Terms of Service: All-Vehicle + Home Protection Bundle Plan

Last Updated: June 4, 2026

This page describes the terms and conditions of the All-Vehicle + Home Protection Bundle Plan, offered by Deductible Defender and administered by AssurancePlus through cynoSure Financial, Inc. ("Administrator"). This plan combines all benefits from both the All Vehicle Protection Plan and the Home Protection Plan under a single enrollment. By enrolling, you agree to the terms below.

All Vehicle Protection Benefits

1. All Vehicle Deductible Reimbursement

Reimburses your auto insurance deductible after a covered loss, up to $1,000 per loss. Unlimited claims per 12-month period. Effective on enrollment date. Requires active auto insurance. The Deductible Reimbursement benefit extends to the Member's Legal Spouse, provided the spouse is on the same insurance policy.

2. All Vehicle Mechanical Repair Reimbursement

20% reimbursement of eligible repair costs at a licensed facility, up to $500 per repair and $1,000 maximum per year. Applies after a 30-day exclusionary period. Routine maintenance, wear-and-tear, tires, batteries, and cosmetic repairs are excluded.

3. Emergency Travel Expense Reimbursement

Up to $100/night for lodging (max 5 nights) and $100/day for meals (max 5 days) if your vehicle breaks down more than 100 miles from home and must be towed overnight. Notify the Administrator within 30 days of the incident.

4. Personal ID Restoration Consulting

Dedicated ID Recovery Advocate assigned at no additional cost if you become a victim of identity theft. Services provided by cynoSure Financial, Inc.

5. Warranty Vault™

Online service to store and organize consumer product warranties. Access at assuranceplus.com/WarrantyVault.

Home Protection Benefits

6. Home Deductible Reimbursement

Reimburses your home insurance deductible after a covered loss at your Primary residence, up to $2,500 per occurrence. One (1) claim per 12-month period. Requires an active home insurance policy.

7. Home Glass Breakage

Up to $200 per claim for broken window replacement at your primary residence. Two (2) claims per 12-month period.

8. Home Lockout Reimbursement

Up to $100 per incident for a licensed locksmith when locked out of your primary residence. Two (2) incidents per 12-month period.

9. Appliance & Electronic Repair Reimbursement

50% reimbursement of eligible appliance and electronic repair costs, up to $500 per repair and $1,000 maximum per year. Applies after a 30-day waiting period. Covers repairs at your primary residence only. Whole house systems, such as HVAC, septic, sewer and hot water heaters are not eligible repairs.

10. Emergency Lodging Reimbursement

Up to $1,000 (10 nights × $100) if your primary residence becomes uninhabitable due to a covered event. Up to $1,200 (12 nights × $100) for qualifying HVAC failures or burst water pipe flooding. One (1) claim per 12-month period.

Benefit Period

Your plan is active for 12 months from your enrollment date. Renewal notifications will be sent prior to your renewal date.

Cancellation Policy

You may cancel and receive a full refund within 30 days of your enrollment date, provided no claims have been filed. After 30 days, both plan components are considered fully earned and non-refundable.

How to File a Claim

To initiate a claim, contact the Plan Administrator:

Online: assuranceplus.com/claims
Phone: 877-296-4892, Monday–Friday 8:00 AM–8:00 PM EST

Your Benefit Identification Number (from your welcome letter) is required to file a claim.

Plan Administration

Benefits are administered by AssurancePlus through cynoSure Financial, Inc., P.O. Box 7690, St. Clair Shores, MI 48080, and underwritten by an AM Best A-rated carrier.