Last Updated on July 27, 2025 by The Insurance Pros
⛪ Michigan Church Insurance: Property, Liability & Coverage Options for 2025
Your Michigan church plays a vital role in your community; make sure it’s properly protected. Whether your congregation is small or large, we offer specialized insurance plans designed for houses of worship and religious organizations across Michigan.
🏛️ Michigan Church Property Insurance Coverage
Property insurance helps protect your church’s physical assets, from the building itself to valuable contents inside. Your policy can cover:
- Church buildings and contents, including sound systems, pews, altars, and fixtures
- Outdoor property like signs, fences, and landscaping
- Stained glass windows and other custom architectural features
- Pastor’s personal property and church-owned equipment
- Computer systems and digital equipment used for ministry
Property protection can be based on:
- Market Value: Covers depreciated value of property (lower premium)
- Replacement Cost: Replaces damaged items at today’s cost (higher premium)
🛡️ Michigan Church Liability Insurance
Liability insurance protects your church from legal claims related to injuries, property damage, or personal harm (such as libel or slander) occurring on your premises or during church-related activities. Coverage extends to:
- Clergy, staff, and volunteers acting on behalf of the church
- Church leaders, board members, and officers
- Visitors, event attendees, and members of the congregation
⚙️ Optional Endorsements for Michigan Churches
- Non-owned and hired auto liability for church vehicles or volunteer drivers
- Directors, Officers, and Trustees Liability (D&O) for leadership boards
- Coverage for musical instruments, fine art, and custom furnishings
⚠️ Worker’s Compensation Reminder
📞 Get a Quote or Learn More
Ready to protect your ministry and congregation? We’ll help you find a policy tailored to your Michigan church’s needs.
