This study investigates why people give money to religious organizations, using a laboratory experiment in Accra, Ghana. In particular, we seek to understand to what extent religious organizations such as churches and mosques provide informal insurance to households. Although contracts exist with quite low premiums, less than 1% of Ghanaian households are insured. With 96% of inhabitants reporting themselves to be religious, beliefs in a God play a major role in the daily lives of many Ghanaians. Much of this religious activity is backed by regular and significant contributions to the church through tithes, regular offering, and other forms of giving. We offer households a range of incentivized choices between donations to religious organizations and other financial options. We implement treatments including increasing the perceived risk of life accidents and the provision of free insurance to observe the effect on the demand for religious giving. We compare populations of church members and a control group drawn from the general population.