UHCU Insurance Services
At UHCU Insurance Services, a United Heritage Credit Union partner, it is our sole purpose to make you feel like a member of our family. In doing so, it is our mission to protect your loved ones by offering you the best insurance coverage options at the most affordable price with service beyond your expectations.
Homeowners Insurance Information
What is homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered, but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
What things should you consider and questions should you ask your agent?
Here are few things to discuss with your agent that will influence your decisions.
- How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What discounts are available? Ask about multiple policy, security system and fire resistance discounts.
- What's the process for filing and settling a claim? Ask who to call and what happens after you file a claim.
Why do you need homeowners insurance?
It is about protecting yourself financially if something unexpected happens to your home or possessions. That's important because your home is likely one of your largest investments.
- If your home was destroyed by a fire or damaged by a natural disaster, you'd need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered, and be sure to read your policy so you know exactly what's included and what's not.
We're here to help.
Monday-Friday: 8:00 AM - 5:00 PM
UHCU Insurance Services, LLC is a Credit Union Service Organization. Business conducted with UHCU Insurance Services, LLC is separate and distinct from any business conducted with United Heritage Credit Union, its parent Credit Union. Insurance products offered by UHCU Insurance Services, LLC are not (i) deposits of United Heritage Credit Union, its parent Credit Union or its partner Alloy Insurance Partners, therefore are not protected by the NCUA and are not exclusive to Credit Union members and (ii) an obligation of or guaranteed by UHCU Insurance Services, LLC, its parent Credit Union or its partner and may be subject to risk. UHCU Insurance Services offers coverage for Texas residents only. Any insurance required as a condition of an extension of credit by United Heritage Credit Union need not be purchased from UHCU Insurance Services, LLC and may be purchased from an agent or insurance company of the member’s choice.