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A deductible is an amount you must pay out of pocket when you make an insurance claim. This amount is agreed upon when you purchase your insurance policy.

For example, if you have a $1000 deductible on your insurance policy, you would pay the first $1000 of the repair costs, and we would cover the rest. If the total loss was only $1000, you would pay the entire amount.

Typically, a deductible applies to every claim. Your adjuster will let you know if there is a benefit in your policy that waives the deductible once damages reach a certain amount. Whether your deductible will apply or not is specific to a claim and could also depend on several factors, including who is at fault.

There are also certain types of claims where a higher deductible may apply; water, wind and hail (for home claims).

Generally, when you choose a higher deductible, your premium is lower.