What to Know About Church Insurance

Why Costs Are Rising and How to Find the Right Coverage

The rising cost of church insurance has become a major concern for many congregations. As highlighted in the Religion News Service article, a combination of natural disasters, inflation, and insurer financial strategies has led to skyrocketing premiums. But what exactly is church insurance, who provides it, and how much does it cost? Let’s break it down.

Why Is Church Insurance So Expensive?

Several factors contribute to the high cost of church insurance, including:

• Increased Natural Disasters – Wildfires, hurricanes, and severe storms have led to higher claims, causing insurers to raise rates across the board.
• Rising Construction Costs – The cost of materials and labor has surged, making repairs and rebuilding more expensive.
• Higher Liability Risks – Churches often host large gatherings, youth programs, and community outreach, increasing their liability exposure.
• Insurance Industry Adjustments – Some insurers are dropping policies or exiting the church insurance market due to financial losses, reducing competition and driving prices higher.

Churches can mitigate some costs by conducting risk assessments, improving property safety, and working with insurance specialists to find the best coverage options.

How Much Does Church Insurance Cost?

The cost of church insurance varies based on factors such as location, size, coverage needs, and past claims history. However, here are some general cost estimates:

• Small churches: $500 – $2,000 per year
• Medium-sized churches: $3,000 – $10,000 per year
• Large churches with extensive property and programming: $10,000 – $50,000+ per year

Churches that own multiple buildings, offer daycare services, or host large-scale events may see even higher premiums.

Who Writes Church Insurance Policies?

For years, church insurance has been dominated by niche providers specializing in coverage for religious institutions. However, the market is shifting. Many of these insurers are pulling back—or exiting the space entirely—leaving churches searching for new options.

At Camargo Insurance, we represent a wide variety of both local and national carriers that have remained active in Ohio for years. These insurers offer competitive, robust coverage tailored to the needs of churches, providing an alternative to the traditional church insurance market.

Where to Get Church Insurance

Churches no longer have to rely solely on niche providers. As the market evolves, more generalist carriers with strong church programs are stepping in to fill the gap. Camargo Insurance, as an Ohio-based agency, has access to these carriers and can help churches find the right coverage at competitive rates. Whether you're reviewing your existing policy or searching for new coverage, we can connect you with insurers that understand the unique risks religious institutions face.

Want to explore your options? Contact us to learn more about how Camargo Insurance can help protect your congregation.