Get home and vehicle insurance deductible payments back in your pocket

When you file an insurance claim, there's always a catch. That's where we step in.

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

You pay your premium -
But still get hit with the bill

Even with insurance, accidents and emergencies still cost you hundreds or thousands out of pocket. Our protection plans reimburse you for deductibles on cars, trucks, boats, motorcycles, RVs, homes, and more, so you're never stuck with unexpected bills when life happens.

All-Vehicle Protection Plan

Get reimbursed for insurance deductibles on cars, trucks, motorcycles, campers, and more.

Home Protection Plan

Get reimbursed for home insurance deductibles, home appliance and electronics repairs, and more.

Vehicle Service Contract

Covers costly repairs like engine, transmission, A/C, and electrical systems with a $0 deductible.

Deductible Defender reimburses you for expenses such as:

Insurance Deductibles

Vehicle Mechanical Repairs

In-Home Appliance & Electronics Repairs

Emergency Lodging

Home Lockout Service & Glass Breakage

Simple Enrollment

1.

Choose your plan

2.

Enter basic info + payment

3.

You’re instantly protected

Note: All benefits are active immediately except the repair reimbursement benefits which have a 30-day waiting period

Easy Claim Filing

1.

Initiate within 90 days of the “date of loss”

2.

Upload proof of loss, insurance documents, and proof you paid your deductible within 180 days

3.

We review and reimburse within 30 business days

What our clients 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