At Harmoning Agency, we're committed to finding creative ways to help our customers save money without sacrificing peace of mind. Today, we’re excited to introduce a new option that aligns with that commitment—the Deductible Defender Program. This program is designed to offset higher deductibles, making it an ideal solution for those looking to manage out-of-pocket costs in the event of a claim.
All Vehicle and Home Protection Plan Bundle
Protection Plan Options
All Vehicle Protection Plan - $169 Per Year
This plan offers a range of coverage benefits related to vehicle insurance and travel protection:
Vehicle Deductible Reimbursement:
- Coverage: Reimburses up to $1,000 per covered loss, with unlimited claims per year, if the member's vehicle insurance has paid a collision or comprehensive claim exceeding the deductible.
- Eligibility: Available for personal-use, non-commercial vehicles like cars, ATVs, motorcycles, boats, RVs, etc.
- Exclusions: Coverage does not apply if:
- No active vehicle insurance is in place.
- The insurance company denies the claim or if it doesn’t exceed the deductible.
- The vehicle is used commercially or for hire.
- Repairs aren’t completed if it’s not a total loss.
Vehicle Repair Reimbursement:
- Coverage: Provides a 20% reimbursement on repair costs, up to $500 per repair and a maximum of $1,000 per year.
- Eligibility: For personal-use vehicles owned by the member or family members in the same household.
- Exclusions: Doesn’t cover damages from natural events, misuse, commercial use, or routine maintenance like oil changes, tire services, etc.
Emergency Travel Assistance:
- Coverage: Reimbursement of up to $100 per night (up to five nights) for lodging and $100 per day for meals (up to five days) if the member's vehicle is disabled more than 100 miles from home.
- Exclusions: Benefits are void if:
- The incident involved criminal activity, speeding, or DUI.
- Repairs aren’t performed at licensed facilities.
- Required receipts and details aren’t submitted within 30 days.
ID Theft Restoration:
- Coverage: Provides access to professionals for identity theft restoration if identity theft occurs.
Warranty Vault:
- Coverage: An online service for storing and organizing consumer product warranty information, allowing access to warranties 24/7.
This plan offers valuable benefits for vehicle-related expenses, emergency travel situations, identity theft protection, and warranty management for consumer products.
Home Protection Plan - $159 Per Year
Here’s a breakdown of the home-related benefits provided by this plan:
Home Deductible Reimbursement:
- Coverage: Reimburses the member for a loss to their primary residence or personal effects. The amount is equal to the deductible on the home insurance policy, up to a maximum of $2,500 per claim.
- Limit: One claim per 12-month period.
Home Glass Breakage:
- Coverage: Reimburses up to $200 per broken window at the primary residence.
- Limit: Up to two claims per year.
Home Lockout:
- Coverage: Reimburses up to $100 for a licensed locksmith in case of a lockout at the primary residence.
- Limit: Two claims per year.
Appliance/Electronic Repair Reimbursement:
- Coverage: Reimburses 50% of repair costs for appliances or electronic equipment located in the primary residence.
- Eligible Items: Includes home appliances like refrigerators, dishwashers, and washers, as well as electronics like computers, TVs, and garage door openers.
- Limit: Up to $500 per claim, with a maximum of $1,000 per year.
Emergency Lodging Reimbursement:
- Primary Residence Uninhabitable: Provides up to $1,000 for lodging if the primary residence is uninhabitable due to uncontrollable events (e.g., natural disasters, theft, mandatory evacuation). Covers up to 10 nights at $100 per night, with one claim allowed per year.
- Air Conditioning/Furnace Breakdown: If the only AC or furnace is non-operational due to part delays, covers up to $1,200 for lodging expenses during summer (6/20 - 9/23) or winter (12/21 - 3/20), respectively.
- Water Pipe Break: Covers lodging up to $1,200 if a water pipe break floods the primary residence and there’s a 24-hour delay in water removal.
- Limit: Up to 12 nights at $100 per night, with one claim allowed per year.
This plan provides valuable coverage for unexpected home-related expenses, including damage, repairs, emergency lodging, and appliance/electronic repair.
