For Members, Students, Tenants

Identity Theft Coverage

Helps protect individuals from the financial losses and other damages associated with identity theft. Identity theft occurs when someone steals another person’s personal information, such as their name, Social Security number, or credit card number, and uses it for fraudulent purposes, such as making purchases or opening new credit accounts in the victim’s name.

Identity theft coverage typically provides a range of services to help victims recover from identity theft, including:

• Fraud resolution assistance: Identity theft coverage may provide a dedicated case manager to help victims resolve issues related to identity theft, such as disputing fraudulent charges and repairing their credit.
• Reimbursement for out-of-pocket expenses: Identity theft coverage may provide reimbursement for expenses related to recovering from identity theft, such as lost wages, legal fees, and notary and certified mailing costs.
• Credit monitoring and identity theft alerts: Identity theft coverage may provide credit monitoring services and alerts to notify individuals of suspicious activity on their accounts or changes to their credit report.
• Education and prevention resources: Identity theft coverage may offer educational resources to help individuals prevent identity theft, such as tips for protecting personal information and best practices for online security.

Pet Insurance

Designed to help pet owners manage the cost of veterinary care for their pets. It typically works by reimbursing pet owners for a portion of the cost of veterinary care if their pet becomes ill or is injured.

Like other types of insurance, pet insurance policies vary in their coverage and cost. Some policies cover only accidents or injuries, while others cover a broader range of medical conditions, including illnesses and chronic conditions. Pet owners can typically choose from a range of coverage options, deductibles, and reimbursement rates, depending on their budget and their pet’s healthcare needs.

Pet insurance policies typically require pet owners to pay a monthly premium, as well as a deductible and/or co-pay for each vet visit. When a pet owner brings their pet to the vet, they pay the bill upfront and then submit a claim to their pet insurance provider for reimbursement.

Electronic Product Insurance

Covers accidental damage to electronic products such as smartphones, laptops, tablets, and other devices. It is designed to protect consumers from unexpected costs that may arise from accidents, such as dropping a device, spilling liquid on it, or other types of physical damage that can occur while using the device.

The insurance policy covers the cost of repair or replacement of the electronic device up to the policy limits. The premium for electronic product accidental damage insurance varies depending on the coverage limit. It is generally a good idea to purchase this type of insurance if you have an expensive electronic device that you frequently use or carry with you, such as, Personal Devices, Laptops, Tablets, Mobile Devices, Entertainment Devices, Gaming Systems, etceteras.

Home Warranty Coverage

Provides coverage for the repair or replacement of major systems and appliances in a home. Home warranty coverage typically lasts for a specific period, usually one year, and can be renewed annually.

The coverage provided by a home warranty can vary depending on the plan and provider, but generally, it includes the following:

• Appliances: Home warranty coverage may include repair or replacement of appliances such as refrigerators, ovens, stoves, and dishwashers.
• Electrical systems: Coverage may include repair or replacement of electrical systems, including wiring, circuit breakers, and outlets.
• Plumbing systems: Coverage may include repair or replacement of plumbing systems, including pipes, faucets, and toilets.
• Heating and cooling systems: Coverage may include repair or replacement of heating and cooling systems, including furnaces, air conditioners, and heat pumps.
• Roof and structural components: Coverage may include repair or replacement of the roof and other structural components of the home, such as the foundation and walls.

Electronic Product Insurance

Covers accidental damage to electronic products such as smartphones, laptops, tablets, and other devices. It is designed to protect consumers from unexpected costs that may arise from accidents, such as dropping a device, spilling liquid on it, or other types of physical damage that can occur while using the device.

The insurance policy covers the cost of repair or replacement of the electronic device up to the policy limits. The premium for electronic product accidental damage insurance varies depending on the coverage limit. It is generally a good idea to purchase this type of insurance if you have an expensive electronic device that you frequently use or carry with you, such as, Personal Devices, Laptops, Tablets, Mobile Devices, Entertainment Devices, Gaming Systems, etceteras.

Renters Insurance

Is designed to protect tenants or renters from financial losses due to damage to their personal property or liability for accidents that may occur in their rented home or apartment. Renters insurance typically provides coverage for a wide range of events such as theft, fire, smoke damage, water damage, and vandalism. It may also offer liability protection, which can help cover the cost of legal fees and damages if a visitor is injured in your rented property.

Deposit Waiver Insurance

Can be purchased by renters in lieu of providing a security deposit to their landlord. It provides the landlord with coverage in the event that the tenant fails to pay rent or causes damage to the rental property. With deposit waiver insurance, instead of paying a traditional security deposit, the renter pays a non- refundable fee to the insurance company to obtain coverage. The landlord no longer has to collect and manage deposits, the tenant doesn’t have to come up with a large lump sum, and both parties can avoid conflict. This fee is typically a percentage of the monthly rent amount and varies depending on the insurance company and the terms of the policy.

Group Auto Insurance

Typically provides coverage for a group of vehicles owned by members of the group, and may offer discounts on premiums due to the large number of policyholders. It can be a convenient option for employers who want to offer their employees a benefit package that includes auto insurance, or for organizations that want to offer their members a discounted rate on their insurance premiums.

Group Homeowners Insurance

Provides coverage for a group of homes owned by members of the group. It can be a cost-effective way for individuals to obtain insurance coverage for their homes and may offer discounts on premiums due to a large number of policyholders. Group homeowners insurance is often offered by associations or organizations that serve a specific community, such as homeowners associations or professional associations.