Are our outdoor signs, playgrounds, and fences covered? | NCG Insurance FAQ

Q: Are our outdoor signs, playgrounds, and fences covered?

Outdoor property is generally covered under church insurance but often has specific sublimits that may not be sufficient for full replacement.

Yes, outdoor signs, playgrounds, and fences are generally covered under a church’s property insurance, but they are often categorized as structures on premises or outdoor property and have specific sublimits, sometimes as low as $20,000 per one occurrence or loss.

These separate sublimits aren’t always sufficient. For example, freestanding digital signs have become increasingly popular, and can be a significant investment for a church, often costing tens of thousands of dollars, meaning a standard sublimit of $20,000 may fall short of covering the full replacement cost of the sign.

Coverage can also vary depending on the cause of loss, such as vandalism, weather, or theft. Because of these differences, it’s important to review your policy to confirm how these items are insured and whether additional coverage or higher limits are needed to fully protect them.