Replacing what you’ve built should never come out of your donation fund.

Most nonprofits aren’t sitting on piles of extra money. Every dollar raised is already spoken for, whether it's earmarked for community programs, outreach, or operating costs. That’s why unexpected damage to your building or equipment can be more than disruptive. It can be devastating.

Having the right nonprofit property insurance in place helps protect the physical assets that support your mission, so you aren’t left scrambling to recover from fire, theft, storms, or other losses.

Let’s walk through what this coverage actually includes and how to make sure your nonprofit is properly protected.

You may not think of your organization as owning a lot of “property,” but once you add it up, the value can be surprising.

Maybe you own a small office building or lease a space downtown. Maybe your church or community center has an industrial kitchen, donated musical instruments, a sound system, or classroom technology. Even if you’re operating out of a shared facility, you likely have things like furniture, printed materials, laptops, projectors, and volunteer supplies.

And let’s not forget items that were donated. If someone gave your nonprofit a trailer, storage shed, or thousands of dollars in equipment, it’s important to make sure those gifts are protected as well.

Property insurance is what covers the cost to repair or replace those items if they’re damaged or destroyed due to events such as:

• Fire or smoke
• Vandalism
• Theft or break-in
• Wind or hail
• Burst pipes or water damage

Without insurance, replacing even one essential item could eat into your operating budget, delay programs, or force you to pause services your community depends on.

A nonprofit property insurance policy generally includes coverage for:

• Buildings you own or rent
• Office equipment and supplies
• Inventory, furnishings, and storage
• Donated items that are listed or scheduled
• Signage, fencing, or small structures
• Loss of use or income, depending on the policy

Coverage can be tailored based on what your organization owns and how it operates. If you run a food pantry, you may need cold storage coverage. If you host outdoor events, tents and sound systems might need to be listed. If you store seasonal donations in an off-site garage, that should be part of the conversation, too.

At the Wallace Agency, we’ve worked with faith-based groups, mentoring programs, educational nonprofits, and arts organizations in multiple states. We know every nonprofit is different. That’s why we take time to learn how you operate, what you own, and what risks you face before recommending coverage.

If you’re not sure whether your current policy covers everything it should, we can help you review it and spot any gaps. 

Let’s protect the tools that help you do good.Call now or click here to schedule a quick review. We’ll help you build a policy that supports your mission.