid Coverage Checklist 05:22 Renewal Help And Resources 05:45 Final Stewardship Sendoff