Auto Deductibles
Reimburses your auto insurance deductible after a covered collision or comprehensive claim.
Deductible reimbursement, made simple
Never pay a deductible out of pocket again.
Deductible Defender reimburses your auto and home insurance deductibles after a covered claim — plus repair costs for your vehicle and household appliances.
- Keeps your existing insurance
- Auto + home + repairs
- Month-to-month
- Fast reimbursements
Marcus
Hey again 👋 — Marcus here. Let me show you how Deductible Defender protects the stuff you already insure.
Three ways your wallet stays protected
Auto, home, or repairs — Deductible Defender picks up the bill you'd normally cover yourself.
Home Deductibles
Reimburses your homeowner's deductible after wind, hail, fire, water, or theft claims.
Repairs & Appliances
Covers mechanical breakdowns, home systems and appliances — no age or mileage limits on most items.
Marcus
Pick the plan that matches what you own — cars, home, or both. You can layer them.
Simple plans, real reimbursements
Month-to-month. Cancel anytime. Keep the insurance you already have.
Every car in the driveway
All-Vehicle Protection
From $19/mo
- Auto insurance deductible reimbursement
- Covers every household vehicle
- Reimbursements paid after a covered claim
- Roadside assistance included
Homeowner peace of mind
Home Protection
From $24/mo
- Homeowner deductible reimbursement
- Covers wind, hail, fire and more
- Identity theft restoration
- Emergency lockout & travel benefits
Mechanical & appliance repairs
Service Contract
From $29/mo
- Repair cost reimbursement
- Home appliances & systems
- Vehicle mechanical breakdown
- No age or mileage restrictions on most items
Marcus
Filing a reimbursement takes about 5 minutes — here's exactly how it works.
How reimbursements work
01
Enroll online
Pick a plan and enroll in minutes — coverage starts fast.
02
File your claim
When something happens, file the claim with your regular insurance company.
03
Pay your deductible
Pay your deductible as usual so the insurer completes the repair.
04
Get reimbursed
Submit your paperwork to Deductible Defender and get your deductible back.
Members who kept their deductible
Auto — hail damage
Reimbursed $1,000
"Got the full $1,000 auto deductible back within a week of the payout."
Home — wind storm
Reimbursed $2,500
"Roof claim was rough. Deductible Defender handed the $2,500 right back."
Appliance — HVAC
Reimbursed $1,850
"A/C compressor died in July. Repair was reimbursed under my service contract."
Marcus
Common questions — most people ask these before signing up.
Frequently asked questions
What is a deductible reimbursement plan?+
After you file a covered claim on your existing auto or home policy, Deductible Defender reimburses the deductible amount you had to pay out of pocket — up to your plan limit.
Do I have to switch insurance companies?+
No. Deductible Defender works alongside your existing auto and home insurance. Keep the policies you already have.
How fast are reimbursements paid?+
Once your claim is settled and you submit proof of payment, most reimbursements are processed in a few business days.
Is there a waiting period?+
Coverage generally starts the day you enroll. Some benefits may carry a short waiting period — details are shown at checkout.
Can I cancel anytime?+
Yes. Plans are month-to-month with no long-term commitment.
Who is eligible to enroll?+
Any U.S. resident 18 or older with an active auto or homeowners/renters policy from a licensed insurer can enroll. There's no vehicle age limit, no health questions, and no home inspection.
How much do the plans cost?+
Plans start at $19/month for the All-Vehicle Protection plan and scale up based on how many vehicles and homes you want covered and the reimbursement limit you choose. All pricing is shown upfront at checkout.
How do I claim my deductible reimbursement?+
File your claim with your regular auto or home insurer as usual. Once it's settled, log in to your Deductible Defender member portal, upload your claim documents and proof of deductible payment, and reimbursement is processed to your bank account in a few business days.
Stop paying deductibles out of pocket
Enroll today and get reimbursed for auto, home, and repair deductibles. Month-to-month, cancel anytime.