Loan Insurances

TruStage Auto & Home Insurance Program

Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.



Debt Protection Coverage

Preserve your standard of living.
Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen... life happens. You're betting you can pay back your loan and you won't lose your job (to no fault of your own), or become disabled (due to injury or illness), or pass away, leaving your family responsible for your loan balance. Life events can cause financial hardship, making bill-paying difficult. You don't want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.

Help play it safe.
Neighbors Credit Union Debt Protection Coverage is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. And, simple eligibility requirements ease the enrollment process.

Protection that matters.
If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Debt Protection Coverage will cancel or reduce repayment of your loan debt-helping to lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging.

  • Protected events include:
  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Debt Protection Coverage is a debt protection product offered by Neighbors Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. Please contact Neighbors Credit Union for additional information on benefit maximums, eligibility, limitations, and a copy of your contract.


Guaranteed Asset Protection (GAP)

GAP will protect you from serious financial loss in case your vehicle is damaged beyond repair or stolen. GAP will pay the difference between your insurer's settlement and your loan balance. You can sign up for GAP when applying for your vehicle loan and the cost can be rolled into your monthly loan payment. Protect your family, your vehicle, and your credit rating with GAP!


Mechanical Repair Coverage (MRC)

For a few dollars a month, you can protect your vehicle and your finances from the cost of unexpected, covered breakdowns (engine, transmission, steering, brakes, electrical, and more). Plus, have peace of mind with the plan's 24-hour roadside assistance, towing, emergency travel expense and rental reimbursement.

Some restrictions apply. For example, the plan does not cover pre-existing conditions, commercial vehicles, salvaged or rebuilt vehicles, or trucks over one ton. See branch for more details.


Insurance Proof Submission

Maintaining insurance is a requirement of your loan and is described in your loan agreement. You can verify your insurance coverage easily and securely by clicking here.