Church & House of Worship Insurance
Churches, synagogues, mosques and temples are the center of their communities. They hold irreplaceable items, host events and welcome volunteers and visitors every week. Pacific Southwest Insurance Services insures houses of worship with property and liability coverage designed for religious organizations.
Get a free quote today. Call (818) 701-1033 or email info@pswinsurance.com. Office hours are Monday to Friday, 9:30 AM to 5:00 PM.
Who We Insure
Our church & house of worship clients include:
- Churches
- Synagogues
- Mosques and temples
- Religious schools and daycares on site
- Fellowship halls and community centers
- Parsonages and rectories
Coverage Options
- Building coverage: Covers sanctuaries, halls, classrooms and parsonages.
- Contents: Covers pews, sound systems, instruments and religious items.
- Stained glass: Covers stained glass windows, often at special replacement values.
- General liability: Covers injuries at services, events and on the grounds.
- Directors and officers: Protects board members and leadership.
- Crime: Covers theft of offerings and funds.
What Affects Your Premium
Every property is different. Carriers typically look at:
- Building age and construction
- Seating capacity
- Stained glass and specialty items
- Daycares or schools on site
- Events and facility rentals
- Location
- Claims history
As an independent agency, we compare options from multiple insurance companies to find the right coverage at a competitive price.
Why Choose Pacific Southwest Insurance Services
- Family-owned and serving California since 1965, now writing coverage nationwide
- Access to multiple commercial property carriers, including markets for hard-to-place risks
- Fast certificates of insurance and lender evidence of property
- One agency for your property, general liability, commercial auto, bonds and more
- A real person answers the phone and knows your account
Common Claims We See
- Theft and vandalism: Copper, audio equipment and offering boxes are targets.
- Slip-and-falls at events: Large gatherings lead to injuries.
- Roof leaks: Older buildings and large roofs are prone to leaks.
- Water damage: Restrooms and kitchens can leak.
Tips for Churches and Houses of Worship
- Install cameras and secure equipment when not in use.
- Screen volunteers who work with children.
- Require groups that rent your hall to carry their own event insurance.
Frequently Asked Questions
Do we need special coverage for renting out our hall?
Yes. Require renters to carry event liability and name you as additional insured. We can help set this up.
Is abuse and molestation coverage important?
Yes, for any organization with youth programs. It’s usually a separate coverage we can add.
Is earthquake damage covered?
No. Standard commercial property policies exclude earthquake. In California we strongly recommend a separate commercial earthquake or difference-in-conditions (DIC) policy, and we can quote one alongside your property coverage.
Are our volunteers covered?
General liability can cover claims involving volunteers, and volunteer accident coverage can help with their medical bills.
Is our sound and video equipment covered?
Yes, as business property. If you take it off-site, inland marine coverage can protect it there.
Other Properties We Insure
- Office Building Insurance
- Retail Store & Strip Center Insurance
- Apartment Building Insurance
- Warehouse & Distribution Center Insurance
- Industrial & Manufacturing Building Insurance
- Mixed-Use Building Insurance
- Medical & Dental Office Insurance
- Self-Storage Facility Insurance
- Vacant Building Insurance
- Builder’s Risk Insurance
- Restaurant & Bar Property Insurance
- Contractor Shop & Yard Insurance
- Auto Repair & Body Shop Insurance
- Hotel & Motel Insurance
- Gas Station & Convenience Store Insurance
- Salon, Barbershop & Spa Insurance
- Gym & Fitness Studio Property Insurance
- Daycare & School Insurance
- Dry Cleaner & Laundromat Insurance
- Landlord & Rental Property Insurance
- Business Tenant Insurance
- HOA & Condo Association Insurance
- Commercial Real Estate Investor Insurance
- Commercial Earthquake Insurance
- Business Interruption Insurance
- Equipment Breakdown Insurance
- Commercial Flood Insurance
- Inland Marine & Contractor’s Equipment Insurance
Don’t see your property type? We insure most commercial properties. See all commercial property coverage.
Get a Church & House of Worship Insurance Quote
Tell us about your property and we’ll shop the market for you. Call (818) 701-1033, email info@pswinsurance.com, or visit our office at 9036 Reseda Blvd., Suite 105, Northridge, CA.
Get a Free Quote
Tell us what you need and a licensed agent will follow up, usually the same business day.