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INSURANCE

Coverage You Can Count On

We offer a full range of insurance options to cover what you love, when you need it. Dependable coverage ensures financial relief when you need it the most.

TruStage home insurance is underwritten by Liberty Mutual, one of the largest insurance providers in the country. By using TruStage for your insurance needs, you’ll have a policy you can have confidence in — as well as payments that can fit within your budget.

Guaranteed Asset Protection (GAP)

GAP is a non-insurance option that is designed to waive the remaining loan balance not covered by the borrower’s primary insurance carrier settlement in the event of a total loss or unrecovered theft. It is subject to limitations and exclusions, including, but not limited to, loan-to-value (LTV) maximum, delinquent payments, late charges, refundable service warranty contracts, and other insurance-related charges. In the event of needing to replace a vehicle, having GAP will provide you with a credit of $1,000 towards the replacement vehicle if financed with SMW 104 Federal Credit Union.

Mechanical Breakdown Protection (MBP)

Mechanical Breakdown Protection (MBP) coverage gives you peace of mind while driving down the road that you have protection against the high cost of auto repairs and labor for both mechanical and electrical vehicle failures. MBP not only repairs your vehicle but offers 24/7 roadside assistance and towing. Even when your vehicle’s warranty has expired, you are still covered through SMW 104 Federal Credit Union and MBP. Contact us today to find out how you can drive without worries!

Benefits of MBP:

  • 24/7 Roadside Assistance & Towing
  • Rental Car Allowance
  • Tire Protection
  • Trip Interruption Coverage
  • Consequential Damage Coverage

debt Protection

Life is often unpredictable. There is a wide range of unexpected events that could leave you and your family in a tough spot and unable to pay monthly bills. In the event of death, disability or unemployment, Debt Protection protects your family from taking on your loan payments.

With Debt Protection, your loan balance or monthly loan payments may be canceled without penalty or added interest.

  • In the event of death, it will cancel the remaining loan balance up to a maximum in the agreed contract.
  • If you become disabled, it will cancel up to a maximum number of loan payments based on the agreed contract.
  • In the event you become involuntarily unemployed, it will cancel up to a maximum number of loan payments based on the agreed contract.
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