Deductibles
Browse our articles about deductibles
Comprehensive Claims: Theft, Hail, Glass and Animal Strikes
What comprehensive coverage responds to, how each of the common claim types actually works, and where the line falls between comprehensive and collision.
Read MoreEarthquake Insurance: Separate Policy, Separate Deductible
Earthquake damage is excluded from standard home policies. Separate coverage works differently, starting with a percentage deductible and a 72-hour clause.
Read MoreFiling a Home Insurance Claim: What to Expect Step by Step
The sequence a property claim follows, your duty to prevent further damage, how payment arrives in stages, and what to do when you disagree.
Read MoreHow to Read Your Declarations Page Line by Line
The declarations page is the authoritative summary of what you actually bought. Here is what each section means and which lines are worth checking.
Read MoreLeasing a Car: What Your Lease Requires You to Carry
Lease insurance requirements are contractual, not statutory. Here is what lessors typically demand, and what happens when a leased car is totaled.
Read MoreMobile and Manufactured Home Insurance Explained
Manufactured home coverage varies more than site-built housing, starting with valuation and wind. Here is what to check before you rely on a policy.
Read MoreWater Damage: What a Home Policy Covers and What It Excludes
Whether water damage is covered usually turns on one question: was it sudden and accidental, or gradual? Here is where each common scenario falls.
Read MoreWhen to Drop Collision and Comprehensive on an Older Car
Physical damage coverage can never pay more than your car is worth. Here is how to think about when that ceiling stops justifying the coverage.
Read MoreWhen Your Car Is Totaled: Total Loss Settlements Explained
How insurers decide a vehicle is a total loss, how actual cash value gets determined, what salvage and gap mean, and how to challenge a valuation.
Read MoreActual Cash Value vs Replacement Cost: What Gets Paid
How depreciation changes a claim payment, why replacement cost claims often arrive as two checks, and where roofs are treated differently.
Read MoreHow Car Insurance Deductibles Work and When They Apply
What a deductible is, which coverages carry one, how it comes out of a claim payment, and what to weigh when choosing an amount.
Read MoreHurricane, Wind and Hail Deductibles: How They Work
Why storm damage can carry a separate percentage deductible, what event triggers it, and how to find yours on the declarations page.
Read MoreThis content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.