There really is no place like home, keep yours protected
Our homes, and the valuables we keep in them, are the largest investment many of us will ever have and no two homeowners’ insurance policies are created equal. Different companies offer different levels of coverage, endorsements and riders, and conditions and limitations. This is where CUIA, as an independent agency, can help you find the right insurance company and coverage for when the unthinkable happens.
Does your policy have you covered beyond the basics?
- Water backup
- Valuable articles
- Equipment breakdown
- Matching of undamaged roof and siding
- Identity recovery
- Refrigerated products
- Buried utility lines
- Personal injury
Protect what’s yours
Are you just starting out? Between homes? Empty nester ready to downsize? Let CUIA help you pick the renters insurance coverage that best suits your needs.
Your landlord will most likely have landlord insurance to cover the dwelling itself, but many rental properties require you, as the renter, to carry a policy that protects your own space and valuables.
Coverage can include replacement cost on personal property, additional living expenses should you be displaced due to a covered loss, and liability to protect you and your guests in the event something unexpected occurs.
Incidents covered include things like:
- Bodily injury
How well is your investment protected?
While protecting the rental dwelling itself is critical, you may also want coverage for other structures, including a garage or shed, and any personal property you provide for your tenant's use, such as household furnishings and appliances.
Aside from the practical, one of the biggest risks landlords face is the liability for losses that occur on their rental property. Landlord protection liability insurance can provide you the peace of mind and security you need by protecting you and your
spouse or domestic partner against claims of personal injury, wrongful eviction, wrongful entry, and other non-bodily injury claims such as libel and slander.
Coverage by landlord protection liability insurance can include:
- Fire/smoke damage
- Lightning strikes, windstorms, hail
- Damage caused by the weight of snow or ice
- Falling objects
Ensure your condo coverage meets your needs
Low maintenance living has many perks! Your condo association will cover the outside physical building structure, common areas, and the unit owners' collective liability. However, that policy may not cover damage to your personal belongings or property
within your unit caused by vandalism, theft or fire. Nor does it cover your personal liability in the event of a lawsuit.
If common areas of the property are damaged, your condo association could levy assessments against all the owners to pay the deductible on their master association policy. Be sure to consult your condo agreement to determine what their policy covers—any gaps could be your responsibility.
Standard and optional condo insurance coverage can include:
- Personal property
- Loss of use
- Personal liability
- Medical payments
- Water backup
You have needs. We have solutions.
Work with the best independent insurance agency in the Greater St. Louis area!
Unlike a captive or direct insurance company that only offers their own proprietary products, CUIA (Credit Union Insurance Agency) is 100% independent of any one company. Many insurance consumers don’t fully understand just how important that really is.
Insurance is important, and it’s imperative to work with insurance professionals who have an in-depth knowledge of multiple insurance products, companies, and guidelines—not just one. At the end of the day, what separates one agent from another is their ability to proactively serve their policy holders, and their knowledge of the insurance industry, products, and different situations that may present themselves to their clients.
Serving members locally in St. Louis, St. Charles, and surrounding counties.
We offer a special program with discounted rates for credit union members!
We offer a one-stop shop for your insurance needs and the ease of doing all of your business with one financial institution.
We represent a number of highly-rated insurance companies to find the best combination of price, coverage and service.
We act as your trusted advisor to design personalized insurance plans that fit your individual needs and budget.
The Credit Union Insurance Agency, LLC (‘CUIA’) is a wholly owned subsidiary of Members Resource LLC, a Credit Union Service Organization, a wholly owned subsidiary of Vantage Credit Union (‘VCU’). Business conducted with CUIA is separate and distinct from VCU. Insurance products offered by CUIA are (i) not deposits of any financial institution and therefore are not NCUA or otherwise federally insured and (ii) are not an obligation of or guaranteed by VCU. Coverages, discounts, special program rates or savings, billing options, and other features are subject to availability and individual eligibility. Savings are not guaranteed.
Licensed in Missouri, Illinois, and Kansas