How to Compare Church Insurance Policies in 2026

Host Ron Wadley of Insurance for Texans explains why comparing church insurance proposals in Texas for 2026 can paralyze finance committees. He illustrated this concept by using the story of Len, who is a church finance chair comparing three insurance quotes. Wadley notes the market now has more carrier options and competition, but policies may hide reduced protection in fine print. Quotes often differ because agents use different processes, carriers, and coverage forms, including admitted versus non-admitted surplus lines carriers. He highlights three common “gotchas” to check: roof coverage changes from replacement cost to actual cash value or roof sub-limits/schedules, third-party facility exclusions for weddings or community use (especially when fees are charged), and whether legal defense costs are inside or outside liability limits. 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 00:28 The Renewal Dilemma 00:41 Len’s Quote Confusion 02:16 Why Quotes Don’t Match 03:39 Three Common Gotchas 03:51 Gotcha One Roof Limits 04:26 Gotcha Two Facility Exclusions 04:49 Gotcha Three Defense Costs 05:24 Choose an Advisor 05:33 Resources and Closing