Deductible Defender Protection Plans reimburse you for insurance deductible payments and more.

Become a member and get paid back for unexpected expenses such as:

Insurance Deductibles

Vehicle Mechanical Repairs

In-Home Appliance & Electronics Repairs

Emergency Lodging

Home Lockout Service & Glass Breakage

$249

All-Vehicle Protection

  • Unlimited deductible reimbursements, up to $1,000 per claim
  • 20% reimbursement for mechanical repairs
  • Plus more benefits
$249

Home Protection

  • Up to $2,500 deductible reimbursement, once per year
  • 50% reimbursement for home appliance and electronics repairs
  • Plus more benefits
Long-term affordable protection

Route 66 Extended Warranty Plans

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

Extended coverage beyond your factory warranty

Keep your car on the road without surprise repair bills.

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

Peace of Mind: Confidence knowing you’re protected against major repair costs, ideal for long-distance drivers or those keeping vehicles past factory warranty

Added Perks: Rental car reimbursement, roadside assistance, and trip interruption coverage included

Flexible Coverage: Options available for newer and higher-mileage vehicles, with multiple term and mileage levels

Insurance deductible reimbursement · Home & Auto

Protection plans for your home and vehicles.

All-Vehicle and Home Protection reimburse your insurance deductibles, repairs and emergencies. Route 66 Extended Warranty covers major mechanical breakdowns after your factory warranty ends.

How it works

1

Join for $249/yr

Pick All-Vehicle, Home, or both. Most benefits are active immediately; repair benefits start after 30 days.

Works with any insurance provider
2

Have a covered claim

A storm, fender bender or broken appliance happens. File with your insurer as usual and pay your deductible.

Supplemental — keep your current insurer
3

Send docs, get reimbursed

Submit your claim paperwork. Most reimbursements are processed within 7 business days (up to 30).

Up to $2,500 back on a home deductible

Choose your protection

$249

All-Vehicle Protection

  • Unlimited deductible reimbursements, up to $1,000 per claim
  • 20% reimbursement for mechanical repairs
  • Plus more benefits
$249

Home Protection

  • Up to $2,500 deductible reimbursement, once per year
  • 50% reimbursement for home appliance and electronics repairs
  • Plus more benefits
Long-term affordable protection

Route 66 Extended Warranty Plans

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

Compare plans

Compare plans
All-Vehicle Protection
Home Protection
Route 66 Extended Warranty
Plan type
Deductible reimbursement for all your vehicles
Deductible reimbursement for your home
Extended warranty for your vehicle
Price
$249 / year
$249 / year
Priced by vehicle & mileage
Deductible reimbursement
Up to $1,000 per claim
Up to $2,500 (1 per 12 mo)
—
Repairs
20% of vehicle repairs, up to $500
50% of appliance & electronics repairs, up to $500
$0 deductible on covered repairs
Emergency travel / lodging
$100/day lodging + $100/day meals
Up to $100/day lodging
Rental car $40–50/day
Lockout & glass
—
Lockout $100 · Glass $200
Roadside lockout service
Roadside assistance
—
—
24-hour, included
Waiting period
30 days for repair benefit
30 days for appliance benefit
30 days / 1,000 miles
Plan type
Deductible reimbursement for all your vehicles
Price
$249 / year
Deductible reimbursement
Up to $1,000 per claim
Repairs
20% of vehicle repairs, up to $500
Emergency travel / lodging
$100/day lodging + $100/day meals
Lockout & glass
—
Roadside assistance
—
Waiting period
30 days for repair benefit
Plan type
Deductible reimbursement for your home
Price
$249 / year
Deductible reimbursement
Up to $2,500 (1 per 12 mo)
Repairs
50% of appliance & electronics repairs, up to $500
Emergency travel / lodging
Up to $100/day lodging
Lockout & glass
Lockout $100 · Glass $200
Roadside assistance
—
Waiting period
30 days for appliance benefit
Plan type
Extended warranty for your vehicle
Price
Priced by vehicle & mileage
Deductible reimbursement
—
Repairs
$0 deductible on covered repairs
Emergency travel / lodging
Rental car $40–50/day
Lockout & glass
Roadside lockout service
Roadside assistance
24-hour, included
Waiting period
30 days / 1,000 miles
Full terms are in each plan’s details PDF. Deductible Defender is a membership-based reimbursement plan, not insurance.

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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You deserve a safety net.

We are not insurance.

We’re supplemental protection that kicks in when insurance stops short. We help protect what your policy won’t — like your deductible.

We work with any insurance provider.

No matter who your policy is with, Deductible Defender reimbursement benefits are here to help.

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

Frequently Asked Questions

What exactly is Deductible Defender?

Is this insurance?

What does it cover?

How much will I get reimbursed?

How does the reimbursement process work?

Can I use it more than once?

Can I use it for any home or vehicle?

Can I cancel if I change my mind?

Is there a waiting period?

Resources

Read more about our protection plan details