Most people think about insurance in big-picture terms: auto, home, health, life. But what about the out-of-pocket expenses that sneak up on you when something actually goes wrong? That’s where the All Vehicle Protection Plan (AVPP) and Home Protection Plan PLUS (HPP) shine.
These plans don’t replace your auto or home insurance—they complement it. They help cover the real-life gaps that most people feel when the deductible kicks in or when they’re left scrambling after a breakdown, lockout, or accident.
Let’s take a closer look at why these two plans can add serious value for everyday people.
🚗 All Vehicle Protection Plan (AVPP): Everyday Driving, Better Protected
The AVPP offers peace of mind whether you’re driving your car, riding your motorcycle, or hauling your RV across the country.
Key Benefits:
- Deductible Reimbursement (up to $1,000) – Got into a fender bender? If your vehicle insurance pays out, this plan reimburses you up to $1,000 of your deductible. And there's no limit on the number of claims per year!
- 20% Repair Reimbursement (up to $1,000/year) – Even if your car is out of warranty, you can get help with the cost of repairs on personal-use vehicles.
- Emergency Travel Reimbursement – If you break down away from home, you can get up to $100/night for lodging and $100/day for meals, for up to five days.
- ID Theft Restoration – If your identity is stolen, this plan provides professional support to restore your good name.
- Online Warranty Vault – Organize and access all your product warranties in one place.
Why It’s Worth It:
Most auto insurance policies don’t reimburse deductibles or offer repair reimbursement once your warranty expires. This plan helps reduce your out-of-pocket burden while giving you bonus protection for emergency travel and ID theft.
🏠 Home Protection Plan PLUS (HPP): Real Help When Home Life Gets Disrupted
Your home is your sanctuary—but what happens when a window breaks, the AC dies in July, or you're locked out on a rainy night?
Key Benefits:
- Home Deductible Reimbursement (up to $2,500) – When you have a covered claim on your homeowners insurance, this plan can pay your deductible—up to $2,500 once per year.
- Glass Breakage Coverage (up to $200) – Fixes broken windows at your primary residence, up to two times a year.
- Lockout Reimbursement (up to $100) – Covers the cost of a licensed locksmith if you’re locked out of your home.
- Appliance/Electronic Repair Reimbursement (50% back, up to $1,000/year) – Helps pay for repairs to your refrigerator, washer, TV, or other home appliances and electronics after 30 days of membership.
- Emergency Lodging (up to $1,200/year) – Whether your home becomes uninhabitable due to a natural disaster or your AC or heat is out for days, this benefit helps pay for a hotel stay.
Why It’s Worth It:
Even a simple lockout or cracked window can cost hundreds. This plan offers affordable help with common home mishaps and gives you breathing room in emergencies—without touching your home insurance.
Final Thoughts
Life throws curveballs—your coverage should be ready for them. The AVPP and HPP are designed for real-world situations, helping you reduce costs when accidents, breakdowns, or inconveniences happen. For just a small monthly fee, these plans offer real value, real protection, and enhanced peace of mind.
Reach out to Landsman Insurance Services today to discuss coverage options.