Before you get protected:
Did your insurance agent tell you about us?
If so, please sign up through your agent!
Here by yourself?
Choose Plan

Never lose money on insurance deductibles again.

Get deductible
payments back in
your pocket

When you file a claim, there's always a catch: the deductible, the downtime, or expenses insurance won't touch. That's where we step in.

We are not insurance or a warranty. We’re supplemental protection that fills in the gaps.

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, apartments and more, so you're never stuck with unexpected bills when life happens.

We protect you from what your insurance leaves behind

Compatible with any insurance provider

Backed by two A-rated carriers

7+ million members protected

Reimbursement in 30 business days or less

All-Vehicle Deductible Protection

Home Deductible Protection

Get protected in 90 seconds

Get reimbursed fast.

No long hold times. No fine print. No runaround.

Reminder: This is not insurance or a warranty — it’s supplemental protection.

Simple Enrollment

1.

Choose your plan or bundle

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 or less

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 Patel, 27

Newark, NJ

It’s like insurance for your insurance. And they actually do what they say. That’s rare.

Heather MacDonald, 44

Portland, OR

It felt like a scam at first… until I actually needed it. Zero regrets. Everyone should get this.

Brianna Holloway, 32

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., 51

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 and Kendra Paulson, 46 & 43

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 Alvarado, 36

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 Greene, 34

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 Russo, 38

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 Rodriguez, 29

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 Chang, 41

Charlotte, NC

When life happens,

Be protected.

See Protection Plans