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

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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Is There a Texas Law that Says My Church Needs Insurance?

February 12, 2026 • 4 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance For Texans introduces a new series. This week he is answering the questions that churches may be too afraid to ask about their insurance. In this episode, Ron discusses whether Texas churches are legally required to have insurance. He highlights the real-life consequences a small church outside Waco faced when they opted ou...
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How Can a Deductible Buy Down Help My Church Insurance Costs?

February 12, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses how churches can manage rising insurance deductibles through deductible buy downs. The episode features the story of Charles, a finance leader who learned the hard way about the high costs of property insurance deductibles after a hailstorm damaged his church's roof. Wadley explains how deductible buydowns can reduce out-of-pock...
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How Can I Understand My Texas Church Insurance Deductible?

February 11, 2026 • 6 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans addresses a confusing aspect of church insurance which is the deductible. The discussion centers around a real-life scenario involving Benjamin, a finance committee member from a church in McKinney. He discovered their wind and hail deductible was 5% of the building value which would pose a significant financial ...
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What Makes Church Association Insurance Different Than Church Insurance in Texas?

February 10, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the often-overlooked insurance needs of church associations. He shares insights from a local Baptist association's experience, highlighting the importance of having separate commercial property and liability coverage for association-owned properties like offices and campgrounds. The episode also covers ...
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Why Are Surety Bonds a Good Idea for Church Treasurers in Texas?

February 9, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the significance of bonding church treasurers to safeguard church finances. Through a conversation between two pastors about rising church costs, the topic of surety bonds is discussed. These bonds protect churches from financial mismanagement or theft, reinforcing trust and transparency in church financial operations. The episo...
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Why is My Texas Church Insurance Renewal So Expensive?

February 6, 2026 • 5 mins
This episode of Faith Stewardship and Insurance: Protecting Texas Churches hosted by Ron Wadley explores the rising costs of church insurance in Texas. Highlighted by the story of Leslie, a CPA and finance committee leader, it details the multiple factors causing premium increases, such as higher rebuilding costs, hail damage, and increased liability risks. Ron emphasizes the importance of tailored insurance coverage that aligns wi...
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What is Causing a Surge in Texas Church Insurance Rates?

February 5, 2026 • 6 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance For Texans discusses the rising insurance premiums for churches due to increasing weather-related claims and escalating liability costs. Through the story of William, a senior administrator at a church near San Antonio, the episode highlights the complexities and financial challenges churches face in securing adequate insur...
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What Happens When My Church Uses Two Different Companies for Property and Liability Insurance?

February 4, 2026 • 4 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans addresses a common query from church leaders. Can you use two insurance companies, one for property and one for liability? Focusing on a specific case from a church in Abilene, Wadley explains how splitting coverage between two carriers allowed the church to secure robust liability protection and affordable prope...
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Who is Helping Texas Churches with Insurance?

February 3, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the recent difficulties Texas churches face in securing insurance. Due to an increase in hailstorms and underpriced risk, many churches have received non-renewal notices and faced rising premiums. Wadley explains the importance of not just securing insurance for lending purposes but ensuring comprehensive protection against prop...
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Why is My Church Struggling to Find Church Insurance in Texas?

February 2, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the difficulties many Texas churches face in obtaining proper insurance coverage. Using the case of a small church in East Texas, he highlights the perils of working with agents who don't specialize in church insurance and the errors that can arise from misunderstandings and misrepresentations. Ron emphasizes the importance of s...
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Why Do Details Matter When it Comes to Texas Church Insurance?

January 30, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans explains the complexities and evolving landscape of church insurance in Texas. He shares Lucy's experience from a church in Tyler, highlighting the request for detailed information is due to changing market conditions. Ron elaborates on the importance of providing comprehensive details to secure proper coverage and...
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How Can Too Many Church Insurance Quotes Work Against You?

January 29, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the potential issues that arise when church leaders work with multiple insurance agents. Drawing from a real scenario involving a church in Amarillo, the episode highlights how contacting multiple agents for insurance quotes can lead to confusion, inconsistent information, and ultimately higher costs. Wadley explains the importa...
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How Does an Inexperienced Insurance Agent Put My Church at Risk?

January 28, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans addresses the urgent challenges Texas churches face with their insurance policies. He explains how rising premiums, non-renewal notices, and shrinking coverage options are leading pastors and church leaders to seek help from inexperienced agents, which could leave critical coverage gaps. Ron highlights the unique...
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Can I Get Multiple Quotes at Once for My Texas Church Insurance?

January 27, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley discusses the importance of selecting the right church insurance policy. Through the story of Grace Fellowship's struggle after a devastating hailstorm, he illustrates the pitfalls of choosing insurance based solely on price. Wadley emphasizes the need to work with a specialized insurance agent who understands the unique risks and needs o...
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What Should Texas Church Leaders Know About Loss Runs?

January 26, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance, host Ron Wadley of Insurance for Texans explains the significance of loss runs in the context of church insurance. He highlights the struggles faced by Texas churches due to rising property insurance costs and the mid-process requests for loss runs by insurance agents. Wadley defines loss runs as records of a church's insurance claims history, which are important for obtaining acc...
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Is There a Difference Between Replacement Cost and Actual Cash Value for Church Insurance?

January 23, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the critical differences between actual cash value (ACV) and replacement cost insurance for churches. Using a real-life example from a church in Abilene, Ron explains how lack of understanding of ACV can lead to unexpected financial shortfalls after a disaster. He emphasizes the importance of knowing wh...
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What Are 5 Things that Cause Leaders to Complain About Texas Church Insurance?

January 22, 2026 • 4 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans addresses the top complaints church leaders have about their insurance. The discussion covers issues like rising premiums, inadequate coverage fit for modern church operations, frustrations with the claims process, discovering exclusions and limits after filing claims, and the lack of real support from insurance ...
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What Does it Mean if My Texas Church Insurance Company is Non-Admitted?

January 21, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley of Insurance for Texans discusses an important but often confusing topic for church leaders: the difference between admitted and non-admitted insurance carriers in Texas. Using the case of Charles, a church leader from Frisco, Ron explains that admitted insurance carriers are regulated by the Texas Department of Insurance and come with st...
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What Are Three Questions that Need Answers Before We Buy Church Insurance?

January 20, 2026 • 5 mins
In this episode of Faith Stewardship and Insurance: Protecting Texas Churches, host Ron Wadley from Insurance for Texans discusses the critical aspects of church insurance for pastors and church leaders in Texas. He introduces Sylvia, a newcomer to her church’s finance committee in Waco, who faced several questions about the church's insurance needs. The episode explores the essential types of coverage required. Ron examines the f...
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