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

Home, Auto, and Other Insurance

Whatever your insurance needs, Provident can help you:

  • 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

 


 

Life Insurance

If you’d like your family to be better protected, we’d like to help. Together with our partner LifeHelp095, we want to make it as easy as possible for you to shop for the life insurance you need to protect your loved ones.

It's easy and affordable to arrange coverage to:

  • Pay for final expenses, such as funeral and medical bills

  • Allow your family to continue living in their home or apartment

  • Ensure your children can still receive the education you want for them

  • Pay off outstanding credit cards, and personal or business loans

  • Leave your family better able to face all of life’s many expenses

​Apply online or call LifeHelp at (800) 345-4543
 

Credit Protection

Credit Protection can help you avoid the risk of delinquency, default, repossession, or damage to your credit rating should you become ill or injured. This voluntary debt cancellation product can cancel your loan balance or loan payments up to the agreement maximum for a specified amount of time.

Choose from 3 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.


​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.

Long Term Care

You work hard to achieve a sense of independence, freedom and security; you also understand the value of planning ahead.  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, an unexpected long-term care crisis can quickly deplete the retirement nest egg you've worked so hard to build.  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, with experienced financial consultants to 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

Identity Theft Protection

Our robust Identity Theft Protection program096 provides you the most comprehensive and affordable tools to help prevent becoming a victim of identity theft. Some of the plan features include:

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

  • $1 Million Reimbursement Insurance

Mechanical Breakdown Insurance

Mechanical Breakdown Insurance (MBI) provides protection against expensive repair bills. 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 of engine, transmission, drive axle, seals and 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 of 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

Guaranteed Auto Protection (GAP)

GAP offers protection from total loss or unrecovered theft. 

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.

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