Last week, a church in Boston was the target of a hate crime as two fires were started by vandals, damaging the building’s entrance. Cases like these aren’t surprising, as the FBI reported a 34.8% increase in crimes against religious organizations in the last 5 years. Given the volatile times we currently live in, it’s best to have a safety net to fall back upon, which is exactly what property insurance provides.
Without further ado, here’s why your church must have adequate property insurance coverage:
Fire damage: Obviously from the above example, fires are a real concern - especially considering how church premises are largely unoccupied for the better part of the week. Granted the Boston church fire was arson, accidental small fires can cause even more damage. Electric wiring, HVAC systems, cooking facilities and ovens are all potential fire hazards that need regular checking.
Vandalism: Religious institutions have increasingly become the targets of violence and vandalism. Usually, profane graffiti is the worst that happens, but the occasional attempts to damage church property do occur, particularly during desperate times and riots.
Break-ins: During recessions and financial crises, people turn to the church for comfort and hope. They may also take advantage of the church and “steal the silver candlesticks” as it were. Since pressing charges against struggling folk may not be the ideal spiritual solution, adequate insurance coverage and reimbursement might be a better option (plus a good long talk with the culprit).
Attacks: Given the controversy surrounding religion in general, it’s no surprise that some people with personal and/or irrational vendettas against the church walk through its open doors and open fire, as seen in the December 2019 Texas disaster. Reopening church grounds after such violence requires extensive repairs and faith, for which a good insurance policy can provide monetary help.