Reduce Insurance Costs

Church Mutual Temperature Sensor Program

This is a free program inviting churches to install temperature sensors that automatically monitor temperatures in the building and alert designated church members of low temperatures in the building that could lead to freezing pipes and then flooding.

Half of the claims reported to Church Mutual have to do with frozen pipes and flooding. This is a program to help alleviate some or all of that. The sensor kit is not only free, but upon installation, the church will receive $100 reward! (This is a special offer that has been extended.)The sensor works by cell signal, so church needs to have a good cell signal, but Wi-Fi is not required. 

Click here for additional details.

Functional Replacement cost property insurance

This is a program that considers the shrinking size of our congregations. If the existing church burned to the ground, would the current congregation desire to rebuild it the same as it was, or, replace it with a building that is more functional for them?

Functional Replacement allows for the 2nd option by offering a lesser insurance rate. It may sound confusing, but for some churches concerned about rising costs, it's worth considering. Click here to download the Functional Replacement application.

The New England Conference Trustees want to help you reduce the cost of insurance. Both of these programs are from Fred C. Church. If you have questions, you are welcome to contact Vermont representative on the Conference Trustees, Rev. Paul Hoffman at

Property Insurance and Pension payment waivers

COVID-19 has impacted some churches' capacities to keep up with insurance and pension payments. In response, the Conference Council on Finance & Administration and Board of Trustees waived payments of property insurance for up to two months and pension in March 2020 for up to three months. 

Churches may still be able to take advantage of waivers if they have not already received them. Please contact Kerry Patles,, in Administrative Services (do not contact the Fred C. Church company). Each church’s request will be handled individually as it comes in. Some churches may have already received the relief if they were behind on payments to begin with. The church treasurer should be able to ascertain if they received relief by reviewing the Beginning Balance columns of the June and July invoices.