Terms of Service: Home Protection Plan

Last Updated: June 4, 2026

This page describes the terms and conditions of the Home Protection Plan, offered by Deductible Defender and administered by AssurancePlus through cynoSure Financial, Inc. ("Administrator"). By enrolling in this plan, you agree to the terms below.

Plan Benefits

Your Home Protection Plan includes the following benefits for the 12-month membership period:

1. Home Deductible Reimbursement

Reimburses your homeowner's, renter's, or farm-owner's insurance deductible after a covered loss at your Primary residence, up to $2,500 per occurrence. This benefit may be used once per 12-month period. Requires an active home insurance policy listing you as the named insured. The loss must be covered by your insurance carrier.

2. Home Glass Breakage

Up to $200 per claim to replace a broken window at your primary residence. Limited to two (2) claims per 12-month period.

3. Home Lockout Reimbursement

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

4. Appliance & Electronic Repair Reimbursement

50% reimbursement of eligible repair costs for covered appliances and electronic equipment located in your primary residence, up to $500 per repair and $1,000 maximum per 12-month period. Covered appliances include refrigerators, washers, dryers, dishwashers, ovens, freezers, and more. Covered electronics include computers, tablets, televisions, and garage door openers. This benefit applies after a 30-day waiting period from your enrollment date. Replacement of items, routine maintenance, and wear-and-tear are not covered. Whole house systems, such as HVAC, septic, sewer and hot water heaters are not eligible repairs.

5. Emergency Lodging Reimbursement

If your primary residence becomes uninhabitable due to a covered event (break-in, theft, tornado, hurricane, earthquake, flood, fire, landslide, or mandatory evacuation), we will reimburse lodging expenses up to $1,000 (10 nights × $100/night). Up to $1,200 (12 nights × $100/night) applies for qualifying HVAC failures during extreme weather seasons or burst water pipe flooding with delayed remediation. 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, the Home Protection Plan is 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. Most claims require supporting documentation submitted within 180 days of the date of loss.

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.