There is hardly a church which does not need property insurance.There are two options in Church Property Insurance- church property may be insured for its replacement cost ot its actual cost.

1. A church is not your typical business entity that ultimately aims to earn profits in lieu of delivering
products and services to its clients, it is a unique non-profit business whose characteristics set it apart
from other businesses. For example, church may be subjected to canon law, common law and statutory
law and it is often dependent on volunteers instead of paid employees. In spite of supporting
community in a number of ways, churches do resemble a for-profit business entities in more ways than
one. There is always a risk of getting its property damaged or stolen which include vehicles, HVAC
units, lighting systems, furniture, etc,.
Ever-existing risk of becoming victim of burglary, theft, and vandalism has made religious
organizations to seriously consider to get in touch with Church Insurance Agency to get a suitable
insurance coverage that can make them feel safe and protected while they continue to serve
community and help the underprivileged segment of society. Churches seeking for insurance
coverage have few alternatives at their disposal and this article was composed with intention to shed
light on some of the most common insurance covers taken by religious and non-profit organizations.
Property Insurance
There is hardly a church which does not need property insurance. Church-owned buildings are safe
and secure under a commercial property policy which is specifically designed keeping in mind the
growing concerns of religious organizations towards their property. There are two options in Church
Property Insurance- church property may be insured for its replacement cost ot its actual cost.
Choosing one of these is difficult but replacement cost coverage is considered as better choice
between the two as it ensures that you will have sufficient funds to build your church from the scratch
in case it is completely damaged due to unforeseen circumstances.
Building Ordinance Coverage
Building Ordinance Coverage is yet another type of insurance coverage that provides peace of mind to
churches across the globe. This insurance aims to cover the additional costs incurred to repair the old
building to meet current building codes. In absence of this coverage, a church may need to spend out
considerable amount of money to renovate old buildings so that they can be given ideal shape to meet
contemporary standards.
V A R I O U S C O V E R A G E S T H A T F A L L U N D E R
C H U R C H P R O P E R T Y I N S U R A N C E

2. Fine Arts Coverage
The good thing about church insurance coverage is that it covers nearly every aspect of church and
its operations and Fine Arts Insurance Coverage is yet another type of insurance policy that provides
cover for religious artefacts, prayer books, paintings, and other kinds of artwork that are considered
as precious property of church. Some anti-social elements are always looking for opportunities to
steal these valuable items of church because these ill-gotten items can fetch them a good price in
markets.
Employee Theft Coverage
This is yet another form of insurance policy that protects churches against thefts committed by their
own employees. Theft could be of cash, securities and other kinds of property that belongs to church.
Coming to conclusion, there is no common one-size fits all insurance policy for all churches. Every
church is different and so are their insurance needs and requirements. They should choose insurance
policy that provides protection to their staff and property while allowing them to render their
precious social services.
4182 Viking Way, Suite 203 Long Beach, CA 90808
(877) 854-7396
http://churchpropertyinsurance.com