Have Confidence in Your Insurance Coverage

One of the best ways to protect your financial future is to have the proper insurance in place. It’s impossible to predict when you’ll need auto, home or life coverage, but it is important to prepare. Get started by learning more about each of these categories.

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Auto Insurance

One of the first things to know about auto insurance is that it isn’t just one type of coverage. There are four main parts of a policy:

Personal liability coverage for vehicle and property damages plus medical bills when you are the driver at fault
Uninsured / underinsured motorist coverage for when the driver at fault isn’t properly insured to cover your damages
Collision for damage from single- and multi-vehicle accidents
Comprehensive to account for mishaps like theft, fire, weather damage and animal incidents

Depending on your level of coverage, you have some control over your deductible and premium. However, when you add family members or buy a new vehicle, you will likely see cost increases.

Home Insurance

A homeowners policy usually covers your dwelling, personal property, liability and additional living expenses in case your home becomes uninhabitable. Your level of coverage should be adequate for the replacement cost of your home.

Just as important as what is included in your policy, you should know what it doesn’t cover. While you’re shopping for home insurance, see if you need additional protection from flood damage. Floods and earthquakes are common exclusions. Also, ask about covering pricier items, like jewelry and collectibles. Those may require a separate policy as well.

Life Insurance

While it’s not fun to think about, you want to be able to provide for your loved ones in the event of your death. To find the right fit, consider factors like income replacement, debts, mortgage, education expenses and future obligations. You’ll also need to understand the difference between term and permanent life insurance. Term is only for a specified period of time, while permanent offers lifetime coverage.

One of the most important questions on this topic is: “Who will need to be provided for?” Keep beneficiaries up-to-date based on life changes like marriage or the birth of a child.

The Credit Union Insurance Agency, LLC (‘CUIA’) is a wholly owned subsidiary of Members Resource LLC, a Credit Union Service Organization, a wholly owned subsidiary of Vantage Credit Union (‘VCU’). Business conducted with CUIA is separate and distinct from VCU. Insurance products offered by CUIA are (i) not deposits of any financial institution and therefore, are not NCUA or otherwise federally insured (ii) are not an obligation of or guaranteed by VCU. Any insurance required as a condition of an extension of credit by VCU, need not be purchased from CUIA and may be purchased from an agent or insurance company of the member’s choice. Coverages, discounts, special program rates or savings, billing options, and other features are subject to availability and individual eligibility. Savings are not guaranteed.