Your deductible is the out-of-pocket amount you’re responsible for before your insurance coverage applies. For example, if you have a $500 deductible and $2,000 in damages, you would pay $500 and your insurance would cover the remaining $1,500.
Deductible amounts vary by policy and coverage type (auto, home, etc.). You can find your specific deductible listed on your policy’s Declarations Page, or contact us and we’ll confirm it for you.

It depends on the type of claim and your policy.

• At-fault claims often lead to premium increases.

• Not-at-fault claims may not impact your rate, but sometimes frequent claims (even if small) can.

• Some policies include accident forgiveness, which means your first at-fault accident won’t raise your rate.
  We review each situation individually to help you understand how a claim may affect your premiums.

Coverage depends on your specific policy and the type of claim. Commonly covered events include accidents, weather damage, theft, and certain liability claims—but exclusions and limits may apply.
If you’re unsure whether a situation is covered, reach out to us before filing. We’ll review your policy with you and give you a clear answer, so there are no surprises.