Questions we actually get
Deductible offset protection is a monthly membership. On a qualifying loss, DOP VIP pays toward the deductible, up to the protection amount you pick. A house uses the residential rate. A business uses the commercial rate.
It is the DOP VIP membership. Residential is $14.95 a month for each $1,000 of protection, from $500 to $15,000. Commercial deductible protection is $29.95 a month for each $1,000, from $1,000 to $30,000.
On a qualifying loss, DOP VIP pays toward that deductible, up to the amount you picked. DOP VIP is deductible offset protection, a membership. It does not replace the policy you already carry. The membership has to be active for 30 days before the loss, the loss has to be at least $1 more than the protection amount, and you send the scope of work.
Yes. Memberships are available in Texas, including San Antonio. Wind and hail deductibles there are often a percentage of the property. Pick the protection amount that matches the deductible on the declarations page. The Texas and San Antonio pages spell out the local notes, and the rates are the same as the rest of the site.
Deductible offset protection for a house or a business. It is a monthly membership that pays toward the deductible on a qualifying loss, up to the protection amount you pick.
The homeowner rate is $14.95 a month for each $1,000 of protection. The slider starts at $1,000 and runs from $500 to $15,000 in $500 steps. $1,000 is $14.95 a month. A $10,000 selection is $149.50 a month.
A business deductible uses the commercial rate: $29.95 a month for each $1,000. The slider starts at $1,000. There is no $500 commercial option. It runs to $30,000, still in $500 steps. $1,000 is $29.95 a month. $30,000 is $898.50 a month.
Three things have to be true. Your membership must be active for 30 days before the loss. Your loss must be at least $1 more than the protection amount you picked. And you send us the scope of work from your insurance company.
Yes. In the member portal, move the amount and confirm. The slider stays on the plan you bought: residential or commercial. Stripe prorates the difference onto the next invoice. You can also update the card, see invoices, or cancel from the billing portal.
One membership, one deductible. A second house is a second residential membership. A shop or building is a commercial membership, with its own protection amount.
From the billing portal, linked inside the member portal. If you cancel, protection runs through the end of the period you already paid. A loss after that date is not paid.