Get home and vehicle insurance deductible payments back in your pocket.

Deductible Defender is an annual membership that reimburses you for insurance deductible payments and more.

When you file an insurance Claim, you’re eligible to receive reimbursements for:

Insurance Deductibles

Vehicle Mechanical Repairs

In-Home Appliance & Electronics Repairs

Emergency Lodging

Home Lockout Service & Glass Breakage

Big deductible? Get money back.

Deductible Defender reimburses eligible vehicle insurance deductibles up to $1,000 and home deductibles up to $2,500, plus repairs, lockouts and more.

Person repairing a leaking dishwasher in a kitchen
Appliance repair reimbursed
+ $310
Broken dishwasher
Covered by Home Protection
Two cars after a minor collision
Auto deductible reimbursed
+ $1,000
Fender bender
Covered by All-Vehicle Protection
Fallen tree branch on a damaged shingle roof
Home deductible reimbursed
+ $2,500
Storm roof damage
Covered by Home Protection
Hand reaching for a locked front door handle
Lockout service reimbursed
+ $75
Locked out
Covered by Home Protection
When you file a claim, we reimburse:
Insurance deductibles
Vehicle repairs
Appliance & electronics
Emergency lodging
Lockouts & broken glass
Works with any insurer · Plans from $249/yr · 30-day full refund

Life happens. We help pay you back.

1
Join Deductible Defender
Plans from $249/yr. Works alongside any insurance provider.
2
Have a covered claim
File with your insurer like usual and pay your deductible.
3
Get reimbursed
Send us your claim docs. Most payouts process in about 7 business days.
Eligible claims only. Plan limits and terms apply.

All-Vehicle Protection

  • Unlimited deductible reimbursements, up to $1,000 per claim
  • 20% reimbursement for mechanical repairs
  • Plus more benefits

Home Protection

  • Up to $2,500 deductible reimbursement, once per year
  • Repair reimbursement for home appliances and electronics
  • Plus more benefits

Extended Warranty Plans

  • Covers costly repairs like engine, transmission, A/C, and electrical systems with a $0 deductible.
  • Plus more benefits
Long-term affordable protection
Choose Plan
Long-term affordable protection
Choose Plan

Unlock insurance premium savings

If raising your collision deductible lowers your premium, Deductible Defender can help offset the added risk by reimbursing eligible deductible costs after a covered claim.

PREMIUM SAVINGS ESTIMATE

How many vehicles do you insure?

The All-Vehicle Protection Plan extends to all cars, trucks, boats, motorcycles, campers, RVs, ATVs, personal watercrafts (PWC), side-by-sides, snowmobiles, and golf carts owned by the enrolled member.

Insured vehicles

Count the vehicles currently on your policy.

3insured vehicles
POTENTIAL PREMIUM SAVINGS
$540per year
$45per month

Estimated premium savings from choosing a higher deductible. Deductible Defender helps with eligible deductible reimbursement after a covered claim.

 

Contact your agent to confirm your savings.

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What our members say about us:

My job doesn’t give me much wiggle room financially. This gave me breathing room after a fender bender and a roof repair. One of the smartest purchases I’ve made.

Dev P.

Newark, NJ

It’s like insurance for your insurance. And they actually do what they say. That’s rare.

Heather M.

Portland, OR

It felt like a scam at first… until I actually needed it. Zero regrets. Everyone should get this.

Brianna H.

Sacramento, CA

I’ve used it twice – once for a car accident and once for a kitchen fire. Deductible Defender came through both times. No complications, just got my money back.

Michael S.

San Antonio, TX

Our basement flooded during a storm and we were bracing for a huge deductible. I’d totally forgotten we had this protection - then my agent reminded me that we had DD. What a relief!

Martin P.

Des Moines, IA

I was skeptical, but now I tell all my friends to add Deductible Defender when they buy a car. It’s one of those things you don’t know you need—until you really need it.

Jesse A.

Denver, CO

I’m a single mom and every dollar counts. Knowing that both my car and my house are protected? That peace of mind is worth everything.

Tasha G.

Omaha, NE

My agent offered me Deductible Defender when I called to add my new car to my policy, and I'm so glad I said yes. Four months later, someone rear-ended me and my net deductible was zero!

Anthony R.

Long Island, NY

I hit a deer two weeks after buying my car. My deductible was $1,000 - DD reimbursed me the full $1000. Total lifesaver.

Jamie R.

Flagstaff, AZ

A burst pipe flooded our laundry room and our insurance deductible was $1,500. Deductible Defender stepped in and reimbursed me for my full deductible.

Lisa C.

Charlotte, NC

When unexpected expenses happen,

Get reimbursed.

See Protection Plans