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There’s still time to plan your church’s insurance for 2022

Updated: Jul 19, 2022

We’re already halfway through January, but that doesn’t mean it’s too late to make changes to your church’s insurance this year. In fact, it’s never a bad time to review your current insurance coverages and see if there are better options available. Below, we’ll cover two big reasons you should be reconsidering your church insurance.

Two big reasons to reconsider your church’s insurance

Your rates could go down

Over the past year we’ve seen the prices of nearly everything increase, and whether your church is large or small, it’s likely to have been affected in some way by these rising prices. The insurance industry can also see prices fluctuate, but that doesn’t mean there aren’t potential savings to be found. In fact, shopping your insurance is one of the best ways to search for savings for your church.

Your needs may have changed

Uncertainty and change may have been the theme of the past two years, and your ministry may look different than it did before. Some churches downsized their staff or property. Others took the opportunity to expand with new construction or purchases. If your church has experienced any changes, now could be the right time to review your coverage to make sure it’s adequately covering your people and property. By reviewing your coverage, you can also make sure you’re not paying for insurance you no longer need, which could result in more savings for your ministry.


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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