Deductibles

Browse our articles about deductibles

September 2, 2026

Deductible, Copay, Coinsurance and Out-of-Pocket Max

Health plans split costs four ways. Here is what each term means, the order the money moves in, and what actually counts toward your out-of-pocket maximum.

HSAs, FSAs and High Deductible Health Plans

A health savings account requires a qualifying high deductible plan and the money is yours to keep. An FSA works differently. Here are the rules and the IRS limits.

Accident Forgiveness and Vanishing Deductibles Explained

Two loyalty features that sound similar and work on opposite sides of a claim. Here is what each one actually does, what it costs you, and where it is not available.

Loss Assessment Coverage: When the Association Sends a Bill

When a condo or HOA charges owners for a shared loss, loss assessment coverage pays your share. The built-in limit is small, and the deductible sublimit is smaller.

The Additional Coverages Buried in Your Home Policy

Past Coverages A through F sits a list of small, specific coverages most homeowners never read. Several of them pay for things people assume are not covered at all.

After a Burglary: How a Home Theft Claim Works

Theft is a covered peril, but it is the peril where sublimits bite hardest. Here is the claim sequence, the categories that are capped, and the common denial reasons.

Lightning, Power Surges and Damaged Electronics

Lightning is a named peril on every home policy. Surges from other causes are treated differently, and the exclusion that follows is easy to miss until a claim.

Coinsurance and Insurance to Value: The 80 Percent Rule

Underinsuring a home can reduce what you collect on a partial loss, not just a total one. Here is how a coinsurance clause works and why replacement cost provisions depend on it.

Mold: What a Home Policy Covers and What It Caps

Mold coverage is usually excluded and then partly bought back with a low sublimit. Here is how causation decides a mold claim and what the limited fungi endorsement does.

Coverage B: Sheds, Fences and Detached Garages

Other structures coverage is usually a percentage of the dwelling limit, and it is easy to outgrow. Here is what counts as a separate structure and what falls outside it.

When a Tree Falls: Whose Insurance Pays for What

A neighbour's tree on your roof is usually your claim, not theirs. Here is how home policies handle fallen trees, removal costs, and damage to the landscaping itself.

Water Backup and Sump Pump Failure: The Endorsement You Add

A standard home policy excludes sewer backup and sump pump failure. Here is what the water backup endorsement adds, how its sublimit works, and where it stops.

Windshield and Glass Coverage: Repairs, Deductibles and ADAS

Glass claims sit under comprehensive coverage, three states waive the deductible, and modern windshields often need sensor recalibration. Here is how it works.

Frozen Pipes and Ice Dams: Winter Property Claims

Freeze claims are generally covered, with a condition attached: you have to have taken reasonable steps to prevent them. Here is what that means in practice.

Roof Age, Roof Claims and Payment Schedules

The roof is the part of a home policy most likely to be settled differently from everything else. Here is how age changes what a storm claim pays.

This 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.