Protect yourself from the unexpected
Accidents happen. From fender benders to storm damage, Dupaco Insurance Services will make sure that you, your property and your possessions are covered.
Request your free insurance quote(s) in minutes
Compare quotes for auto, homeowners, renters and condo owners insurance. To get started, select the state where you live:
Tri-state members can get fast, easy, competitive rates. Just tell us a little bit about you and your insurance needs, and we’ll tell you how Dupaco Insurance Services can help.
Just tell us a little bit about you and your insurance needs, and we’ll tell you how Dupaco Insurance Services can help.
You live outside of our licensed areas—but don’t fret! We’ve partnered with Travelers Insurance to provide you coverage options to protect the things that matter most.
Types of insurance explained
Get a feel for what each insurance covers so you’re in the driver’s seat of your policy:
For a monthly premium payment, car insurance can help protect you from financial loss in case of an accident or theft. All 50 states require some form of auto insurance.
Monthly premium payments can help protect homeowners from liability and financial loss in case of disaster or theft. Hint: Some natural disasters, like floods, require a separate policy.
Renters can pay a monthly premium to help cover damage or theft of their personal property inside their home.
This special coverage takes your car, renters or homeowners insurance to the next level. It helps cover damages and injuries that you may be liable for when you’ve exhausted your existing coverage.
Save on insurance costs
It can feel daunting to find coverage that fits both your needs and your budget. But here are three ways you could save on insurance costs without skimping on coverage:
Combining insurance policies could save you money. Insurance companies often offer discounts for bundling your homeowners or renters insurance with your car insurance. It’s worth asking!
If you’re open to shopping around, an independent insurance agent can help you compare competitive quotes from multiple insurance companies at the same time.
Hint: Dupaco’s independent insurance agency leverages the credit union membership to offer members additional insurance discounts!
You might qualify for other insurance-related discounts if:
- You added home safety features like an alarm system or deadbolts.
- Your vehicle has safety features or an alarm system.
- You’re a military veteran.
- Your youthful driver has a decent academic record.
- You have an excellent driving record.
- You drive significantly less than you used to.
- You completed a defensive driving or safety course.
Have questions about insurance? Get answers here.
Confused by auto and homeowners insurance? We have answers.
We get it—insurance can be complicated. But fret not! Our team of insurance experts have answers to some of the most commonly asked questions.
With any insurance, you’ll pay a monthly, annual or bi-annual premium to your insurance provider. Your plan will also include a deductible (the amount of money you’ll pay out of pocket if you make a claim). Typically, the lower your insurance deductible, the higher your premium will be. Here are the main categories of auto insurance:
- Liability coverage: Includes coverage for bodily injuries or property or auto damage to another motorist if you’re at fault.
- Comprehensive coverage: Helps pay for damage and losses to your car that weren’t caused by another vehicle (like hail, deer and floods).
- Personal injury protection: Helps cover medical bills for you and your passengers in an accident.
- Collision insurance: Helps cover damages to your car in an accident (or a collision with something else that wasn’t falling, flying or an animal).
- Uninsured/underinsured motorist protection: Helps pay for damages caused by another motorist who doesn’t have sufficient insurance coverage.
- Gap insurance: Helps pay the difference between what you owe on a financed or leased vehicle and what the car is valued at if it’s a total loss.
You’ll typically choose from one of these options:
- Actual cash-value plan: Only offers payouts to cover what the damaged item was worth at the time of the disaster.
- Replacement-cost plan: Helps pay for the full cost of replacing your damaged or stolen belongings up to a predetermined amount. This plan offers more robust coverage, but the premiums are generally higher. If you have a mortgage, this policy will be required.
A replacement cost plan will help you get back on your feet sooner after a disaster. And the actual cash value plan would be appropriate if you don’t plan to rebuild or replace your home in the event of a loss. The perfect plan for you will depend on your budget and savings, the value of your home and belongings, and the price you put on having true peace of mind.
You can opt for the minimum required by state law, maximum coverage or any amount in between. Your goal is to find the sweet spot that offers you enough coverage for your unique needs without overpaying for more protection than you need. Here are some tips to keep in mind for auto insurance:
- Vehicle’s value: If your vehicle is no longer worth a lot, a high deductible probably doesn’t make sense. Your vehicle’s value is likely close to the amount you would have to pay to repair it.
- Your drive time: If you drive an excessive amount or in high-traffic areas, you might want more coverage. Both factors increase your car’s risk of damage.
- Teen drivers: Will children be driving your car? If a teenager drives your car, it’s a good idea to increase your coverage.
Here are more tips to help you choose the right insurance deductible for you, including how to calculate what you would save (or not save) with a higher insurance deductible.
Unfortunately, “full coverage” doesn’t really exist. The term wrongly implies that your car insurance policy covers everything. But if you’d like more protection for your vehicle, you’ll want physical damage coverage. It includes collision and comprehensive coverage:
- Collision coverage: Helps cover damages to your car in an accident (or a collision with something else that wasn’t falling, flying or an animal).
- Comprehensive coverage: Helps pay for damage and losses to your car that weren’t caused by another vehicle (like hail, deer and floods).
It depends. If you’re using an independent insurance agent (like Dupaco Insurance Services), the agent will quote several insurance companies at the same time for you. But if you’re not working with an independent agent, it’s best to get two other quotes so you can compare your options.
If you’re a Dupaco Insurance Services member, you can file your claim here. And these step-by-step resources can help you know what to do in case of an accident or disaster:
Pet Insurance
Peace of mind for your furry friend
In addition to homeowners and auto insurance, we also offer Figo Pet Insurance for the dogs and cats in your family. This special coverage can help make pricey vet bills and medical treatments more affordable. And you can get quotes and file claims on your own right here! Questions? Here’s what you can expect with this coverage:
Contact us
Have questions? Need help?
Drop us your info below and we’ll be in touch. Need to talk sooner? Just give us a call at 800-373-7600, ext. 210.
Dupaco Insurance Services is only licensed in the states of Iowa, Illinois, Wisconsin, Minnesota, Missouri and Arizona.
Dupaco Insurance Services is a division of Dupaco Holding, LLC, a wholly-owned subsidiary of Dupaco Community Credit Union. The purchase of insurance is not required in conjunction with the granting of any particular credit union service and the products offered are not endorsed or insured by Dupaco Community Credit Union. Mutual funds, annuities and other investments: are not deposits; are Dupaco Insurance Services is not insured by the NCUA or any other regulatory agency; are not obligations of, or guaranteed by Dupaco Community Credit Union or any other affiliated entity; are subject to investment risks, including possible loss of the principal amount invested.
