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  Homeowners and Auto Insurance
Auto Insurance

By investing a relatively small amount of money in auto insurance, you've assured yourself of a future. More than just a piece of paper, you've purchased yourself a sense of security and peace of mind. You realize that in the event of an accident or stolen car, you're not alone. Rather than deal with headaches and worries of "How am I going to pay this?" relief is just a policy and a phone call away.

Remember, automobile insurance is like any other insurance: it's designed to protect you. Just how much it protects you depends on what your policy includes and your personal needs.

Before you buy auto insurance, it's a good idea to get the basics of what it is. Sure, it may look like a simple sheet of paper with writing on it, but like all legally binding forms, it's more than what it appears to be. As a rule, you should always read your policy, cover to cover, including the dreaded "fine print". This will prevent any surprises in case you need to refer to it.

Homeowner's Insurance

A home is more than just a house. A home includes the pool in your backyard and your wedding ring. It also includes your family, their happiness and safety. Homeowners insurance allows you to do so with a sense of security, knowing that you'll always have a warm roof over your head.

A homeowners policy consists of 6 different parts and each part plays a different part in your coverage:

  1. House
    Depending on your type of policy and its coverage, this is how your house is or isn't covered.
  2. Other Structures
    For structures unattached to your house.
  3. Personal Property
    Coverage for personal belongings.
  4. Loss of Use
    In the event your home is damaged to the extent of being uninhabitable, this coverage will pay for living expenses away from home.
  5. Personal Liability
    Protects you from the liability claims should someone or something become injured or damaged by your property.
  6. Medical Expenses
    Helps pay medical bills of those injured on your property or through your personal activities.

Here are Some Basic Types of Homeowner Policies:

  • Basic Homeowner
  • Basic Homeowner Plus
  • Basic Homeowner (Older Home)
  • Condo/Co-Op Owner
  • Renter Coverage

Call today and check on discounts and FREE bonus coverages to save you money on your house and auto insurance:

  • Money Saving Discounts.
  • No-hassle Claim Filing
  • Easy Pay Options
  • Generous Protection.
  • 24-hour Claim Service
  • Free Bonus Coverages When You Insure Both Your House and Vehicle(s)

Contact Information:

1-800-982-0756 (Monday-Thursday, 8:30AM-8:00PM CST; Friday, 8:30AM-5:30PM CST)
Identify yourself as a Y-12 Federal Credit Union Member and give Y-12 ID# of 70791.
  • These products are NOT insured by NCUA, are NOT deposits, are NOT obligations of, or guaranteed by Y-12 Federal Credit Union and are
    subject to investment risks. Investment risk includes possible loss of the principal amount invested.
  • Securities transactions are executed through Financial Security Services, Inc.

Autos 2011-2017 as low as 2.74% APR
60-Month Certificate as high as 1.25% APY
Home Equity-Variable Interest Only as low as 4.00% APR
*Rates subject to change; certain restrictions apply.(1)APR (2)APY
NMLS #441816
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency
Member Cellular Discounts with Sprint
© 2016Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties.
All Rights Reserved.