The TruStage Auto & Home Program works together with top-rated company Liberty Mutual to make auto and home insurance, along with a potential discount, available to credit union members.

A licensed agent at Liberty Mutual will answer your questions and give you friendly, helpful information — with no sales pressure.

When you're ready to get a quote, an agent will ask you some questions and walk you through your options. It's a good idea to have a copy of your current insurance policy handy to compare coverage and features. That way, it's easy to see how much you could save if you switch companies.

In most cases, auto owners and homeowners are required to buy some type of insurance, but this can vary depending on your situation. Read on for more details.

Auto insurance

Almost every state requires you to buy auto insurance to protect against liability. And if you're taking out a loan to buy your vehicle, it's likely the lender will require you to buy an insurance policy to protect its value.

Home/condo insurance

Unlike auto insurance, it's possible to own a home without carrying insurance in some cases. However, if you have a mortgage on your home, it's likely your lender will require you to carry a homeowner's policy. Also, condominium boards typically require owners to purchase condo insurance whether they have a mortgage or not.

Even if you don't have a mortgage, it's a wise choice to protect the value of your home and its contents with a homeowner's insurance policy. This insurance will also help protect you from liability if someone is injured on your property.

Renters insurance

And while apartment dwellers are not usually required to buy renters insurance, this relatively low-cost coverage can help reimburse you for loss or damage to personal possessions. It also offers protection from liability if someone were injured in your unit.