The Insurance Office

A part of MMFCU since 1987, this group of independent agents represent a number of insurance companies and can find you the best combination of price, coverage and service.

Insurance Can Be A Bit Daunting At Times

The Insurance Office at Mid Minnesota Federal Credit Union helps you get the coverage you need for peace of mind. From individual insurance to group insurance, we have the experience and knowledge to provide options.

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Insurance Collage 2023

Insurance Options

Let our team help you find the perfect fit when it comes to your personal insurance needs. Whether you are looking for coverage for your car, boat, home, medical or even life insurance, we have options for you. Find what you need in our one-stop-shop for all your insurance needs

Bundle and Save with Protection Plans

Car on the side of the road for emergency

All Vehicle Protection Plan

1 YEAR – $159

  • All Vehicle Deductible Reimbursement
    Up to $1,000 per loss, unlimited losses per year
  • All Vehicle Repair Reimbursement
    20% up to $500 per repair, max $1,000 per year
  • Emergency Travel
    Up to $1,000 per year
  • ID Theft Restoration
  • Warranty Vault

Learn More

Purchase Today

Request an Appointment

 

 

A family of four stands in front of a house

Home Protection Plan

1 YEAR – $159

  • Home Deductible Reimbursement
    Up to $2,500 per loss, 1 claim per 12 months
  • Home Glass Breakage
    Up to $200 to replace the broken window, 2 claims per 12 months
  • Home Lockout
    Up to $100 per lockout, 2 claims per 12 months
  • Appliance/Electronic Repair
    Up to $500 per occurrence, max $1,000 per 12 months
    Receive a 50% reimbursement of the payment made to a repair facility to repair an appliance or piece of electronic equipment
  • Emergency Lodging
    Up to $1,000 in the event that the member’s primary residence becomes uninhabitable

Learn More

Purchase Today

Request an Appointment

All Vehicle and Home Protection Plans

 

1 YEAR – $299

  • All Vehicle Deductible Reimbursement
    Up to $1,000 per loss, unlimited losses per year
  • All Vehicle Repair Reimbursement
    20% up to $500 per repair, max $1,000 per year
  • Emergency Travel
    Up to $1,000 per year
  • ID Theft Restoration
  • Warranty Vault
  • Home Deductible Reimbursement
    Up to $2,500 per loss, 1 claim per 12 months
  • Home Glass Breakage
    Up to $200 to replace the broken window, 2 claims per 12 months
  • Home Lockout
    Up to $100 per lockout, 2 claims per 12 months
  • Appliance/Electronic Repair
    Up to $500 per occurrence, max $1,000 per 12 months
    Receive a 50% reimbursement of the payment made to a repair facility to repair an appliance or piece of electronic equipment
  • Emergency Lodging
    Up to $1,000 in the event that the member’s primary residence becomes uninhabitable

Learn More

Purchase Today

Request an Appointment

 

 

Frequently Asked Questions

Does the customer need to submit a claim under the insurance policy and turn documentation in showing a claim was submitted for auto?

If using the deductible reimbursement benefit, a claim must be submitted and processed with the vehicle owner’s insurance provider. However, all other benefits of the All-Vehicle Protection Plan do not require a claim to be filed with their vehicle owner’s insurance provider.

Are they able to maintain a $500 deductible option and still get reimbursed?

Yes, they will receive up to $1000 for the All-Vehicle Deductible Reimbursement. If they have a $500 deductible, they would only receive $500.

What is the dollar amount limit for reimbursements?

The plan will reimburse them an unlimited number of deductible reimbursements (up to $1000 per claim). The repair reimbursement benefit is capped at $500 per claim, to a max of $1000 during the year of coverage. There is no waiting period for Deductible Reimbursement benefits, but there is a 30-day waiting period following their initial registration for the repair reimbursement benefit.

Does the vehicle need to be titled in the person’s name, or can it be titled in a corporation or LLC?

Each vehicle must be titled in the owner’s name and registered individually for the All-Vehicle Protection Plan. The vehicle cannot be titled in a corporation or LLC.

Regarding the identity theft benefit – Is there assistance in helping with restoration?

Yes, this is a full service, restoration benefit. They are assigned an Advocate that will personally guide them through the entire process.

Can the Vehicle Protection Plan be sold in any state?

Yes, and there are no restrictions on the age or mileage of the collateral. You do not need to be a licensed insurance agent to sell the program.

Is there a cap on how much customers will get reimbursed for the Home Protection Plan?

Yes, up to $500 per claim to a maximum amount of $1000 during the year of coverage for repair reimbursements and a one-time deductible reimbursement up to $2500.

Does the Home Protection Plan cover furnace, hot water heater or air conditioning repair?

It does not cover furnace, hot water heater, air conditioning, or other house “systems”. However, window AC units and appliances are eligible.

If the repair person comes to evaluate an appliance or similar, will the customer get reimbursed for any charges related to an evaluation/estimate service call?

No. There is no reimbursement for preliminary evaluation service calls. There must be a repair made.

For customers with more than one property, does it cover at any location?

No, the Home Protection Plan provides benefits for the customers Primary Residence only. Seasonal homes, 2nd homes and vacation homes are not eligible for the program.

Group Insurance

Are you a small business owner or an organization looking to provide insurance to your employees or group?

The Insurance Office offers group plans for life insurance, medical insurance and even disability or accident insurance.

Explore Group Insurance

 

Your Local Insurance Agents

Meet the Team

Craig Holm
Craig Holm Insurance Office Manager (218) 828-1118
Alex Getty
Alex Getty Insurance Office Agent (218) 828-1118
Brady Hersch
Brady Hersch Insurance Office Agent (218) 828-1118
Deb Schleusner
Deb Schleusner Insurance Office Agent (218) 828-1118

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Why The Insurance Office at MMFCU?

At MMFCU, we believe that true financial growth can only happen when we all grow together.

Insuring the things we buy and care about in a way that makes the most of our money just makes sense. That’s why The Insurance Office is independent and can look at multiple insurance carriers to find the best coverage and cost for each of our members. Mid Minnesota is rooted in locals serving locals, for the good of our community. We care about this community because it’s our home too. When you progress, so do we and in turn, we help others do the same. Owned by members (that’s you!) and led by members–that’s the credit union difference.

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All Vehicle Protection Plan

All Vehicle Deductible Reimbursement

• Pays up to one thousand dollars ($1000) per Loss (UNLIMITED losses per year) when a Loss is filed and paid by the Vehicle Insurance Company for the Covered Vehicle the Member owns or leases evidenced by the title, registration or loan document, AND insured under an Insurance Policy designating the Member as the Named Insured.
• Covered Vehicle refers to a non-commercial, four (4) or six (6) [i.e. dually] wheel auto, All Terrain Vehicle (ATV), Golf Cart, Motorcycle, Snowmobile, Boat, Personal Watercraft (PWC) or Recreational Vehicle (RV)
• Recreational Vehicle (RV) means a motorhome or a towable RV including fifth wheel travel trailers, camper vans, truck camper trailers, pop-ups campers, ice houses and horse trailers that include living quarters and are designed for temporary accommodation.
• Loss means an event for which the Covered Vehicle Insurance Company has approved and paid a collision or comprehensive claim which exceeds the Insurance Policy deductible for the Covered Vehicle.
• Coverage is effective upon date of enrollment and will continue for one (1) year.

If the Member suffers a Loss during the benefit period which is covered by the Member’s Vehicle Insurance Policy, the Member may be entitled to reimbursement of the Vehicle Insurance Policy deductible amount up to a maximum of one thousand dollars ($1000) per Loss. To be eligible for reimbursement the Member must own or lease and insure the Covered Vehicle under an Vehicle Insurance Policy designating the Member as the Vehicle Policy Named Insured.

The Vehicle Deductible Reimbursement Benefit Does Not Apply If:

1) the Member does not have an in force Vehicle Insurance Policy on the Member’s Covered Vehicle at the time of a Loss;
2) the claim under the Member’s Vehicle Insurance Policy is not covered or has been denied by the Member’s Vehicle Insurance Company;
3) the Loss does not exceed the in force Vehicle Insurance Policy deductible;
4) the Member’s Vehicle Insurance Company has waived the Vehicle Insurance Policy deductible under the Vehicle Insurance Policy;
5) the Loss is for a vehicle that does not fall under the definition of a Covered Vehicle;
6) the Vehicle is used for commercial purposes or hire, or the Vehicle is a commercial vehicle as defined by the manufacturer;
7) the Loss is other than a Total Loss and the Member does not repair the Vehicle.

20% All Vehicle Repair Reimbursement: Vehicle means personal vehicle owned by you or a family member residing in the members primary household and used for personal use. After thirty (30) days from the effective date of membership, the member is eligible to receive a twenty percent (20%) reimbursement of the payment made to repair a vehicle owned by the member or a family member residing in the member’s primary residence. Reimbursements are limited to twenty percent (20%) of the repair payment up to five hundred dollars ($500) per repair. The maximum amount the member can receive during a twelve (12) month membership period is one thousand dollars ($1,000).

The reimbursement amount is excess of any other coverage available which would include but not be limited to: a manufacturer’s warranty, extended warranty, vehicle insurance, credit card benefit, etc.

What Repair Reimbursement Does Not Include:

• Replacement because of loss or damage resulting from any cause other than normal use and operation of the eligible vehicle for which the vehicle was
designed per the manufacturer’s guidelines;
• Damage to or failure of product used for commercial purposes;
• Acts of God, Fire, Lightning, Hail and Wind, Theft, misuse, abuse
• Repairs to upgrade or improve the vehicle
• Cleaning or other preventative maintenance required to maintain normal operation of the vehicle
• Any charges other than parts and labor
• Repairs or reimbursement are not covered for routine maintenance such as oil changes, fluid changes, tires, tire rotation, balancing or alignment.

Emergency Travel

If your Auto suffers a Disablement and cannot be driven safely under its own power, and subject to the Terms and Conditions of this benefit, you are entitled to be reimbursed a maximum benefit of $100 per night, up to a maximum of five (5) nights per twelve (12) month period for lodging expenses. The benefit only applies to overnight lodging where the Member has to pay for the room (e.g. hotel motel, bed & breakfast, YMCA, etc.) and has the receipt or other documentation showing the name of the lodging facility, date(s) stayed and amount paid. You are also entitled to be reimbursed a maximum benefit of $100
per day, up to a maximum of five (5) days per twelve (12) month period for meals. The benefit only applies to meals where the Member has to pay for the meal(s) and has the receipt or other documentation showing the name of the restaurant, date(s) of the meal(s) and amount(s) paid.

Exclusions:

• No benefits will be paid in the event the Member’s:
• Collision(s) are due to speeding violations, criminal activity, and/or driving under the influence of non-prescription drugs or alcohol.
• Disablement repairs are not completed by licensed facilities.
• Disablement occurred within one hundred (100) miles of his/her primary residence
• Receipts don’t show the required information.
• Call to the Administrator does not occur within thirty (30) days of his/her Disablement.

PLUS:
ID Theft Restoration: with ID Theft Restoration, you now have the peace of mind of knowing that a professional is standing ready to help restore your good name if identity theft strikes.

Warranty Vault: Help protect your purchases . . . the Warranty Vault makes it quick and convenient! Warranty Vault provides an on-line storage & organizing service that helps You to take full advantage of Your warranties for consumer products you have purchased. With minimal keystrokes, you can enter, upload & store vital information about your warranty(s) and access this information 24/7 at one central location.

This summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please refer to the Terms and Conditions for complete forms, conditions, limitations, definitions, and exclusions.

Home Protection Plan

1. Home Deductible Reimbursement: We will reimburse the covered Member for a Loss that occurs during the Coverage Period to the Member’s Primary Residence or Personal Effects, equal to the deductible limit shown on the Member’s Home Insurance policy or up to a maximum of $2,500 per claim, whichever is less. Coverage is effective from the date of the Member’s enrollment. Only one (1) Home Deductible Reimbursement benefit will be paid per claim occurrence, and only one (1) claim per Member will be paid per twelve (12) month period.
2. Home Glass Breakage: If during the Coverage Period, a window is broken at a Member’s Principal Residence, Home Glass Breakage will reimburse the Member up to $200 to replace the broken window. Coverage is limited to two (2) claims per twelve (12) month period.
3. Home Lockout: If during the Coverage Period, the Member is locked out from their Principal Residence, Home Lockout Reimbursement will reimburse up to $100 for a licensed locksmith to allow the Member to enter their Principal Residence. Coverage is limited to two (2) lockouts per twelve (12) month period.
4. Appliance/Electronic Repair Reimbursement
After thirty (30) days from the effective date of membership, the Member is eligible to receive a fifty percent (50%) reimbursement of the payment made to a repair facility to repair an Appliance or piece of Electronic Equipment that is located in the Member’s Primary Residence during the Coverage Period. The repair and repair payment must occur thirty (30) days after the effective date of the membership.
Appliance means an electrical device owned by you that is plugged into the house’s electrical system and is located within the interior of your Primary Residence including the attached garage. Appliances include: cooktops, dishwashers, dryers, freezers, microwave ovens, ranges, refrigerators, trash compactors, vacuums, warming drawers, washers, and wine coolers.
Electronic Equipment means electronic devices owned by you and located within the interior of your Primary Residence including the attached garage. Electronic equipment includes: desktop and laptop computers, tablets, digital video recorders, DVD players, garage door openers, home audio components, laptop computers, power tools, televisions, and television receivers.

The maximum repair reimbursement amount the Member can receive per claim occurrence is $500.
The maximum repair reimbursement amount the Member can receive per twelve (12) month period is $1,000.

5. Emergency Lodging Reimbursement We will reimburse the covered Member, up to a maximum of $1,000 per claim occurrence, in the event that the Member’s Primary Residence becomes uninhabitable during the Coverage Period due to events beyond the Member’s control. These events are limited to break-in, Theft, tornado, hurricane, earthquake, flood, fire, landslide and mandatory evacuation.

1 claim per 12-mo period
10 nights at $100 each up to $1,000

We will also reimburse the covered Member, up to a maximum of $1,200 per claim occurrence, for lodging expenses in the event of:
1. A sudden breakdown of their only air conditioning unit in the Primary Residence in the summer (defined as occurring within the following months/days of the year: 6/20 – 9/23), or a sudden breakdown of their only furnace in the winter (defined as occurring within the following months/days within the year: 12/21 – 3/20), that results in the unit remaining completely non-operational for 24 hours or more (from the time of the first service visit from the Service Provider) due to a delay in availability of the required repair parts to the Service Provider for their completion of the repair; or
2. A sudden break in their water pipes in the Primary Residence that results in the residence being flooded if the removal of the water by the Service Provider is delayed by 24 hours or more from the time the documented service request was made by the Member.

1 claim per 12-mo period
12 nights at $100 each up to $1,200
 

This summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please refer to the Terms and Conditions for complete forms, conditions, limitations, definitions, and exclusions. This Plan is subject to a 30 day rate review.

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