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What Is a Home Insurance.HTML
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<!DOCTYPE html>
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<p class="card-icons"><em class="ms-4 me-4">Astha Saxena</em> <span
class="card-icons-watch ms-5"><em class="ms-3 ms-md-4">September 19,
2021</em></span></p>
<h1 class="mt-lg-4"><strong>Coverage 101: What Is a Home Insurance Deductible?</strong></h1>
<p class="own-mobile-text mt-lg-3"> <a
href="https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance">
5.1% of insured homes</a> in the United States had a home insurance claim in 2019,
according to ISO. Nearly all of these claims were due to property damage, including
theft, which amounted to 97.2% of claims. The remaining 2.8% of claims were liability
losses.
</p>
<p class="own-mobile-text">When you are shopping for a <a
href="https://www.investopedia.com/terms/h/homeowners-insurance.asp"> home insurance
policy</a> , it can feel like you're reading a different language. While reading up
on home insurance coverage documents might not be your idea of a good time, it's worth
it to understand the basic terms to make sure that you are getting the coverage you need
and the best possible deal. </p>
<p class="own-mobile-text">One key phrase in the world of homeowners insurance is "home
insurance deductible." What is a deductible, exactly, and how does it work?</p>
<p class="own-mobile-text">Let's take a look at what you need to know to make sure that you
and your home are protected from risk. </p>
<h2 class="mt-lg-4"><strong>What Is a Home Insurance Deductible?</strong></h2>
<p class="own-mobile-text ">A home insurance deductible is the amount of money that you will
be responsible for paying for if you make a home insurance claim. This is not the same
thing as insurance premiums. Insurance premiums are the fee that you pay to your
insurance issuer so that they will provide you with coverage.
</p>
<p class="own-mobile-text">As a general rule, there is an inverse relationship between
deductibles and premiums. The lower your premium is, the higher your deductible will be.
On the other hand, the higher your premium is, the lower your deductible will be. </p>
<p class="own-mobile-text">
(<a href="Guide to Buying a House.html"> Check out our guide</a>
to buying the best home insurance policy here!)
</p>
<h2 class="mt-lg-4"><strong>How Do Insurance Deductibles Work?</strong></h2>
<p class="own-mobile-text ">The best way to explain how insurance deductibles work is by
giving an example scenario. Let's say that your home became damaged from an incident
that cost $15,000 to repair. If the circumstance that caused the damage to your home is
covered by your home insurance policy, then the repair costs will be partially covered
by your insurer.
</p>
<p class="own-mobile-text"> For example, let's say that your insurance deductible is $2,000.
This means that you would pay for $2,000 of the repairs out of pocket, while your
insurer would cover the remaining $13,000. </p>
<p class="own-mobile-text"> With both homeowners insurance and auto insurance, the
deductible applies each time that you file a claim. However, there is a major exception
in the state of Florida, where hurricane deductibles are applied once per season. </p>
<p class="own-mobile-text">Deductibles typically don't apply to the liability portion of
your policy. For example, let's say that you had property damage from a outdoor grill
fire that your insurance covered. You would pay a deductible when it came to the
property damage, but not for the liability portion of the policy if a guest got burned
and sued or made a medical claim. </p>
<h2 class="mt-lg-4"><strong> What Are the Different Types of Insurance Deductibles?</strong>
</h2>
<p class="own-mobile-text"> There are two primary kinds of home insurance deductibles. Your
home insurance policy will define the type of deductible you have.
</p>
<p class="own-mobile-text">The first type is a dollar-amount deductible. This outlines a
specific dollar amount that you will be responsible for paying if you make a claim. In
the example above, the $2,000 deductible was a dollar-amount deductible.
</p>
<p class="own-mobile-text"> The second type is a percentage-based deductible. Instead of
defining a specific dollar amount, this type of deductible defines a specific percentage
of the insured value of your home to be your deductible value.</p>
<p class="own-mobile-text"> For example, let's say that your deductible is defined as 2% and
your home has coverage for $200,000. This means that if you make a claim, your
deductible would be $4,000, which is 2% of $200,000.</p>
<h2 class="mt-lg-4"><strong> Choosing a Homeowners Insurance Deductible</strong></h2>
<p class="own-mobile-text">
When you are shopping around for homeowners insurance, you will need to consider what
you can afford when it comes to both the premium and the deductible.
</p>
<p class="own-mobile-text">
You will want to be considerate of your budget and whether or not you have an emergency
fund. You will want to choose a deductible that you will be able to cover in the case of
an emergency. It's important to not choose a deductible that is so high that you end up
in a difficult financial situation if you have to make a claim.
</p>
<p class="own-mobile-text">Once you have determined the size of deductible you can afford,
you can let your insurance agent know. They can then give you a quote for insurance
premiums based on the deductible amount you have chosen.</p>
<p class="own-mobile-text">Another thing to consider is how comfortable you are with taking
risks. For some homeowners, it is worth the risk to sign on for a higher deductible in
return for a lower annual premium. What this means is that if they end up making a
claim, they will be responsible for a higher premium. </p>
<p class="own-mobile-text mt-lg-3">Other people might be willing to pay a higher annual
premium so that they won't be stuck with a larger deductible if they need to make a
claim.
</p>
<h2 class="mt-lg-4"><strong>Is It Time For You to Find Home Insurance Coverage?</strong>
</h2>
<p class="own-mobile-text">Understanding what a home insurance deductible is will help you
find the right insurance coverage for you and your property. Some people might choose to
have a higher deductible and lower premiums, while others might opt for lower
deductibles with higher premiums.</p>
<p class="own-mobile-text"> Getting a home insurance policy is easy with Econosurance. All
you have to do is request an instant quote, complete the application, and then enjoy the
peace of mind you receive from having home insurance coverage.</p>
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<p class="mobile-text">Mobile Home Insurance: An In-Depth Coverage Guide</p>
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<p class="mobile-text"> Coverage 101: What Is a Home Insurance Deductible?</p>
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<p class="card-icons"><em class="ms-4 me-4">Astha Saxena</em> <span
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<p class="card-title"><strong>Mobile Home Insurance: An In-Depth Coverage Guide</strong>
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<p class="own-mobile-text">If you own a mobile home, several threats could affect your
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more severely than a traditional house. For example, many people have heard about
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<p class="card-icons"><em class="ms-4 me-4">Gaurav</em> <span
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<p class="own-mobile-text">5.1% of insured homes in the United States had a home
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liability losses.</p>
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<p class="card-icons"><em class="ms-4 me-4">Astha Saxena</em> <span
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2021</em></span></p>
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You</strong></p>
<p class="own-mobile-text">Homeowners insurance isn't on most people's minds until they
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about
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