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Getting the right kind of insurance for your church is largely a matter of doing business with a company that specializes in dealing with issues associated with worship facilities. And once you find the company and the policy you want, there are several steps you can take to lower the cost of the coverage you need.

Churches have unique insurance needs that require the services of a specialist, according to Eric Spacek, senior church risk manager for West Des Moines, Iowa-based GuideOne Insurance.

On the property side, church buildings are often uniquely constructed facilities with hard to- replace ornamentation, such as stainedglass windows, explains Spacek. And inside, they tend to contain specialized furnishings, such as pews, pulpits, organs, and (increasingly) audio-visual equipment—all of which insurers unfamiliar with churches can have difficulties in valuing and underwriting.

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