Wind and hail deductible buy back
Bring a large storm deductible on your home down.
Get Your Home and Auto Deductible Back
If you have ever paid a deductible out of pocket after a claim, this plan pays you back. It sits alongside the home and auto insurance you already have, with any insurer. Tell us where you live and a licensed broker will walk you through it. Currently serving California.
We shop the market for you, no broker fees
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
For people who would feel a deductible tomorrow
Rising premiums push a lot of people toward higher or percentage deductibles, and that money comes due right when something goes wrong. The plan follows you rather than a policy, so it keeps working if you switch insurers. The home and vehicle bundle works out to roughly a dollar a day.
Homeowners with a big deductible
After a claim on your primary home, the plan pays you back up to $2,500 of the deductible, once every 12 months.
Families with several vehicles
Two or more cars, or a young driver in the house? Each vehicle claim is paid back up to $1,000, with no cap on how many claims you make in a year.
Everything you own and insure
The vehicle plan covers cars, trucks, motorcycles, boats, RVs, campers, ATVs, side by sides, personal watercraft, snowmobiles and golf carts.
What each half of this policy covers
What it usually covers
- Up to $2,500 of your home insurance deductible, once every 12 months
- Up to $1,000 of a vehicle deductible for each loss
- A broken window at home, up to $200, and a lockout, up to $100, twice a year each
- Half of the bill to fix an eligible appliance or piece of electronics
- A place to stay if your home becomes unlivable, up to $100 a night
- Part of an eligible vehicle mechanical repair, emergency travel costs and help restoring your identity after theft
What it does not cover
- Second homes, rental properties and vacation homes. The home plan covers the home you live in
- Vehicles where neither you nor your spouse is listed as the owner and the insured
- Appliance, electronics and vehicle mechanical repairs in the first 30 days after you enroll
Limits and terms
- 01
Home repairs
Appliance and electronics repair pays back half the bill, up to $500 a repair and $1,000 a year. Emergency lodging is up to $100 a night and $1,000 a year.
- 02
Vehicle extras
Mechanical repair pays back 20% of an eligible repair, up to $500 a time and $1,000 a year. Emergency travel covers up to $100 a day for lodging and $100 a day for meals, up to $1,000 a year.
- 03
What it usually costs
Plans usually start around $179 a year for all your vehicles. A home plan is usually around $249 a year, and home and vehicles together around $399. Your broker confirms the price.
Who can apply
- Available in all 50 states, California included
- Works with whichever company insures your home and vehicles
- The home plan is for your primary residence
- The vehicle plan is for vehicles you or your spouse own and insure
Coverages that go with it
Homeowners insurance
Protect the home and what is in it.
Car insurance
Cover the cars in your household.
What to have ready
- Your home policy, so you can see what your deductible is today
- A list of the vehicles you own and whose name is on each one
- Your ZIP code and the best way to reach you
Questions we get asked
Do I have to change my insurance?
No. You keep your current home and auto policies, whoever they are with. After a claim, this plan pays you back for the deductible, and it stays with you if you switch insurers later.
Can I use it right away?
Most of it, yes. Deductible, glass, lockout, lodging and travel benefits start when you enroll. Appliance, electronics and vehicle mechanical repairs start after a 30 day wait.
Does it cover my rental property or vacation home?
No. The home plan only covers the home you live in as your primary residence.
Is this everything in the plan?
What you see here is a summary. The plan's terms and conditions have the full limits, conditions and exclusions, and they are worth reading before you enroll.
What happens after I start a quote?
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.
Review your coverage options.
A licensed broker can review eligibility and policy terms with you.