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Church Insurance, Religious Organization, Pastoral Liability and Institutional Insurance Church Insurance, Religious Organization, Pastoral Liability and Institutional Insurance. Many Churches are Improperly Insured. Church Insurance Quote: Two years ago, the Asbury Park Press ran an article stating that approximately 60% of US dwellings are underinsured, the average dwelling is undervalued by 22 percent. This report came out way before the surge in oil, gas & commodity prices. In the last year alone brick, concrete, plumbing, steel & aluminum and other building materials have increased 3.4%. Any material that is transportation-intensive or petroleum based has become even more expensive.

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