Members Auto & Homeowners Insurance

As a credit union member, you''re part of a special group of people that can enjoy the benefits of MEMBERS® customized auto and homeowners insurance protection--all at competitive group rates. CUNA Mutual Insurance Agency, Inc., an agency owned by Americas credit unions, has teamed with one of the largest property and casualty insurers in the country--Liberty Mutual Group--to offer credit union members quality insurance products. MEMBERS® Auto Insurance includes additional discounts based on your driving record, age and auto equipment. Coverage also includes 24-hour claims service, seven days a week and 24-hour roadside assistance. In addition to auto insurance, you can protect your home and property with MEMBERS® Homeowners Insurance. Premiums can be deducted automatically from your HRCCU account--with no initial payment required and no finance charges. Or, you may be billed at your home with no finance charge and a small initial payment. Because you may choose a policy that's issued for 12 months your rates are guaranteed for a full year. For a FREE RATE QUOTE, all you need to do is pick up the phone and dial toll-free 1-888-380-9287. The best way to compare MEMBERS® Auto and Homeowners Insurance with your current coverage is to have your policy handy when you call.

You trust Hudson River Community Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS®Auto and Homeowners Insurance Program.

• MEMBERS® Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
• Convenient e-service, pay your bill or make changes to  your policy, even report a claim.
• Receive fast, easy access to claims service 24 hours a day.
• Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

The MEMBERS® Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

Gap Protection

If your vehicle is a total loss through either theft or accident, will you receive full compensation from your existing insurance policy? Probably not. In fact, the value an insurance company places on your car is often much less than the outstanding loan balance you owe. This difference between the amount you owe, less your deductible, and what the insurance company pays for your wrecked or stolen vehicle is the "GAP." If your car was declared a total loss, you would be responsible for this "GAP" -- which can amount to thousands of dollars! The solution, GAP Protection. GAP Protection will pay off your remaining loan balance when the insurance settlement for a total loss is less than what you owe, minus any deductible, past due payments and fees. For more information and a free brochure, complete HRCCU's on-line Brochure Request Form. Or call, visit or fax any of our four locations in Corinth, Glens Falls, Cohoes and Troy.