Routing # 321076470

Home and Property Insurance

Protection for your most valuable asset – both inside and out.

Home and Property Insurance

Your home is most likely your most valuable asset – and an expensive one. Making sure you’re covered from weather events, theft, fire, and other damage is critical, but getting the right protection shouldn’t break the budget. It’s easy to get the protection you need to keep you, your family, and your belongings safe. In addition, most homeowners insurance policies carry liability coverage in case someone is injured on your property.

If you have a condominium, be aware that associations generally have only basic coverage on their policy, leaving it to residents to insure the inner walls and contents within their condo. You could also have to pay hotel bills if a fire or flood forces you from your home. Insurance may help protect you from some of these liabilities.

Whether you’re a new homeowner in need of an insurance checkup, a renter looking to protect your valuables, or you have a condo that requires extended insurance beyond a basic association policy, we have you covered. Plus, as a Patelco Credit Union member, you may qualify for discounted rates! Patelco offers home insurance through TruStage1 Insurance Agency, LLC and underwritten by Liberty Mutual Insurance.

Key Features


Extended coverage and bundled discounts available — protecting your home inside and out

Comprehensive coverage

Coverage available against theft, fire, weather events, onsite injuries, and more

World-class service

Dedicated 24/7 support


Customize the level of protection you need

Frequently Asked Questions

    Homeowners insurance is designed to limit your financial losses from weather events, theft, fire, and other damage. In addition, homeowners insurance often has liability protections in case someone has an accident while at your home.

    Coverage depends on many variables. Please call 888.380.9287 to get a customized quote.

    Condo association policies generally offer only basic protection. You may have to pay hotel bills if a fire or flood forces you from your home. And an association policy might not protect against liabilities, so if a guest sues following a slip and fall in your home, the legal costs may fall to you. Condo insurance can help mitigate some of this risk.

Let's invest in your future

Whether you’re comfortable investing on your own, want just a little help, or need a customized investment strategy, Patelco Financial Solutions2 can help you stay on the right track today – and tomorrow. We’ll even provide you with a complimentary financial consultation. Getting started is easy!

Learn more Let's invest in your future

Coverage for the unexpected

Patelco offers insurance solutions3 for every stage of life, so no matter where you or your family are at, we’ve got you covered. Learn more about how you can help protect yourself and those you love.

    Patelco helps you get ready for the unexpected with our Patelco Protection Plans. We know that life can come at you in the most unexpected ways; that’s why we offer protection plans to help you be financially prepared for anything that comes along. Are you ready for the expected?
    What if there’s an injury and you’re unable to work? Will your current coverage be enough? Or in the event of your unexpected death, will your family be able to keep up with everyday expenses and debt?
    It is possible to plan for the unexpected with our loan and payment protection plan that cancels your loan payments or balance, up to the contract maximums, if you suffer a covered unemployment, disability or pass away.
    But what if other unexpected expenses come along? Can you cover the gap?
    For example, getting a new vehicle is exciting, but it starts losing value the second you drive it off the lot. And if it gets wrecked or stolen you could owe more than your insurance will pay, and that gap could be thousands of dollars.
    For a one-time cost of $595, Guaranteed Asset Protection, or GAP Plus, can help reduce that gap and put you back where you belong – behind the wheel. It can be financed as part of your loan. This averages out to just over $8 per month over the course of a 5 year loan, giving you protection and can help provide you peace of mind.
    But what happens when those big repair bills come along?
    Mechanical Breakdown Insurance (MBI) can help make big repair bills a lot smaller. Just choose a plan and deductible to help reduce your out-of-pocket expenses on covered repairs and get additional benefits like roadside assistance, rental and travel expense reimbursement, and more. So when life throws you an unexpected curve – you can be covered.
    Ask a team member for a quote or learn more at

1 TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA.©2022 Liberty Mutual Insurance. AUT-5367290.1-1222-0224

2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Patelco Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

3 Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member’s choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products are offered by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance at

All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. Coverages and features are not available in all states. Eligibility is subject to meeting applicable underwriting criteria. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations.


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