PDCU Member Benefit: TruStage® Home Insurance
TruStage® Home Insurance gives credit union members a way to explore coverage options that can help protect a home and what’s inside it. Whether you own or rent, you can review policy features and request a quote based on your property, location, and coverage preferences.
Coverage Options You Can Explore
- Protection that may help cover damage or loss from covered events
- Options that can include personal property and liability coverage
- Flexible choices to fit homeowners and renters
- Additional endorsements may be available depending on your situation
Built for the Realities of Homeownership (and Renting)
Home insurance needs can look very different depending on where you live, the type of home you have, and the value of your personal belongings. Whether you own a single-family home, a condo, or you rent, the right coverage helps you prepare for the unexpected and protect what you’ve worked hard to build.A no-obligation quote lets you compare coverage options, explore available add-ons, and understand the protections that may best fit your property, budget, and day-to-day life. It’s a simple way to make sure your coverage aligns with your household today — and can adapt as your needs change over time.Get a Quote
Potential Ways to Save
Discount availability can vary by state and eligibility. If you also carry a qualifying auto policy, you may be able to reduce your overall insurance costs through a multi-policy discount.
Get a Quote
Why Choose TruStage® Home Insurance?
Whether you own a home or rent, TruStage has you covered. The TruStage Home Insurance Program offers a range of coverage options, including protection against fire, weather, theft, and more. Additionally, you’ll be covered for liability if an accident happens on your property.
Here’s what TruStage offers for PDCU members:
- Affordable Coverage: Designed with credit union members in mind, TruStage offers competitive rates that fit your budget.
- 24/7 Claims Support: Whether a weekday or a holiday, TruStage offers round-the-clock claims service, with many claims settled on the spot.
- Popular Member Benefits:
- Potential Savings: Special discounts for PDCU members*.
- Multi-Policy Discounts: Save even more when you bundle your auto and home insurance policies.
- Burglary/Fire Alarm Discounts: Additional savings for having security systems in place*.
- Inflation Protection: TruStage ensures you get today’s value for your belongings*.
- Temporary Housing Assistance: Coverage for when you need a place to stay due to an emergency.
Get a Free Quote Today
Don’t wait—protect your home and belongings with the reliable coverage you deserve. Getting a free quote is easy, and you could start saving today.
Get your free, no-obligation quote
Your Home Deserves the Best Protection
Don’t leave your most valuable assets unprotected. Choose TruStage® Home Insurance for peace of mind at an affordable price.
Disclosures
TruStage® Auto Insurance Program is made available through TruStage Insurance Agency, LLC, PO Box 61, Waverly, IA 50677-0061, and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts to vary by state. 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 coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by your credit union.
© TruStage Insurance Agency 2021 AUT-2948376.1
How TruStage® Home Insurance works
TruStage® Home Insurance is made available to credit union members through TruStage Insurance Agency, LLC and issued by leading insurance companies. You can request a quote, compare available coverage options, and choose whether to move forward.
There is no obligation to purchase after requesting a quote. Applicants are individually underwritten, and not all applicants may qualify.
Best for
TruStage® Home Insurance may be helpful when you want to review coverage options for your home, condo, rental, or personal belongings.
- Members buying a home
- Homeowners reviewing current coverage
- Condo owners comparing policy options
- Renters protecting personal belongings
- Members refinancing a mortgage or home equity loan
- Households that may qualify for available multi-policy discounts
Home insurance coverage to review
Home insurance coverage can vary based on your property, location, policy type, coverage limits, deductibles, and insurance carrier. When comparing quotes, it helps to understand what each type of coverage may do.
| Coverage Type | What It May Help Cover |
|---|---|
| Dwelling coverage | The structure of your home if it is damaged by a covered event, subject to policy limits and terms. |
| Personal property coverage | Belongings such as furniture, clothing, electronics, and appliances if they are damaged or stolen in a covered event. |
| Liability coverage | Costs related to certain injuries or property damage for which you may be legally responsible. |
| Additional living expense coverage | Temporary housing or related costs if a covered event makes your home unlivable. |
| Endorsements or add-ons | Optional coverage that may be available for specific needs, such as certain valuables, water backup, or other risks. |
Homeowners, condo, and renters insurance
Home insurance needs can look different depending on where you live and what you own. When you request a quote, choose the option that best matches your housing situation.
| Policy Type | Best For | What to Review |
|---|---|---|
| Homeowners Insurance | Members who own a house | Dwelling coverage, personal property, liability, deductibles, and coverage limits. |
| Condo Insurance | Members who own a condo | Interior coverage, personal belongings, liability, loss assessment, and what the condo association policy covers. |
| Renters Insurance | Members who rent a home or apartment | Personal belongings, liability coverage, temporary housing, and coverage limits. |
Replacement cost vs. actual cash value
When comparing home insurance options, ask how your belongings and property may be valued after a covered loss. Replacement cost and actual cash value can lead to different claim outcomes.
Replacement cost coverage may help pay to replace damaged property with similar new property, subject to your deductible, policy limits, and policy terms. Actual cash value generally factors in depreciation, which may reduce the amount paid for older belongings.
An insurance professional can help explain how these options may apply to your home and personal property.
What can affect your home insurance quote?
Home insurance pricing is based on several factors. Your quote may change based on your property, coverage selections, deductible, claims history, available discounts, and insurance carrier.
- Property location
- Home age, size, construction, and condition
- Roof age and major home systems
- Coverage limits and deductible selections
- Personal property coverage needs
- Claims history
- Security systems, fire alarms, or other qualifying features
- Available multi-policy discounts
Before you get a quote
Having a few details ready can make the quote process easier.
- Property address
- Home type, year built, and square footage
- Roof age and major updates, if known
- Estimated value of personal belongings
- Current insurance policy, if available
- Mortgage or lender information, if applicable
- Questions about deductibles, coverage limits, or add-ons
Buying or refinancing a home?
If you are buying or refinancing a home, home insurance should be part of your planning. Your mortgage lender will likely need proof of acceptable homeowners insurance before closing.
Getting a quote early can help you estimate your full monthly housing cost and avoid delays during the mortgage process.
How to get a home insurance quote
You can start with a quick, no-obligation quote through TruStage® Home Insurance. After entering your information, you can review available coverage and pricing options.
- Start your quote online
- Enter property and household information
- Review available coverage options
- Compare pricing, deductibles, and limits
- Choose whether to move forward
Membership and eligibility
Home insurance options through TruStage® are available to People Driven Credit Union members. Membership is open to those who live, work, worship, or attend school in Michigan, plus relatives of current members.
A $5 Membership Share Savings deposit establishes membership. Insurance availability, coverage, discounts, and eligibility are determined by the insurance provider and may vary by state, property, policy selection, and underwriting requirements.
Insurance products are not deposits, are not federally insured, are not guaranteed by People Driven Credit Union, and may be subject to risk.
Frequently asked questions about home insurance
People Driven Credit Union members can access home insurance options through TruStage® Home Insurance. TruStage® Home Insurance is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies.
No. You can request a no-obligation quote and decide whether the available coverage and pricing options fit your needs.
Coverage options may be available for homeowners, condo owners, and renters, depending on your property, location, insurance carrier, and eligibility.
Home insurance may help cover damage to your home, personal belongings, liability, and temporary living expenses after a covered event, depending on your policy terms, limits, and exclusions.
Flood coverage is typically not included in many standard homeowners insurance policies. Ask your insurance professional whether separate flood insurance or additional coverage may be needed for your property.
Replacement cost coverage may help pay to replace damaged property with similar new property, subject to your policy terms. Actual cash value generally factors in depreciation, which may reduce the amount paid for older belongings.
Yes. If you are buying or refinancing a home, your lender will likely need proof of acceptable homeowners insurance before closing.
No. Home insurance is not a deposit, is not federally insured, and is not guaranteed by People Driven Credit Union.
You can start online through the TruStage® Home Insurance quote link and review available coverage and pricing options.
Disclosures
TruStage® Home Insurance is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten, and not all applicants may qualify. Discounts are not available in all states, and discounts vary by state.
Please consult your policy for specific coverage, exclusions, limitations, deductibles, and claim requirements.
The insurance offered is not a deposit, is not federally insured, is not sold or guaranteed by People Driven Credit Union, and may be subject to risk.
