What would a full insurance program cost your church?
Answer a few questions about your buildings and programs and you'll see what a complete program would likely run for a ministry your size — no contact information, no phone call. It takes about a minute.
Built for established churches and Christian schools that own their building and pay $5,000 or more a year. Smaller ministries are better served elsewhere, and we'll say so rather than waste your time.
It's the building limit on your declarations page — often shown as Coverage A. A close estimate is fine.
We focus on churches, Christian schools and ministry organizations — if that's not you, we're probably not your best solution. Still welcome to look, and (770) 716-0180 reaches a person either way.
The main policy only — not workers' comp, auto or umbrella. Your best guess is fine.
Nothing here is required. Answer what you like — you'll still see something worth reading.
An independent agency in Loganville that works only with ministries — 700+ of them across Georgia.
How we figure out whether we can help
We talk about how your ministry actually operates, look at your buildings, go through your claims, and then read your current policy properly. If we can improve it, we build you a coverage summary and a side-by-side comparison. If we can't, we tell you that.
We end up quoting a little under half the churches that come to us. The sooner we know which half you're in, the better — for us and for you.
Questions about church insurance costs
How much does church insurance cost in Georgia? +
Most established Georgia churches pay between $10,000 and $50,000 a year for a complete program, with building value the single biggest driver. This tool estimates what a full program would likely run for your ministry specifically, built from the replacement value of your buildings and priced at a best-case rate — it doesn't judge what you currently pay.
Why does my water damage deductible matter so much? +
Because water is the loss a church building is most likely to have, and most church policies carry a separate deductible just for it — a burst pipe, a failed water heater, a drain backing up. It isn't printed on your renewal summary; it sits in an endorsement deep in the contract, and on the policies we review it often runs $25,000 to $50,000. Plenty of water losses never reach that number, which means the church absorbs them in full.
Do I have to send you anything to use this? +
No. A few questions, an estimate, and you can close the tab — we don't ask for your name, your email, or your policy. If you'd like us to look at the actual coverage, that's a conversation you start, not one we start.
Is this a quote? +
No, and the difference matters. This is an indication built from the building value you enter. A real quote requires your five-year claims history, the condition of your buildings, and the deductibles you choose — none of which a summary page shows. Those three things move final pricing more than anything this tool can see.
Do I have to switch agents to use this? +
No. Nothing here changes your agent or your policy, and using the tool doesn't put anything in motion. If the questions it raises are useful, take them to whoever handles your insurance today — that's a legitimate outcome. If you'd rather we priced it properly, ask for a coverage review at the end.
Want the full comparison instead?
A coverage review puts your policy side by side with what a complete program looks like, line by line, and prices it properly. No cost, no obligation.