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We’re halfway through 2022 - Is Your Insurance Working For You?

Updated: Oct 22, 2023

It’s hard to believe we’re already halfway through 2022, and that means for the last six months, you may have been overpaying on your ministry’s insurance coverage. Fortunately, there’s still time to review your coverage and see if you can save money for the rest of the year.

Consider these two ways to see if your insurance is still the best option for your church.

Coverage review

A coverage review allows a dedicated representative to review the current policy your church has, the premiums that you pay, and what is protected by your policy. From there, a representative and you can determine whether your coverage is appropriate for your ministry. Recent changes like newly built buildings or a reduction in the number of vehicles your church owns can impact whether you have too much or too little insurance.

Once the coverage review has been completed and your priorities have been established, they’ll shop your coverage around to different carriers to see if there are options to help save your church money.

A fast, free quote.

In addition to coverage reviews, a free quote can also help determine whether more appropriate, more affordable coverage is available for your church. Similar to a coverage review, an agent will collect your information and begin to shop around your insurance to a number of different carriers to see if anyone can beat what you’re currently paying.

Request a free quote. Do you currently have a multi-year contract? No problem.

Even if your church has a multi-year contract, there still might be opportunities to save money. For this reason, it’s recommended that you still get regular coverage reviews to help ensure you are maximizing savings.

Coverage reviews and requesting a quote do not take much time, but they can make a big difference in how much money you can save your ministry. Even if your premium payment stays flat, you’ll have peace of mind in knowing that you are currently getting the best available market pricing, and that your ministry is appropriately covered if something unfortunate happens.

When you are covered by UMIP, we will be there when you need us. Churches have unique needs. As a part of the denomination, we understand the unique needs of United Methodist churches and their operations, which is reflected in our coverage options. Your ministry deserves outstanding insurance and UMIP works for you each day to help protect your church’s people, property, and finances.

Let's talk! Contact us at 484-654-3380 or at


This content has been prepared by United Methodist Insurance Company (UMI) for informational purposes only. No article or document may accurately contemplate all possible scenarios or church resources. As such, this information is meant to foster discussion by the individual church and its members to develop a plan tailored to its own circumstances. UMI is providing this information with no warranties or guarantees of any kind and it should not be viewed as legal, financial, or other professional advice. All liability is expressly disclaimed. Any claim examples described herein are general in nature, may or may not be based on actual claims, and are for informational purposes only. Any coverage available for a claim is determined from the facts and circumstances of the claim as well as the terms and conditions of any applicable policy, including any exclusions or deductibles. In the event of a conflict with the content herein, the terms and conditions of any issued policy will control. Individual coverage may vary and may not be available in all states.

The commercial insurance coverages for United Methodist Insurance are sold and serviced directly or indirectly by Sovereign Insurance Agency (CA Lic. No. 0B01380) ("Sovereign") and underwritten by various available insurance markets. Sovereign pays United Methodist Insurance a royalty for the use of its intellectual property.


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