When you have a claim, the deductible is the amount you’re responsible for paying. Here’s how it works:

Let’s say you experience a loss that’s covered by your policy. Any expenses that are below the deductible amount are your responsibility. The amount that’s over and above your deductible is our responsibility.

If you want to lower your insurance premium, you can choose a higher deductible. Remember though, this means in the event of a claim you will be responsible for a larger amount of money.

For home policies, there’s a deductible waiver. This means we’ll remove the deductible amount for any claim over $25,000 (except if the damage is due to an earthquake).

If more than one deductible applies to an insured event in a single policy, only the highest deductible will be applied to the loss (except if the damage is due to an earthquake).