Faith, Stewardship, & Insurance: Protecting Texas Churches

Faith, Stewardship, & Insurance: Protecting Texas Churches

Helping church leaders, pastors, and administrators understand the basics of Texas Church insurance and how they can mitigate risk while maximizing the reach of their mission.

Episodes

Does A Texas Church Need Special Insurance to Defend Abuse Allegations?

March 12, 2026 • 5 mins
Host Ron Wadley of Insurance For Texans explains how church insurance responds to abuse allegations. He emphasizes that even false claims can trigger costly investigations and legal defense costs that may exceed $50,000. He warns that many Texas churches mistakenly expect general liability to cover these situations, but such policies often exclude or severely limit sexual abuse and molestation claims. With stricter Texas mandatory ...
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What Are the Risks and Benefits of a Roof Sublimit for Texas Churches?

March 11, 2026 • 5 mins
Host Ron Wadley of Insurance For Texans explains the pros and cons of roof sub-limits for wind and hail damage in church property insurance. He recounts a San Antonio church that renewed their insurance. Their new policy had a lower premium. Then, they suffered damage to their church’s roof only to discover a $50,000 roof sub-limit that overrode their larger building coverage. Wadley notes insurers use sub-limits to cap exposure an...
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Can My Church Insurance Tell Me Who Makes Repairs After a Claim?

March 10, 2026 • 5 mins
Ron Wadley of Insurance for Texans explains how some church insurance policies settle claims through managed repair programs. These programs require using the carrier’s contractor, shifting control away from the church. He illustrates this with Steve, a deacon in Amarillo whose church roof was damaged by hail. After filing a claim, Steve learned he could not use a trusted local church member’s construction company because the insur...
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Does Affordable Insurance Exist for Small Texas Churches?

March 9, 2026 • 6 mins
In this episode, host Ron Wadley of Insurance for Texans discusses how small Texas churches can find affordable insurance without sacrificing protection. Using the story of Pastor David in Lubbock, he shows how a much cheaper quote hid a $100,000 roof coverage cap that left the church with a six-figure bill after hail damage. Wadley explains that as the 2026 church insurance market softens, some carriers lower premiums by cutting c...
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What Should My Texas Church Know About a Managed Repair Program?

March 6, 2026 • 6 mins
Host Ron Wadley of Insurance for Texans explains what managed repair programs mean for Texas churches. Using Teddy, a Waco finance committee member, who discovers “managed repair program” language in a low-premium property proposal as an example. Wadley says these programs, driven by rising Texas weather losses, can reduce premiums but shift control and risk to the church during claims. Unlike standard replacement cost policies whe...
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Should my Texas Church participate in a Texas Based Risk Pool?

March 5, 2026 • 6 mins
Host Ron Wadley explains how Texas churches facing sudden premium spikes can evaluate risk purchasing groups. He uses a large Amarillo church’s renewal shock as an example. He describes Texas’s “concentration problem,” where hail, tornadoes, hurricanes, and other storms create clustered losses that drive unpredictable rate increases. Texas-only risk pools that keep all exposure in-state can be more expensive. Wadley contrasts this ...
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How Can Small Churches Manage Insurance Costs Effectively?

March 4, 2026 • 6 mins
Host Ron Wadley of Insurance for Texans explains how small Texas churches are being hit hard by insurance market shifts. He uses the story of Nelda, an Austin church secretary to show how small churches are facing steep premium increases and reduced coverage. He notes insurers often define “small” by building size (often under about 15,000 square feet), which affects pricing and available coverage. Wadley outlines essential coverag...
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Does my Texas Church Insurance Policy Have a Minimum Deductible?

March 3, 2026 • 6 mins
Host Ron Wadley of Insurance for Texans explains how Texas churches are facing not only rising property insurance premiums but also higher, often non-negotiable wind and hail deductibles. He uses the story of a Fort Worth church that discovered a 5% deductible on their church’s roof. He notes insurers use higher deductibles to manage frequent storm losses. Risk purchasing groups typically trade lower premiums for greater deductible...
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What Church Insurance Exclusions leave Texas Churches Exposed?

March 2, 2026 • 5 mins
Host Ron Wadley explains how insurance exclusions can leave Texas churches unexpectedly exposed. He uses a story about Pastor Steve in Midland who is sued after providing pastoral counseling. Steve learns the church’s general liability policy excludes counseling and the church is not covered for this claim because it lacks professional liability coverage. Wadley notes many exclusions aren’t obvious on the declarations page and may ...
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Why Is Cyber Liability Becoming Essential Coverage for Texas Churches?

February 27, 2026 • 5 mins
Host Ron Wadley of Insurance for Texans explains why cyber liability insurance is important for Texas churches. He uses the story of Landry, a Fort Worth pastor whose church website is taken hostage by ransomware, to show how cyber threats affect real churches. The episode outlines why churches are targeted and describes what cyber liability coverage can provide, including system restoration, forensic investigation, member notifica...
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What Do Texas Church Leaders Need to Know About Worker's Compensation?

February 26, 2026 • 5 mins
Host Ron Wadley of Insurance for Texans explains how workers’ compensation fits into a Texas church insurance plan through the story of Fred, an elder in Amarillo. Although Texas law allows churches to go without it, the episode emphasizes that the risk remains and responsibility shifts to the church for medical bills, lost wages, and potentially legal costs if an employee is injured on the job. Without the built-in lawsuit protect...
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Why Weren't Our Stained Glass Windows Fully Replaced by Our Church Insurance?

February 25, 2026 • 5 mins
Host Ron Wadley of Insurance for Texans explains how stained glass windows in Texas churches can be underinsured due to policy sublimits. He shares a Tyler church’s experience after a spring hailstorm damaged the roof and shattered multiple stained glass windows. The insurer offered only a small payout because the policy capped stained glass coverage at a low amount. The episode outlines how stained glass may require a specific end...
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Will Our Texas Church Insurance Policy Automatically Include the Parsonage?

February 24, 2026 • 5 mins
Host Ron Wadley of Insurance for Texans explains how Texas churches can confirm proper insurance coverage for a church-owned parsonage. Using a small Abilene church that discovered the pastor’s brick house across the street wasn’t listed on their policy as an example, Ron discusses how to properly insure a parsonage. The episode outlines common parsonage coverage gaps: confirming church ownership and making the church the named ins...
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Is Your Church's Audio Equipment Really Covered By Your Insurance Policy?

February 23, 2026 • 5 mins
Host Ron Wadley of Insurance for Texans discusses how Texas hailstorms can lead to roof damage and water intrusion that destroys a church’s sound system. He explains that church property insurance separates building coverage from business personal property (sound systems, lighting, projectors, instruments, and technical equipment) and that these contents often have limits. Limits such as electronic equipment sublimits, or actual ca...
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Who Wants to Hear Some Good News About Church Insurance in 2026?

February 20, 2026 • 5 mins
In the milestone 100th episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley reveals hopeful news for church leaders regarding the Texas church insurance market. For the first time in years, insurance companies are competing again, leading to better pricing and coverage options for churches. The episode narrates Phil's experience when he finds out that new opportunities are on the horizon. Ron expla...
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How Do Pastors Find and Understand True Texas Church Insurance Coverage?

February 19, 2026 • 4 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley shares insights on understanding church insurance policies. Ron narrates the story of Paul, a diligent church leader from Austin, who struggled to decipher the complex language in his church's insurance renewal. The episode underscores the importance of clear communication between insurance providers and church leaders, emphasizing tailor...
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How Can Church Leaders in Texas Balance Finances with Insurance Costs?

February 18, 2026 • 4 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the evolving landscape of church insurance in Texas. He shares the story of Robert, a finance committee member from Fort Worth, who faced the unexpected challenge of securing new coverage after their long-time carrier left the market. The episode highlights the importance of understanding insurance coverages, evaluating real ris...
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What Should Leaders Know About Texas Church Insurance?

February 17, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley, from Insurance for Texans, addresses the complexities church leaders face when selecting insurance. Through the story of Elizabeth from Fort Worth, Ron explains the importance of various insurance coverages. They include property, general liability, professional liability, directors and officers, workers compensation, and abuse-related ...
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What Do All These Fees Mean on My Church Insurance Policy?

February 16, 2026 • 4 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the common misconceptions surrounding church insurance costs and the importance of understanding the details. He shares a case study from a church in Lubbock that faced rising premiums and initially believed a new proposal might solve their issues. Upon closer inspection, they discovered various additional charges and fees. Ron ...
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How Do Coinsurance Penalties Affect My Texas Church Insurance?

February 13, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans delves into the often misunderstood concept of co-insurance and how it affects church insurance policies in Texas. Using the example of Steve, a church leader in San Antonio, Ron explains the potential financial risks of under-insuring a church property. He discusses how rising construction costs and inadequate c...
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