Protect one of your biggest investments

Homeowner's Insurance

Your home is your hub, your happy place, your family’s headquarters—and most likely your biggest investment. With so much value under one roof, it’s essential to protect your home with the right Homeowners Insurance policy. Redstone Insurance Services® can help you prepare for the unexpected with comprehensive coverage that could save you thousands in the future.

Our homes face many threats, including fire, theft, and damage from hail, snow, and ice. While the dangers are real, you can mitigate the risks and take measures to safeguard your most valuable asset.

When evaluating homeowners insurance, you’ll need to consider how much it would cost you to rebuild your home if it were damaged beyond repair. You’ll also need insurance that would pay for temporary lodging if you had to move out while your home is being restored, as well as liability coverage in case someone is hurt on your property. And while insuring your home, don’t forget to protect yourself and your belongings. Redstone Insurance Services’ enhanced Homeowners Insurance options extend beyond your home, offering you more ways to feel secure.

Borrow up to


Buying in TN? Some counties are eligible for higher loan limits.
Click here for more details.

Finance up to


of purchase price or appraised value, whichever is less.

You may also want to consider

VA loans

Optional Coverage for Broader Protection

Enhance your protection by adding coverage options that meet your needs.

Additional Replacement Cost Coverage 

Can pay up to 125% or 150% of your policy limits for a covered loss

Replacement Cost Contents Coverage 

Covers the cost of replacing personal items in your home that may be damaged or destroyed by a covered loss regardless of depreciation.

Identity Fraud Protection 

Pays for expenses incurred to regain your identity, including identity restoration services.

Featured Rates:

Interest rate as low as:APR as low as:
10 Year Adjustable Rate Mortgage3.375%4.091%
30 Year Fixed VA Loan4.250%4.537%
Home Equity Line of Credit (HELOC)N/A4.625%

How it works:

  • You choose the down payment amount, either 5% or 10% 
  • We finance 80% of the purchase price or appraised value, whichever is less
  • The remainder is financed as a second mortgage or home equity loan

Need help with your down payment or closing costs? We offer assistance programs to first-time home buyers, veterans, and community partners.
See if you’re eligible
Learn more about Private Mortgage Insurance , including Lender-Paid and Borrower-Paid.

Save even more on your homeowners insurance with these discounts!

Green Home Discount

Offered to owners of LEED-certified environmentally-friendly homes

Multi-Policy Discount

You’ll save when you have more than one policy with Redstone Insurance Services

Home Buyer Discount

For members who have purchased their home in the previous year

Protective Devices Discount

Offered to members who own homes with alarms, detectors, and other security systems

Loss-Free Discount

Available to members who haven’t had a recent homeowner loss

Early Quote Discount

You may be eligible for a discount if you get a new Redstone Insurance Services quote before your current policy expires

Home Equity Line of Credit

Borrow up to


Minimum loan amount $10,000.

Finance up to


of the appraised value of your home

APR as low as


Key Features

  • Variable rate, tied to Prime.
  • Borrow funds as needed. Advance through online banking or access with your HELOC Visa credit card.
  • Payments are due on the 15th of every month.
  • Minimum monthly payment is 1.5% of outstanding balance or $100.00, whichever is greater.
  • May be eligible for tax benefits on interest (check with your tax advisor).
  • No annual fee, no appraisal fee, no closing costs.

Ready to apply for a Home Equity Line of Credit? It’s easy!

EVERY Redstone Visa credit card includes all of these features


Quick and easy purchases 

Visa is accepted all over the world

Warranty Manager Service: additional product registration to extend the manufacturer's original warranty on products you buy


Zero-liability fraud protection

Monitor credit card activity with Credit Card Control

Real-time fraud monitoring and fraud text alerts

Identity theft assistance

Savings & Discounts

With Visa SavingsEdge®, you’ll receive discounts at select retailers when you use your Visa credit card.

Redstone Discounts!® when you use your card at many local businesses.

Additional Benefits    

Travel and Emergency Assistance

24-hour Roadside Dispatch service

Auto Rental Collision Damage Waiver insurance coverage for cars rented with your Visa card

Warranty Manager Service manage, use, and extend the warranties of eligible items purchased with your Visa card

Redstone Services GroupSM, LLC d/b/a Redstone Insurance Services, is a wholly owned subsidiary of Redstone Federal Credit Union® (RFCU®) but are separate entities. Redstone Services Group, LLC is a licensed insurance agency that sells insurance policies issued by third party insurance companies. The insurance products are not products or obligations of RFCU, are not NCUA or federally insured and are not endorsed, warranted, recommended, or guaranteed by RFCU or any government agency. The insurance products may be offered by a dual employee who also sells insurance products on behalf of a third-party insurance company. RFCU and its affiliates are committed to fair, equitable and nondiscriminatory practices.

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Join The Redstone Family Today

Are you ready to join the credit union that puts you first? Become a member of the Redstone family and you’ll start enjoying the great rates, personalized financial advice, and excellent customer service Redstone is known for.

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