家庭pp王者电子官网的免赔额是如何运作的?

当你开始寻找 房主, 公寓 or 租房者 pp王者电子官网单，以帮助保护您的投资, 了解你选择的免赔额是很重要的. 选择的免赔额会影响支付的保费.

什么是房主免赔额?

A deductible is the amount you would feel comfortable paying towards a loss, 如果发生索赔, and it’s to be paid or incurred by the insured before the insurance company pays their portion of the covered loss. The deductible amount can be as low as $250 and go all the way to $1,000 or perhaps be a percentage of your 首页’s insured value (1% or 2%). The deductible amount is determined by you when a policy is requested. As the insured, you can change the deductible amount any time after the policy is issued. 因为将来可能会发生索赔, you should always choose a deductible amount you are comfortable with.

免赔额是如何运作的?

当你与pp王者电子官网公司联系索赔时, pp王者电子官网公司将决定赔偿损失的金额. 何时支付索赔金额, the amount determined by the insurer will be used and your deductible amount will be subtracted. 例如, if you have a roof claim and the insurer determines the loss is $5,000, you will pay the first $500 (as your deductible) and the insurance company will pay the remaining $4,500.

In general, each time a claim is filed, the deductible would apply. An exception could be 飓风 losses w在这里 deductibles may be applicable by year instead of individual occurrence.

免赔额vs可负担保费

在决定一项政策时, a deductible can be a helpful way to move the premium price to something you’re comfortable with. If a lower deductible is requested, the policy premium will typically be higher. However, if a higher deductible is selected, then the policy premium will likely be lower.

灾难的免赔额

许多风暴都是由 房产pp王者电子官网，但洪水和 地震 通常有单独的策略.

• 飓风 -如果损失是由以下原因造成的，可以申请特殊的免赔额 飓风. T在这里 may be specific triggers and policy language which varies by state. The policy language typically determines when a storm is considered as a 飓风 and this deductible would apply. 飓风 deductibles can be higher than other 首页owner policy deductibles and percentages may be used instead of set dollar amounts — your policy should always have this listed.
• 风和冰雹 -类似于飓风， 风 每个州的免赔额都不一样, 在龙卷风多发地区的人们受到的影响更大. For 风 and hail, percentages may be used for the deductible instead of set dollar amounts.
• 洪水 – pp王者电子官网 for flooding is typically sold separately from 房产pp王者电子官网. Deductibles vary by state and can be either a set dollar amount or percentage of the 首页’s insured value.
• 地震 -免赔额从2%到20%不等 房屋重置价值这取决于你所在的州. 地震 coverage may need to be specifically requested in your 首页owner policy.

租客政策的免赔额

租房者 insurance deductibles work very similar to 房主 deductibles. 换句话说，租客政策是针对你的个人财产, 它有助于保护你拥有的东西. 在承保损失的情况下, you are responsible for the chosen deductible amount before your insurance company pays the rest of the claim. The amounts usually range between $500 to $1000, but lower or higher deductibles may be available.

Now that you have read about this topic, you may want to learn about the relevance of 家庭pp王者电子官网年度回顾, 公寓pp王者电子官网基本知识 或者获取更多关于 捆绑销售pp王者电子官网. 考虑联系 状态 Farm®代理 如果你想要报价的话 首页, 生活 or 汽车pp王者电子官网.