Customized Coverage for Life’s What-Ifs 

Auto insurance can help protect you and your vehicle from accidents, theft or other unexpected events. Coverage options often include:

• Liability: Pays for injuries or property damage to another motorist if you’re at fault.
• Collision: Helps repair your car after a collision with something that wasn’t falling, flying or an animal.
• Comprehensive: Helps pay for non-collision damage and losses to your car from things like hail, deer and floods.
• Personal injury protection: Helps cover medical bills for you and your passengers.
• Uninsured/underinsured motorist: Helps pay for damages caused by another motorist who lacks adequate coverage.
• Gap insurance: Helps pay the difference between what you owe on a financed or leased vehicle and what the car is worth if totaled.

“Full coverage” is a common phrase, but it doesn’t mean your vehicle is covered for everything. Usually, it means you have both collision and comprehensive coverage. 

With homeowners insurance, you’ll typically choose from: 

• Replacement cost: Helps pay the full cost to replace damaged or stolen items up to your policy limit. It can help you get back on your feet sooner, but the premiums are generally higher. (If you have a mortgage, this policy will be required.) 
• Actual cash value: Pays only what the item was worth at the time of loss (typically with lower premiums but less coverage). This plan may work better if you don’t plan to rebuild or replace.

If you have a policy through Dupaco Insurance Services, you can file your claim here.

If your home has been damaged by a natural disaster, document the damage and contact your agent promptly. These tips can help you know what to expect during the claims process.

Life insurance helps protect the people who depend on you financially. It can help cover: 

• Funeral costs
• Outstanding debt and ongoing living expenses
• Continuing a family business or education needs
• Income replacement 
• Long-term care

It depends on your situation. For young families, coverage may need to be 10x your annual income to support a spouse and children through major milestones. Consider debts, ongoing living expenses and future obligations. Use our life insurance calculator or reach out for a free life needs analysis.

Life insurance comes in two main forms: 

• Term: Coverage for a set number of years, which often can be renewed or converted to permanent coverage later. 
• Permanent (whole or universal life): Coverage for your entire life with potential cash value growth. 

Many consider carrying some whole life insurance—at least enough to cover burial expenses—and enough term insurance to replace your income until age 65.

Healthcare decisions can have a big impact on both your health and finances. That's why Dupaco partners with MedicareCU to give members access to no-cost Medicare guidance from licensed insurance agents. Their goal is simple: Help you understand your options and feel confident about your healthcare decisions.

A licensed insurance agent will take time to understand your situation and answer your questions. They can help explain Medicare enrollment, costs, coverage options and the differences between Medicare Advantage, Medicare Supplement and prescription drug plans. You can also discuss whether your doctors, medications, dental, vision and hearing needs are covered.

Even if you're covered through an employer plan, Medicare enrollment rules can be complicated. A MedicareCU agent can help you understand when you may need to enroll and whether waiting could result in penalties or gaps in coverage. Getting guidance based on your situation could help you make an informed decision.

Yes. MedicareCU agents are available to answer questions and provide guidance after enrollment. While privacy regulations may limit access to certain account information, they're happy to help whenever possible and can often point you in the right direction.