phone icon Get a Quote Find an Agent
Call Us 707-576-5115   |   Toll Free 1-866-477-4225 Get a Quote File a Claim
Logo
☰
  • Insurance
    • Vehicle
      • Personal Auto Insurance
      • RV & Boat Insurance
      • More Vehicle Insurance
    • Home
      • Home Insurance
      • Renters Insurance
      • Dwelling Fire Insurance
      • More Home Insurance
    • Business
      • Business Owners Insurance
      • Business Auto Insurance
      • Workers' Compensation Insurance
      • More Business Insurance
    • Additional Insurance
      • Life & AD&D Insurance
      • Pet Insurance
      • Payment Protection
      • More Options
  • About Us
    • Meet Our Agents
    • RCU Partnership
    • Blog
    • FAQs
  • Contact Us
    • Contact Us
    • Upload proof of home insurance
    • Upload proof of vehicle insurance
  • Insurance›
    auto Vehicle
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
    home Home
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
    business Business
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Comp Insurance
    • More Business Insurance
    umbrella Additional Insurance
    • Life & AD&D Insurance
    • Pet Insurance
    • Payment Protection
    • More Options
  • About Us›
    Meet Our Agents RCU Partnership Blog FAQs
  • Contact Us›
    Contact Us Upload proof of home insurance Upload proof of vehicle insurance

Your Browser Is Not Supported. For the best experience, please upgrade your browser.

Your Browser Is Not Supported. For the best experience, please upgrade your browser.

RCU Insurance Services

Home > Contact Us > Collateral Protection Insurance

CPI Page

Avoid force
placed insurance

Upload your proof of insurance here.

Get Started

Collateral Protection Insurance (CPI)

When you have a collateralized loan with Redwood Credit Union, providing proof of insurance is a requirement. If proof of insurance isn’t provided to your RCU lending agent at the time your loan is funded, collateral protection insurance (CPI) may be automatically added to your loan at your expense. This covers the asset but not the liability.

How to avoid unnecessary force placed insurance (CPI) charges on your loan

While your agreement with RCU requires continuous insurance against losses for the term of the loan, you can avoid CPI charges by simply providing a copy of your home and flood insurance coverage with Redwood Credit Union listed as the loss payee. Because we care about your financial health, we hope you proactively do so to save yourself money!

Provide us with your policy declarationsWhat is an Insurance Policy Declaration?

Ask your insurance provider to include the Loss Payee Clause on your policy as follows depending on your loan type.

  • First Mortgages
    Redwood Credit Union
    Its Successors And/Or Assigns
    PO Box 961292
    Fort Worth, TX 76161-0292
    Loan#: {always include RCU Loan Number here}
  • Second Mortgages (Flood)
    Redwood Credit Union
    Its Successors And/Or Assigns
    PO Box 390447
    Minneapolis, MN 55439-0447

Select your loan type below and use the Upload Documents links to add your loan documents.

Decorative Upload First Mortgage Documents

You can also submit your First Mortgage documents via mail, fax or email.

Decorative Upload Second Mortgage Documents

You can also submit your Second Mortgage documents via mail, fax or email.

If you’d like to confirm receipt of your uploaded documents, please call 1 (888) 491-5114 for second mortgages/home equity loans or 1 (866) 669-8615 for first mortgages.

If Redwood Credit Union doesn’t receive acceptable proof of the required insurance, it may become necessary to protect our interest by purchasing a collateral protection Insurance (CPI) certificate at your expense. Please be aware that CPI is not a substitute for standard insurance and generally carries higher premiums than insurance you can purchase on your own. CPI is designed to protect only our interest in your collateral for claims filed by us as the creditor for losses, and therefore may not pay for claims you make. Even more importantly, it does not provide any liability coverage for claims made against you and does not satisfy any mandatory liability insurance or financial responsibility laws of this or any other state. For these reasons, we encourage you to provide your own insurance.

What is an Insurance Policy Declaration?

Your insurance policy declaration is the front page (or pages) of your insurance policy that includes your personal information, details about the insured home or vehicle, policy limits, deductibles, and other key information that varies from insured to insured. Your declarations page should also show Redwood Credit Union listed as a lien holder or loss payee. You may be able to obtain a PDF through your insurance carrier’s website if you have an online account. You can also scan or photograph a paper copy, or you can ask your agent to send you a copy.

First Mortgages

Mail:

Redwood Credit Union
ISAOA
PO Box 961292
Fort Worth, TX 76161-0292

Fax:

1 (855) 640-4865

Email:

insurancedocs@ihaveinsurance.com

Second Mortgages

Mail:

Redwood Credit Union
Its Successors And/Or Assigns
PO Box 390447
Minneapolis, MN 55439-0447

Fax:

1 (833) 671-2122

Email:

proofofinsurance@redwoodcu.org

  • Vehicle›
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
  • Home›
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
  • Business›
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Compensation Insurance
    • More Business Insurance
  • Additional Insurance›
    • Life & AD&D Insurance
    • Pet Insurance
    • Payment Protection
    • More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5115 Toll Free (866) 477-4225
Hours M-F: 9:00 a.m. - 5:00 p.m.
Vehicle Personal Auto Insurance RV & Boat Insurance More Vehicle Insurance
Home Home Insurance Renters Insurance Dwelling Fire Insurance More Home Insurance
Business Business Owners Insurance Business Auto Insurance Workers' Compensation Insurance More Business Insurance
Additional Insurance Life & AD&D Insurance Pet Insurance Payment Protection More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5115 Toll Free (866) 477-4225
Hours M-F: 9:00 a.m. - 5:00 p.m.
©2022 All Rights Reserved. RCU Insurance Services is a wholly owned subsidiary of Redwood Credit Union. License no. 0D91054. NPN no. 7612227.