Insurance Requirements for WSECU Loans
September 09, 2026
When you have a loan with WSECU — whether it’s mortgage, auto, home equity or commercial real estate — your insurance policy requires that we’re properly listed as your lender to protect both you and WSECU in case of a claim. It also means we’ll be notified of any changes to your policy and may receive claim payments.
It’s a standard part of insurance when you have a loan. Think of it as a formal way to say, “WSECU has a financial stake in my property.”
Here are answers to commonly asked questions about WSECU loan insurance and policy requirements.
Auto Loan insurance*
WSECU requires comprehensive and collision insurance coverage on all auto, truck, boat (including jet skis and sea doos), RV and motorcycle loans. Additionally:
- Deductibles cannot exceed $1,000.
- A full collateral description must include the Vehicle Identification Number (VIN).
- Policy number, policy period and company name must be listed.
- The effective date and expiration dates of coverage must be listed.
Upload your insurance info at WSECU Insurance Verification or ask your insurance agent to report your coverage by calling 866-560-9801. It only takes a few minutes.
You can also upload it at MyInsuranceInfo.
Add WSECU to your insurance policy as the lender, often called the lienholder or loss payee.
WSECU as LIENHOLDER/LOSS PAYEE
PO Box 692429
San Antonio, TX 78269-2429
Home insurance
WSECU requires homeowners insurance that covers the replacement cost of the home.
Upload your insurance info through MyInsuranceInfo or ask your insurance agent to report your coverage by calling 866-560-9801. It only takes a few minutes.
Your proof of homeowners insurance should include:
- Your name and property address
- Your insurance company and policy information
- Coverage effective and expiration dates
- Coverage amounts
- WSECU listed as the mortgagee on the policy using the correct mortgagee clause
Be sure to list WSECU correctly as the mortgagee on the policy:
WSECU
ITS SUCCESSORS AND/OR ASSIGNS (ISAOA)
PO BOX 58028
SEATTLE, WA 98138
Home Equity Loans & Lines of Credit insurance
You must maintain homeowners insurance on the home securing your Home Equity Loan or Home Equity Line of Credit.
Upload your insurance info through MyInsuranceInfo or ask your insurance agent to report your coverage by calling 866-560-9801. It only takes a few minutes.
Be sure to list WSECU correctly as the mortgagee on the policy:
WSECU
ITS SUCCESSORS AND/OR ASSIGNS (ISAOA)
ATTENTION: HOME EQUITY
PO BOX WSECU
OLYMPIA, WA 98507
Commercial Real Estate insurance
Commercial real estate borrowers must maintain insurance on the property securing the loan. Depending on the property, this may include:
- Property hazard insurance
- Liability insurance
- Flood insurance (if applicable)
Upload your insurance info through MyInsuranceInfo or ask your insurance agent to report your coverage by calling 866-560-9801. It only takes a few minutes.
Be sure to list WSECU correctly as the mortgagee on the policy:
WSECU
ITS SUCCESSORS AND/OR ASSIGNS (ISAOA)
ATTENTION: COMMERCIAL LENDING
PO BOX WSECU
OLYMPIA, WA 98507
Need help?
If you’re unsure which loan type you have or need help sharing this information with your insurance provider, we’re here for you. Just give us a call at 800.562.0999 or send us a secure message through Online Banking.