Home Insurance Deductible

A deductible is the part of a covered claim you bear under the policy’s terms. The TDI guide notes that different coverage types may have different deductibles.

Dollar and percentage terms

Some proposals state a dollar amount; others use a percentage for particular perils. Ask what base the percentage applies to and have the insurer show the resulting dollar amount. Do not assume a percentage means a share of the claim total.

Exclusions, depreciation and sublimits can create additional unpaid costs beyond the deductible.

Review choosing a deductible and quote comparisons before focusing on the premium alone.

Sources & review status

Prepared Oct 14, 2026 • Unapproved draft

Editorial draft prepared October 14, 2026. Not yet approved by an insurance or legal reviewer. These sources explain general concepts; your policy, endorsements, insurer and state rules control your coverage.

Reference materials

• Texas Department of Insurance — Home insurance guideRetrieved and reviewed October 14, 2026. Texas consumer guidance; used for general policy concepts, with Texas-specific examples identified rather than generalized.

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