Insurance

Find the right insurance coverage with Provident+

Provident+ Insurance Agency094

Provident+ Insurance is Provident Credit Union's wholly-owned insurance agency subsidiary. Provident+ works with highly-rated insurance companies, so you get access to great rates and save time because we do the shopping for you.  

Switch your existing insurance to Provident+ and you could save up to 30%.093

Disclosures

  • 093) Members may save up to 30% when they bundle their auto and home insurance policies.
  • 094) Insurance products offered through InsureOne Insurance Services America, LLC (CA Lic #0M04446) Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products are not available in all states. Actual policy premium may vary based on driving records, garaging address, vehicle type, insurance coverage selected and other underwriting factors. Other rates, service fees, restrictions and charges may apply.
  • 096) Reimbursement insurance, monitoring, and other ID Theft protection products provided by Zander Identity Theft Solutions, a trusted partner of Provident Credit Union. Insurance underwritten by Allianz Corp. Billing terms and conditions apply.
     
  • 214) Your purchase of Depreciation Protection Waiver is optional. Whether or not you purchase this product, it will not affect your application for credit or the terms of any existing credit agreement you have with us.
  • 216) All coverage is reduced by 50% at age 70 and older, regardless of age at enrollment. This plan may not be available to residents of all states.

    Franklin Madison Group LLC is the Plan Administrator.

    For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC. Underwritten by Minnesota Life Insurance Company.


    Minnesota Life Insurance Company is a member company of Securian Financial Group, Inc. Since 1880, Securian Financial Group and its affiliates have provided financial security for individuals and businesses in the form of insurance, investments and retirement plans.

  • Property insurance, including homeowners’ insurance, rental insurance, and more

  • Vehicle insurance, including auto insurance, motorcycle insurance, RV insurance, and more

  • Personal umbrella insurance that goes above and beyond the limits of your existing auto, homeowners or watercraft insurance

  • Commercial insurance, including apartment/condo building insurance, business insurance, workers comp, and more

  • Individual disability insurance that replaces a portion of lost income if you are unable to work due to sickness or injury

  • Pet insurance that helps you pay your veterinary bills

  • Special events insurance, in case of the unexpected on your wedding or other special day

Home, Auto, and Other Insurance

Whatever your insurance needs, Provident can help you.094

It's so easy to get your no-cost $2,500216 coverage for this accidental death and dismemberment insurance available through Minnesota Life Insurance Company. Then you can better help protect your family's financial future at group rates with up to $300,000216 more coverage.

Activate your $2,500 of no-cost coverage in just a few steps.
Get Started

Accidental Death & Dismemberment Insurance

Help protect your family's financial future.


Choose from 4 product packages:

  • Plan A: This plan protects both borrowers for Disability and Involuntary Unemployment.

  • Plan B: This plan protects both borrowers for Loss of Life, Terminal Condition, and Disability.

  • Plan C: This plan protects both borrowers for Loss of Life and Terminal Condition.

  • Plan D: This plan protects both borrowers for Disability, Involuntary Unemployment, Loss of Life and Terminal Condition.

​These plans are available when you are approved for an eligible Provident Credit Union loan. You can add them to an existing Provident loan by visiting a branch or contacting us at (800) 632-4600, option 3.

Credit Protection

Credit Protection can help you avoid the risk of delinquency, default, repossession, or damage to your credit rating. This voluntary product can cancel your loan balance or payments up to the agreement maximum for a specified time.
 What would you do if you or your spouse became disabled and needed care for an extended period of time?  While no one ever expects to need care, the financial, physical, and emotional impact of a long-term care situation can be devastating.  With long-term care costs approaching $75,000 to $100,000 a year in the Bay Area, a long-term care crisis can deplete the retirement nest egg you've built.  Fortunately, there are measures you can take today to protect against this eventuality.  That is why we are introducing a new long-term care program for members of Provident Credit Union.

This coverage is specifically designed to relieve the many hardships caused when you or your loved ones can no longer care for themselves. Provident offers this coverage through our Investment Services department. Our experienced financial consultants will help you better understand your options and determine if this coverage is appropriate for you and your family. Call (650) 508-7222 or (800) 656-4096

Long Term Care

You work hard to achieve a sense of independence, freedom and security; you also understand the value of planning ahead.

Features

  • Complete and Unlimited Restoration transfers the recovery work directly to a Certified Identity Theft Specialist available 24/7 365 days a year. 

  • ID Theft Insurance reimburses up to $1 million in stolen funds from your bank account and out of pocket costs.

  • Monitoring Alerts provide instant notification when your personal information is detected and at risk of identity theft. Alerts are sent to your email, smart phone, computer, or tablet.

  • Monthly Credit Score Tracking and Early Warning Identity Check

  • Personal Information and Change of Address Monitoring

  • Lost Wallet Protection

  • Home Title Fraud Protection

  • Senior Account Monitoring/Protection

  • $1 Million Reimbursement Insurance

Identity Theft Protection

Our robust Identity Theft Protection program096 provides the most comprehensive tools to help prevent identity theft. 

Your plan is determined by the year, make and model of your vehicle. All plans come with free roadside assistance benefits and a 60 day money back guarantee. 

Easy Street

Easy Street is available for vehicles 2006 and newer with under 85,000 miles and comparable to a factory warranty. Coverage terms range from 12 months/12,000 miles to 8 years/100,000 miles.

Main Street

Covers the cost of repair for the stated components of parts. Part include engine, transmission, drive axle, seals, gaskets, air conditioning, front suspension, steering, brakes, cooling, fuel delivery, electrical, and battery. Coverage terms range from 12/12,000 to 48/48,000, and miles are added to current mileage.

First Street

Covers the cost of repairs for the stated components of parts. Parts include engine, transmission, drive axle assembly, seals and gaskets, and 50% on cooling and electrical. Coverage terms range from 24/24,000 to 36/36,000, and miles are added to current mileage.

These plans are available when you are approved for an eligible Provident Credit Union loan. You can add them to an existing vehicle or Provident loan by visiting a branch or contacting us at (800) 632-4600, option 3

Mechanical Breakdown Insurance

Mechanical Breakdown Insurance (MBI) provides protection against expensive repair bills.
If your car is stolen or declared a total loss following an accident, your insurance will only cover the vehicle's value at the time of the accident. Guaranteed Auto Protection (GAP) helps to close that gap. This amount could be thousands of dollars. GAP offers protection from total loss or unrecovered theft. It pays all or a portion of the remaining balance due on your loan or lease beyond what your automobile insurance will pay. With GAP, you are covered for the entire term of your loan or lease. A separate cash payment is not necessary--simply add the cost of GAP (pennies per day) to your automobile loan/lease.

GAP is available when you are approved for an eligible Provident Credit Union loan. You can add it to an existing vehicle or Provident loan by visiting a branch or contacting us at (800) 632-4600, option 3.

Guaranteed Auto Protection (GAP)

GAP offers protection from total loss or unrecovered theft. 
 
It waives some or all of your loan balance in the event of the total loss of your vehicle. The waiver benefit is equal to the difference between your vehicle’s MSRP or retail value at the time of DPW purchase, less the amount of your loan balance at the time of total loss. 

The waiver benefit will not exceed the maximum benefit selected or the outstanding loan balance, whichever is less.

Depreciation Protection (DPW)

Depreciation Protection (DPW)214 kicks in if your vehicle is ever totaled or stolen and not recovered at anytime over the life of the loan.