Host Ron Wadley of Insurance for Texans explains why Texas church finance committees should look beyond lower premiums and focus on total cost of risk. Using a story of Steven, a Fort Worth church leader tempted by a friend’s 15% insurance savings, the episode highlights questions about reduced limits, changed roof coverage, and hidden deductibles. Wadley notes the Texas church insurance market is shifting with some carriers reducing church property coverage or leaving the state all together. And there are newer companies who compete on price. He warns that cheaper policies may have hidden language that would lead to costly out of pocket expenses when you file a claim.

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00:00 Show Introduction
00:41 Budget Pressure Story
01:43 Questions About Cheaper
02:26 Texas Market Shifts
03:24 Hidden Policy Traps
04:32 Total Cost Of Risk
04:43 Next Steps And Closing