Alabama Church Property Insurance

There are a few things that Alabama church property insurance covers. It provides coverage for the buildings and the contents inside. Wind insurance is available as a separate policy. If your church or synagogue is located in a coastal area, you may want to consider flood insurance.

Personal Property Insurance for Churches

It’s not just your building that needs coverage. You also need coverage on the things inside your building. Your church may have expensive sound equipment, computers, furniture, etc. If your congregation is more traditional, you may have an organ, piano, pews, etc. A more modern church may have projectors, speakers, musical instruments, etc. Anything that is inside the church that can be taken out is labeled “contents” or “personal property”. If any of these items were stolen or damaged, insurance could pay for it. There are 2 things to keep in mind:

1. Always keep a list of your personal property accompanied by pictures, videos, and/or receipts. An insurance company will never debate how much personal property coverage you get. But it is your responsibility to prove what you had it once it is gone. Without proof, insurance pays nothing.
2. Remember your deductible. Is the value of damage under your deductible? Then you don’t have a claim. Is the value of damage over your deductible? Then you do have a claim. But weight your options wisely. If your claim is small, you may not want to claim. Insurance prices may increase due to claim history. In other words, if you make a claim, make it a good one.

Church Building Insurance

Alabama Church Property Insurance will protect your sanctuary, buildings, and other structures. If your church has separate buildings, you’ll need protection for them. Be covered from fire, ice, lightning, and theft. Here are some things to know about insurance on your church or synagogue:

1. When it comes to your buildings, the burden of proof is on the insurance company. That’s why they take pictures or send inspectors to the buildings.
2. It’s your duty to prevent damages from occurring or stop them from continuing.
3. A building must be insured at replacement cost value, not market value. Replacement cost value is determined by an appraisal or cost estimator.

Alabama Church Wind Insurance

It’s usually hard to bundle Alabama church property insurance with wind coverage.   Most dedicated church insurance companies are unwilling to provide wind coverage in the total policy.   Don’t worry, we’ve got you covered. Your Alabama church insurance policy can be complimented with an additional wind policy from groups like Lloyds.

Alabama Church Flood Insurance

Another coverage to consider is Alabama church flood insurance. It all depends on where your church is built. If it is in Mobile, Baldwin County, or another coastal area, you may consider flood insurance. Contact us today for a flood zone determination!