Call Alfa today to compare your current church insurance coverage to ours. The Church Policy offered by Alfa contains several notable coverage items that may not be included in your current church policy. Alfa's Church Policy also removes certain coverage limitations and restrictions that can be found in some other church policies.

Coinsurance - We encourage and expect your church to adequately insure your property exposures. There is no coinsurance penalty that will reduce the amount of your loss payment, however, if you are underinsured.

Volunteer Labor - Coverage for Medical Expenses is extended to include bodily injury to authorized volunteer workers while performing maintenance, repair, alteration, demolition or new construction at the insured premises.

Money and Securities - Alfa's policy anticipates the higher offerings that are often collected around Christmas and Easter holiday periods, and coverage is automatically doubled during these times.

Personal Property of the Clergy - Coverage for personal effects of the clergy is limited to $2,500 if the personal effects are unrelated to church business. Any clergy-owned property that is used in church business, however, is fully covered up to the "Business Personal Property" covered amount. This is important for the clergy who maintain libraries of their own books on the church premises.

Vacancy - We recognize that churches occasionally experience interim periods in which a residence premises maintained for the clergy may be vacant. Our policy contains an exception to the Vacancy Clause, which assures full protection even during such periods as long as the church is actively seeking new clergy.

Trees, Shrubs, Lawns and Plants - Our policy includes coverage for the often overlooked peril of theft. Our limit of $1,000 for any one tree, shrub or plant is also higher than many other policies.