Keep your loan up to date. Make sure HFS has your current insurance documentation.
When you take out a loan with HFS for a vehicle or real estate, we’ll need a copy of your current insurance policy. This page gives you a quick, convenient way to submit your documents online.
Insurance Requirements
Auto Loan
For an auto loan, the Credit Union needs an insurance binder listing the Credit Union as lien holder/loss payee and indicating adequate collision, comprehensive, and liability coverage. Borrowers must maintain full coverage (comprehensive and collision) insurance on the vehicle. The maximum deductible for vehicle insurance is $500.00.
Real Estate
Proof of property, homeowners, fire and extended coverage insurance (including hurricane coverage) for not less than 100% of replacement cost, naming the Credit Union as loss payee. Maximum deductibles are as follows:
- Homeowner Insurance: $2,500.00
- Hurricane Insurance: 5% of policy limit for dwelling and other structures
Other Ways to Contact:
Toll-Free Number: 866-744-6983
Toll-Free Fax Number: 877-643-8032
Mailing Address: PO Box 581
Honolulu, HI 96809
Email: [email protected]
Insurance Coverage
Keep your loan up to date by submitting your current vehicle or real estate insurance documents.
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TruStage® AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured, sold, or guaranteed by your credit union. Base Policy Series E10a-014-2012, E10a-ADD-2012 and E10a-015-2012. Any products and services accessed through this link are not provided or guaranteed by HFS Federal Credit Union.
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