Home Insurance

Your home is your headquarters, your hub, your happy place—and probably your biggest investment. Protect everything under your roof with our home insurance options designed to prepare you for the unexpected. We offer customizable, comprehensive coverage that could save you thousands of dollars in the future.

Add-On Coverage for Stronger Protection:

  • Additional Replacement Cost CoverageCoverage for up to 150% of your policy limits for a covered loss
  • Replacement Cost Contents CoverageCoverage for replacing personal items in your home damaged or destroyed by a covered loss, regardless of depreciation
  • Identity Fraud ProtectionCoverage for expenses incurred to reclaim your identity.


Home Buyer Discount

Discount for purchasing your home in the previous year

Early Quote Discount

Discount for requesting a 121 Financial home insurance quote before your current policy expires

Green Home Discount

Discount for owning a LEED certified environmentally-friendly home

Loss-Free Discount

Discount for having no recent homeowner loss

Multi-Policy Discount

Discount for having more than one insurance plan with 121 Financial

Auto Insurance

Safeguard your set of wheels. 121 Financial offers auto insurance exclusively for credit union members—no matter your ride’s make or model—so that you’re covered wherever the road takes you.

Types of Coverage

  • Comprehensive and Collision Coverage for damages to your vehicle
  • Personal Injury Protection Coverage for injury to yourself or your car passengers
  • Bodily Injury Liability Coverage for any loss resulting in injuries
  • Property Damage Liability Coverage for any damage to the property of others


24-hour claims service

Fast appraisals (within 24 hours)

Guaranteed auto repairs (for duration of ownership)

Life Insurance

Provide your family the financial security they need to move forward with peace of mind. With 121 Financial, you can find the right life insurance policy that will compensate for loss of income, assist with debts and costs in the short term, provide funds for college and help your family continue their standard of living.

Types of Coverage:

  • Term Life Insurance
  • Variable Universal Life Insurance
  • Whole Life Insurance
  • Single Premium Life Insurance
  • Universal Life Insurance
  • Survivorship Life Insurance

AD&D Coverage - NO Cost to Members

Accidental Death & Dismemberment (AD&D) insurance can help protect you and your family when the unexpected happens. Unlike life insurance, it covers you in the event of an injury that results from an accident. AD&D can be a helpful safeguard against the burden of costs associated with injury or death from an accident by providing you and your family with funds when you need them most. There is no cost to 121 Financial Credit Union members for this coverage.

Additional Coverage Options

  • Cancer Coverage
  • Cancer Heart Attack & Stroke Coverage
  • Full Family Coverage