Strategic Ways for Small Churches to Save on Insurance Premiums in Texas

Host Ron Wadley addresses Texas small church leaders facing steep insurance renewal increases. He explains that storm losses and rising costs have shaken Texas property and casualty insurance, prompting carriers to exit, raise rates, and tighten underwriting. This has left small congregations feeling abandoned. Wadley notes a shift in the 2026 market as new insurers enter Texas. They are selective and reward churches that document risk management. He also recommends strategic policy structures—such as higher wind and hail deductibles and tools like hail buy-down policies—to reduce premiums. 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 00:35 Sticker Shock Story 01:47 Why Rates Spiked 02:27 New Market Opportunity 02:55 Prove Your Risk 03:29 Deductible Strategy 04:27 Choose Specialists 05:05 Call to Action 05:31 Closing Message