Church Property Insurance for Florida & the Southeast

Protecting Your Sanctuary and Property Assets

A church property insurance policy covers your sanctuary, classrooms, fellowship hall, and the contents that make ministry possible-pews, AV and sound equipment, musical instruments, computers, and more. Churches often own irreplaceable features like pipe organs and stained glass; those need proper valuation so coverage matches real-world replacement costs. Strong Tower Insurance structures church building insurance as part of a broader plan, often within a Church Package that includes liability, so leaders can review everything in one place.

Common Property Risks for Churches

Fire & Smoke

From an electrical short to a candlelight service, fire can damage structures and sanctuary furnishings. Coverage helps repair buildings and replace items like hymnals, chairs, and electronics.

Storm Damage (Wind, Hail, Hurricane)

In Florida and across the Southeast, hurricanes and severe storms can batter church roofs and siding. Replacement cost valuation is vital so a roof claim isn't reduced by depreciation.

Theft & Vandalism

AV systems, instruments, and metal fixtures are attractive targets. Policies can include special protection for sacred items when they're scheduled properly.

Burst Pipes/Water Damage

Older facilities and long holiday breaks increase water-loss risk. Standard policies address many forms of sudden water damage; separate flood coverage is recommended for low-lying areas.

Unique Items

Stained glass, organs, statuary, and fine arts may need endorsements so appraised values are fully recognized at claim time.

Coverage Features and Options

Ordinance or Law

If your property was built decades ago, code upgrades after a loss (ADA ramps, wiring, sprinklers) can add cost; this coverage helps pay for required improvements.

Equipment Breakdown

Protect boilers, HVAC, electrical panels, and even organ motors from internal failures-not just external causes.

Fine Arts Floater

Schedule valuable religious art, instruments, and rare items for their appraised value.

Exterior Structures

Include signs, fences, playgrounds, storage sheds, and gazebos so they're not overlooked.

Deductible Strategy

Wind/hail deductibles can be higher in coastal counties; Strong Tower Insurance helps balance premium savings with realistic out-of-pocket planning.

Ready Before the Storm

A late-summer hailstorm rips shingles from the main sanctuary roof and fractures several stained glass panels. Because the church carried replacement cost on the roof and scheduled the glass under a fine arts endorsement, the policy pays to restore the roof and custom glass, allowing services to continue in an auxiliary hall without a financial shock.

A church is more than a building-it's a second home for the community. Strong Tower Insurance can visit your campus in Plant City, Tampa, Brandon, Valrico, Lakeland, or Orlando to verify valuations and identify gaps. We'll prepare clear options and help you decide on limits, deductibles, and endorsements that fit your ministry and budget.

Secure Your Church Property