Insurance Frequently Asked Questions

Members can access their policy information using the Insurance widget on First Tech’s mobile app. From the app, you can download ID cards, pay bills, review and transmit documents and request changes to your policy.

Yes, automatic payment is offered by all carriers and is a popular method for paying premiums.

Membership is not a requirement to conduct business with First Tech Insurance Services. However, First Tech offers a number of products and services that could improve your financial life, and we highly recommend becoming a member!

Yes, there are a variety of commercial insurance policies available to you, depending on the nature of your business. Please contact our agency and explain your business needs so we can determine how to best assist you. You can contact us at insure@firsttechfed.com or 855.744.8585.

Members can obtain their ID card (or pay a bill, request a change to their policy and make other updates) using the Insurance widget on First Tech’s mobile app.

If you need to file a claim, please contact your insurance carrier directly. If you have questions prior to filing, please contact us at insure@firsttechfed.com or 855.744.8585 and we’ll do our best to assist you.

You can contact our in-house service center at insure@firsttechfed.com or 855.744.8585 for assistance.

Our agents will be happy to help you with any policy updates. For assistance, please contact us at insure@firsttechfed.com or 855.744.8585

Contact the insurance carrier directly to obtain a copy of your policy.

Please visit our Insurance Services page for the available insurance programs in your area.

Boat insurance may cover physical damage to the boat and trailer. This would include the hull, motor, safety equipment, etc. Liability coverage may help pay for expenses if you cause an accident that damages someone else’s property.

If you experience a boating accident or incur a loss, you would file a claim with the insurance company. Often, you are required to cover the deductible before the insurer will pay for the remaining losses and/or injury up to the limit (if the incident is covered).

Most states in the U.S. do not require boat insurance, but your lender may. If you store your boat at a marina, that marina may also require insurance. Even if you’re not required to buy insurance, you might consider obtaining coverage to limit your risk. Like other types of insurance, boat insurance comes in several varieties: collision, uninsured motorist and liability.

Much of our business is conducted remotely, so the quickest and easiest way to contact our Insurance agency is through email at insure@firsttechfed.com or by phone at 855.744.8585.

RV insurance is required when the vehicle is able to be driven (not being towed by a truck, for example). Self-propelled vehicles will require separate liability coverage, and collision coverage is highly recommended. You may also decide to buy an umbrella policy for additional coverage. Trailers being towed are typically covered by the towing vehicle’s liability policy. For more information above coverage options, speak to a First Tech insurance agent.

Most homeowner’s insurance policies cover the dwelling and other structures, personal property, personal liability, loss of use, and medical payments. Natural disasters that are typically covered (unless specified) include fire, lightning and damage from freezing. Other covered events may include explosions, damage caused by vehicles, theft or vandalism.

We offer a full range of products, including auto, homeowners, renters, dwelling, boat, recreational vehicle, motor home, travel trailer, life, umbrella and business insurance. Explore what options are available in your state.

There are three primary types of pet insurance: accident-only, accident and illness, and wellness coverage. Sometimes the coverages are bundled in the same policies. Accident coverage usually applies to injuries sustained by things like vehicle accidents, ingesting foreign objects, etc. Wellness coverage is sometimes referred to as “preventative care” and covers things like vaccinations, spay/neutering, microchipping, and flea or tick worm prevention. Vet-diagnosed sickness or disease is usually covered up to a limit per accident or illness. Routine care is not covered.

Life insurance is a contract between the insured and insurance company where the benefit is paid upon death. There are two primary forms of life insurance: term and whole. Term is the simplest form in which the policy holder chooses a defined amount of time for the policy to be in place. Common terms are 10, 20 and 30 years, although some insurance companies have additional term lengths. Coverage ends when the term ends. Whole life, or permanent life, covers the insured person through their lifetime (assuming premium payments are made). These policies may build “cash value” which a policy holder can access under certain conditions. Premiums for whole life can be higher when compared to term life policies.

Home insurance is usually referred to as homeowners insurance, and covers loss, damage or liability related to the house itself or its contents. Mortgage insurance (also known as PMI or Private Mortgage Insurance) is something a lender usually requires when the borrower takes out a loan and does have a down payment of at least 20%. PMI protects the lender in case the borrower can no longer make regular payments on the loan.

Homeowner’s insurance does not cover damage from flooding or earthquakes, so people who live in states with seismic activity are much more likely to carry earthquake insurance. More Californians have earthquake insurance than residents in any other state. Other states at high risk are Oregon, Alaska, Washington, Nevada, and Hawaii. Lately, seismic activity has picked up in Texas and Oklahoma as well. Along with seismic activity in your area, other factors to consider are the material your home is made of and how resistant your home may be to earthquakes.