Does God Believe in Insurance?

by Jack D. Hapsburg

Disclaimer: {Nothing on this blog should be construed as insurance advice. Jack is no longer licensed, and is only sharing his opinion. Consult with a currently licensed agent prior to making decisions.}

I was asked the other day, “Jack, do you think God believes in insurance?”
I paused. Took a drag off my signature cigar. And I said, “Now that’s a damn good question.”

Because let’s be honest—there’s a rift in the world about this.

On one end, you’ve got folks who say:
"If I trust in the Lord, what do I need insurance for?"
They quote Proverbs and Psalms, talk about faith, and say insurance is a man-made invention that distracts from divine protection. They believe our security should come from the Almighty—not a premium payment.

And I get it. That’s a noble way to live—if you’re willing to roll those dice.

But then there’s the other crowd:
They insure everything—from their teeth to their pets to their next-door neighbor’s BBQ grill.
They live in fear of what might happen and throw thousands a year into policies they don’t fully understand, hoping that when disaster hits, the insurance company will swoop in like a white horse from Revelation.

Spoiler alert: it usually shows up more like a lawyer with a clipboard and a calculator.

Now here’s the twist:
The Bible does talk about being a protector and provider.
1 Timothy 5:8 says, “Anyone who does not provide for their relatives… has denied the faith.”
Proverbs 13:22 tells us, “A good man leaves an inheritance to his children’s children.”

Provision is biblical. Stewardship is spiritual.
So is wisdom.

But here's the rub:
Today’s insurance industry has mutated into something God never intended.

They promise peace of mind, but they profit most when you don’t get what you paid for.
They’ve turned “act of God” into a legal loophole—ironically—just to deny you help when your roof blows off in a storm.
And when a real catastrophe hits?
Rates spike. Coverage shrinks. Claims are dragged through the mud.

So what’s the answer? Go bare and hope the Good Lord parts the waters for your flooded car?
Or buy every policy you can find and pray your adjuster returns your calls?

Here’s where I land:
I insure the essentials—home, liability, catastrophic medical.
I carry high deductibles because I believe in taking care of the small stuff myself.
I save the difference and call it my Self-Insurance Fund.

And I only file claims when it’s absolutely necessary—because every claim you make is ammunition for the insurer to hike your rates or cancel your policy.
At the end of the day, this is a business relationship. And a co-antagonistic one at that.

The company wants to collect as much premium as they can while paying out as little as possible.
And the customer? Let’s be real. Some inflate the value of their RV, stretch the truth about that “accidental” scratch on the Beamer, or run up claims just to “get their money’s worth.”

It’s a game of cat and mouse. And the Bible doesn’t say to be either. It says to be wise as serpents and gentle as doves.

So, does God believe in insurance?

I think He believes in wisdom, provision, and truthfulness.
He doesn’t mind you protecting your family. But He might have a problem with you padding a claim or putting more faith in an underwriter than in Him.

Bottom line?
Have a plan. Use your head. Don't expect miracles from the insurance company—but don’t tempt fate either.
Walk the narrow road between foolish risk and blind dependence.

And pray you never have to file a claim.

Stay sharp,
Jack D. Hapsburg