• Protect one of your most valuable assets
  • Travel worry-free with the right coverage
  • Work with us to find the policy that fits you
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RCU Insurance Services provides a variety of insurance products to protect your vehicle today and into the future.

Learn more about our insurance offerings for personal and business use. 



RCU Insurance Services is a wholly-owned subsidiary of Redwood Credit Union. Insurance products are not deposits of Redwood Credit Union and are not protected by the NCUA. They are not an obligation of or guaranteed by Redwood Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Redwood Credit Union need not be purchased from Redwood Credit Union and may be purchased from an agent or an insurance company of the member's choice. RCU Insurance Services is a Redwood Credit Union company. Business conducted with RCU Insurance Services is separate and distinct from any business conducted with Redwood Credit Union. License no. 0D91054.

 

Auto Insurance

MBP

GAP

Purpose

Insures vehicle in the event of an accident or theft

MBP provides comprehensive coverage so you can avoid those unpleasant costs associated with vehicle repairs.

If an accident or theft leads to a total loss of your vehicle, GAP covers the difference between what you owe on the loan and what your insurance policy covers

Required Yes, every driver and owner of a motor vehicle in California must meet minimum limits of liability insurance

No

No 

 Used for

Repairs caused by an accident or other damage

We will pay or reimburse you for reasonable costs to repair or replace any mechanical or electrical part, minus any deductible. Replacement parts may be new, remanufactured or used parts of like kind and quality

When vehicle is declared a total loss by the insure company and the insurance payment doesn't cover the loan amount

 Options Variety of coverages 4 different options depending on needs Can cover vehicles or recreational vehicles (boats, motorhomes, motorcycles)

Get Started

    Auto, Motorcycle, ATV and RV

    RCU Insurance Services offers protection for you, your vehicles and your passengers by comparing rates among several carriers to deliver the best coverage and value.

    We’ll help you create an insurance plan for your automobile, motorcycle, ATV or RV.

    • Multi-car and multi-policy discounts
    • Good-driver discounts
    • Discounts for safety equipment

    Get a Quote

    California’s Compulsory Financial Responsibility Law

    Every driver and owner of a motor vehicle in California must meet minimum limits of liability insurance. Often, you need more coverage beyond these minimums.

    • $15,000 in bodily injury for the death or injury of any one person in any one accident
    • $30,000 in bodily injury for all persons in any one accident
    • $5,000 in property damage for any one accident

    If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

    Related Links

    Join RCU Today

    RCU Logo

    Welcome!

    Get started now

    Join Now OR Check Status

    If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

    Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

    Choose the Type of Term Life Insurance You Need

    Life Insurance

    To get a free insurance quote, please call us toll-free at

    1 (888) 888-0376
    Get a Quote

    Get a Life Insurance Quote

    To get a free insurance quote, please call us toll-free at
    1 (800) 779-5433.

    Choose Auto, RV or Boat Protection

    Get an Insurance Quote

    Choose the Type of Coverage You Need

    Auto Insurance  RV, Motorcycle/ATV or Boat

    Choose Which Type of Protection

    Get an Insurance Quote

    Choose the Type of Coverage You Need

    Travel  Event



    You are leaving the Redwood Credit Union Website

    You are leaving our website and linking to an alternative website not operated by us. Redwood Credit Union does not guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites. The vendor will gather essential personal information in order to provide you with a competitive policy quote.

    Call for a Quote

    To discuss coverage, please call us at:
    1 (800) 479-7928

    Get a Commercial Insurance Quote

    If you have any questions, or would like a quote, please call us at
    (866) 477-4225 or (707) 576-5115

    Login Help

    Need Help Logging in to RCU Online?

    If you’ve forgotten your RCU Online banking Username, password, or other login information, follow the directions below to get help now.

    Sign up today for RCU Online banking.

    enroll now

    Still need help?

    Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.

    Pollution Insurance

    Pollution insurance offers protection to business owners on multiple levels:

    • Covers all fines incurred due to pollution discharge that results in environmental damage
    • Reimburses reasonable and necessary cleanup costs associated with carrying out a government order following environmental damage
    • Covers costs associated with legal defense

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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    Products & Completed Operations Liability

    Products & Complete Operations Liability protects against financial loss for a manufacturer, merchant, contractor or distributor based on injuries or damages that result from using a covered product or performing a covered operation.

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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    Inland/Ocean Marine Insurance

    Inland/Ocean Marine policies cover items in transit as well as bridges, tunnels and other means of transportation and communication. The Ocean Marine policy provides coverage on all types of vessels, including liabilities connected to them, and their cargo.

    Numerous floater policies insure personal effects, personal property, jewelry, furs, fine art and other valuables.

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    Business Property & Income Insurance

    Business Property & Income coverage provides significant protection of multiple business assets.

    • Covers your building, equipment, furnishings, fixtures, inventory, computers, records and other valuables
    • Helps repair or replace your business location and its contents
    • May also help provide income if your business can’t operate for a period after a covered loss

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    Business Income Insurance

    Business Income insurance reimburses a business owner for lost profits and continuing fixed expenses if a business must close due to physical damage from a covered peril, such as fire.

    Also known as Business Interruption Insurance, this policy also may cover financial losses that occur if civil authorities limit or prohibit public access to the area in which the business operates following a disaster. Depending on your policy details, civil authorities coverage may start after a waiting period and last two or more weeks.

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115.

    Related Links

    Builder’s Risk Insurance

    Builders’ Risk policies cover buildings and structures under construction, remodeling or repair while protecting against damage from theft, fire, vandalism, wind and other accidental loss or damage.

    Coverage typically extends until the building or structure is completed and/or accepted by the owner.

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    Boiler & Machinery Insurance

    Boiler and Machinery policies provide coverage for losses stemming from the operation of pressure, mechanical and electrical equipment. Coverage includes the following:

    • Loss of the boiler and machinery itself
    • Damage to other property
    • Losses connected to business interruption

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    Surety Bonds

    Surety Bonds provide monetary compensation if a company fails to perform specified acts within a stated period. For example, the surety bond would be responsible for fulfilling a contract if a contractor defaults.

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    Fidelity Bonds

    Fidelity bonds may be used by employers to protect themselves against losses due to employees’ fraudulent activities. The majority of these policies are written on a blanket basis, though some scheduled policies are still available.

    • Coverage includes loss of money, securities and other property
    • Provides coverage for all employees, subject to the policy definitions
    • Limit of liability is “per loss” applied on an occurrence basis
    • All acts involving the same employee or group of employees are considered one occurrence

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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    Employee Benefit Liability

    Employee Benefit Liability coverage protects employers against claims by employees or former employees that result from alleged negligent acts or omissions in the administration of a company’s employee benefit programs.

    Coverage includes administrating plans such as these:

    • Employee counseling
    • Interpreting employee benefit programs
    • Handling records
    • Timely enrolling, terminating or canceling employees in specified plans

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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    Employment Practices Liability

    Employment Practices Liability covers business owners, managers, supervisors, directors, officers and employees are covered against claims resulting from multiple allegations such as these:

    • Wrongful termination
    • Discrimination
    • Sexual harassment
    • Wrongful discipline
    • Failure to employ or promote

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    Directors’ and Officers’ Liability

    Directors’ and Officers’ Liability policies protect associations and corporate officers, managers and directors against claims from shareholders, government agencies, employees and other parties alleging mismanagement.

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    Errors & Omissions/Professional Liability Insurance

    Errors & Omissions/Professional Liability Insurance protects businesses against loss due to a claim of negligence, error or omission by the business.

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    Workers’ Compensation

    Most states, including California, require Workers’ Compensation coverage for employees to provide benefits for job-related injuries or illnesses.

    This policy protects you and your company by eliminating lawsuits related to these specific injuries or illnesses.

    If you have questions about the coverage requirements in California, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    General Liability

    General Liability policies typically address claims that arise out of an insured person’s or business’ liability for injuries and/or property damage caused by multiple factors:

    • Ownership of property
    • Manufacturing operations
    • Contracting operations
    • Sale or distribution of products
    • Operation of machinery

    If you have any questions, please call us at (707) 576-5115. 

    Related Links

    Garage Liability

    Garage Liability coverage is tailored for businesses specializing in vehicle sales and repairs. It covers auto salesrooms, used-car lots, service stations and repair garages for bodily injury and property damage.

    Premiums are based on the payroll of the business.

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    Fiduciary Liability

    Fiduciary Liability policies (also known as Pension Trust Liability Insurance) protects against losses for any alleged wrongful act by the person or business that is insured or any person for whom the insured person or business responsible and covers any defense costs connected with covered claims.
    The policy, written on a claims-made form, covers these wrongful acts:

    • Any violation of the responsibilities, obligations or duties imposed on fiduciaries by the Employee Retirement Income Security Act (ERISA)
    • Acts, errors and omissions in the plan administrator’s performance of duties

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    Commercial Auto

    Just like a personal auto insurance policy, a commercial auto policy protects your company’s important assets on the road.

    RCU Insurance Services can help you develop a policy that covers your company’s needs with a variety of auto liability, medical, uninsured motorist, collision and comprehensive coverages and deductibles.

    Whether you maintain one vehicle or a fleet for your business, a commercial policy is more prudent than covering the vehicles with a personal policy.

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

    Related Links

    Business Owners’ Policy

    The Business Owners’ Policy is a package policy that provides property and liability coverage exclusively for small- and medium-sized businesses.
    Businesses must meet certain criteria to be eligible for this coverage, and insurers consider multiple factors for eligibility and premiums:

    • Size of the premises
    • Required limits of liability
    • Type of business
    • Extent of off-site activity
    • Business location
    • Financial stability
    • Building construction
    • Security features
    • Fire hazards

    This policy includes multiple coverages, such as money and securities, signs, business interruption, loss of refrigeration and much more.

    If you have any questions, please call us at (866) 477-4225 or (707) 576-5115.

    Related Links

    Deposit Insurance

    All of your Redwood Credit Union deposits are insured to at least $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), a division of the National Credit Union Administration (NCUA).

    This deposit insurance is the strongest available, backed in full by the U.S. government. No Member of a federally insured credit union has ever lost even a single penny of insured savings.

    Great news! Funds in your non dividend bearing checking accounts with RCU have unlimited federal deposit insurance through December 31, 2012!

    Notice of Changes in Temporary NCUA Insurance Coverage for Transaction Accounts

    All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules.

    The term “noninterest-bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money market deposit account, and Interest on Lawyers Trust Account (“IOLTA”), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.

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    Umbrella Policies

    Ready to Get Started?

    Get a Quote

    You can use an umbrella policy to supplement your auto and homeowners policy to cover any legal fees and settlement costs if you are a defendant in a personal injury or property damage lawsuit.

    • $1 million to $5 million in additional coverage is available
    • Save your family from financial disaster
    • Umbrella policy takes over after your other policies reach their limits

    If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

    Related Links

    Accidental Death & Dismemberment Insurance

    Term Life Insurance

    A term life policy typically covers you for 1, 5, 10 or 20 years to ensure that your family can manage living expenses (such as paying the mortgage, paying ongoing living expenses or funding college educations) if you pass away with outstanding debts or young children.

    Ready to Get Started?

    Call us at 1 (800) 479-7928.

    If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

    Related Links

    Identity Theft Insurance

    We’re committed to protecting you against identity theft, the fastest-growing crime in America. So we partnered with Identity Fraud Inc., to provide the best identity protection.

    • Specializes in educating and training people on what to do to protect themselves
    • Helps Members restore their identity when they are victimized
    • Offers great terms and conditions and fewer exclusions

    Redwood Credit Union Members receive a discounted price by using the code “RCU Member” during check-out.

    If you have any questions, please call us toll-free at 1 (866) 443-3728 / (866) 4-IDFRAUD. 

    Sign up now to protect your identity with Identity Fraud Inc.

    Sign Up

    Related Links

    Travel Insurance

    RCU Insurance Services helps both U.S. citizens and visiting foreign nationals obtain the insurance they need for medical and travel-cost coverage.

    We offer a variety of plans through Seven Corners.

    • Medical insurance for U.S. citizens traveling overseas and foreign nationals visiting the U.S.
    • Trip insurance to cover costs and your luggage while traveling
    • Annual/multi-trip travel coverage to protect you anytime you’re outside of your country
    • Medical coverage for students, faculty and scholars traveling abroad
    • Special medical coverage for missionaries
    If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120. 

    Ready to get started?
    Get a Quote

    Related Links

    Wedding and Event Insurance

    Any wedding and event planning should include a solution for the unexpected setback. Through RCU Insurance Services, you can safeguard your investment through the Travelers’ Wedding Protector Plan.

    With premiums starting at $160, you can cover a variety of contingencies:

    • Cancellation or postponement
    • Additional related expenses
    • Wedding photography and video
    • Wedding gifts
    • Special jewelry
    • Lost deposits
    • Liability insurance (optional coverage)

    Ready to purchase or learn more about the Wedding Protector Plan from Travelers?

    Learn Moreabout wedding and event insurance

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    Pet Insurance

    You love your pets and will do anything to ensure their health. Redwood Credit Union makes it easier to pay for their medical bills through a pet health insurance plan.

    The coverage is comprehensive, simple to understand and easy to use.

    • Access the latest in veterinary medicine
    • Covers everything from regular exams to treatment for injuries and illness
    • RCU Members receive a 5% group discount

    Ready to get a quote?

    Get a Quote

     

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    Guaranteed Asset Protection

    If an accident or theft leads to a total loss of your vehicle, GAP covers the difference between what you owe on the loan and what your insurance policy covers. This coverage can save you thousands of dollars.

    • Protects new and used vehicles valued up to $100,000
    • One-time cost of $299 for autos, slightly higher for motorcycles, boats and RVs
    • Can cover up to two skipped payments
    • Waives losses up to $50,000
    • Receive a $1,000 loan credit when you finance your replacement vehicle through RCU
    How GAP Works
    Loan amount: $25,000
    Term: 60 months
    Loss date: 36 months
    Loan payoff: $15,000
    Insurance settlement: $12,000
    GAP (deficiency): ($3,000)
    GAP payment to Credit Union: $3,000
    Out-of-pocket expense: $0

    For more information or to purchase GAP coverage, please call 1 (800) 479-7928, send an email to RCUInsuranceServices@redwoodcu.org, or visit your nearest Redwood Credit Union branch. To purchase GAP coverage, you may also print out and complete this form and bring it to any branch or fax to (707) 522-6851.

    Related Links

     

    Payment Protection

    Prepare for the unexpected with this voluntary loan-payment protection product that eases financial stress for you and your family if something happens to you.

    • Avoid delinquency, default or foreclosure
    • Cancel or reduces repayment of your loan debt
    • Protected events include involuntary unemployment and loss of life or disability, including those caused by acts of war

    Get peace of mind for you and your family by going through our easy enrollment process. Please call Redwood Credit Union at 1 (800) 479-7928.

    Collateral Protection

    This force-placed insurance covers the collateral of a loan at a lending institution, usually an automobile. This insurance does not protect motorists and therefore, does not meet California’s legal requirements for motorists.

    You can avoid the need for Collateral Protection by providing RCU with a copy your insurance coverage information for your home, auto, motorcycle, RV, trailer or boat.

    First Mortgages
    Redwood Credit Union
    Its Successors And/Or Assigns
    PO Box 961292
    Fort Worth, TX 76161-0292
    Fax: 1 (855) 640-4865

    Second Mortgages
    Redwood Credit Union
    Its Successors And/Or Assigns
    PO Box 6104
    Santa Rosa, CA 95406
    Fax: 1 (877) 716-4692

    Vehicle Loans
    Redwood Credit Union
    PO Box 6104
    Santa Rosa, CA 95406
    Fax: 1 (877) 716-4692

    Please verify that we received a copy of your insurance policy by calling 1 (866) 877-3373 (for vehicle loans and second mortgages/home equity loans) or 1 (866) 669-8615 (for first mortgages).

    Related Links

    Marine Insurance

    A policy for boats and personal watercraft (such as Jet Skis and Ski-Doos) insures you against most risks of ownership and operation.

    • Protects your boat/watercraft and its motor, trailer and cargo, including fishing equipment
    • Protects you, the owner, against liability of bodily injury or property damage to other people while you’re operating your boat/watercraft

    Our Insurance Specialists are ready to offer you a free online quote after they search dozens of insurance carriers for the best price for your policy. Please ask about multi-policy discounts and billing options, too.

    Get a Quote

    If you have any questions, please call us toll-free at 1 (866) 477-4225 or locally at (707) 576-5120.

    Related Links

    Mechanical Breakdown Protection (MBP)

    MBP provides comprehensive coverage so you can avoid those unpleasant costs associated with vehicle repairs.

    We will pay or reimburse you for reasonable costs to repair or replace any mechanical or electrical part, minus any deductible. Replacement parts may be new, remanufactured or used parts of like kind and quality.

    Simply choose the plan that best fits your needs for parts coverage:

    Standard 

    • Engine (including diesels)
    • Turbocharger or supercharger (if factory-installed)
    • Transmission (automatic or standard)
    • Transfer case
    • Drive axles (front and rear)

    Classic

    • Everything listed under our Standard policy
    • Steering
    • Brakes
    • Electrical
    • Air conditioner
    • Front and rear suspension

    Elite

    • Everything listed under our Standard and Classic policies
    • Fuel delivery
    • Cooling
    • Enhanced electrical

    Premier

    • Everything listed under our Standard, Classic and Elite policies
    • Luxury package, factory-installed
    • Interior and exterior appointments

    For more information and contract-specific terms and conditions, please call us at
    1 (800) 479-7928.

    Related Links

    Join RCU Today

    RCU Logo

    Welcome!

    Get started now

    Join Now OR Check Status

    If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

    Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

    Choose Account Type

    RCU Logo

    Welcome!

    Choose the Type of Account You Wish to Open

    Personal  Youth

    Already Started?

    To complete your application, log in

    If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

    Login Help

    Need Help Logging in to RCU Online?

    If you’ve forgotten your RCU Online banking Username, password, or other login information, follow the directions below to get help now.

    Sign up today for RCU Online banking.

    enroll now

    Still need help?

    Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.