Do I have to pay a deductible if I file a claim under my insurance ?(house insurance)?
Thursday, March 11th, 2010 at
9:32 am
sargis06 asked:
Someone broke into my house yesterday. Do I have to pay a deductible if I fle a claim under my insurance? They stold our tv, house phone, PS2 & 3 , laptop and other things. Our deductible is 1200.00, insurance company is Texas Fair Plan in TX.
Someone broke into my house yesterday. Do I have to pay a deductible if I fle a claim under my insurance? They stold our tv, house phone, PS2 & 3 , laptop and other things. Our deductible is 1200.00, insurance company is Texas Fair Plan in TX.
Tagged with: House Insurance • Insurance • Ps2
Filed under: Homeowners Insurance
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There are different times of deductible. The $1200. is probably if your house is burned or damaged. There is probably a different deductible if some breaks into your home. ( I am sorry I cannot remember the correct terminology) But yes, most likely you will pay a deductible.
sure -but with that if it cost as much or close to the deductible then I would not file as you will then have a claim on record
yes.
You will have to pay your deductible before you can use the coverage.
You mentioned that you are with Fair Plan.
In CA, Fair Plan doesnt have coverage for theft/burglary/vandalism. Its only for fire, and ppl go through that company if they cant get insurance elsewhere (due to brush etc).
It might be different in Texas, but I would double check.
Of course you do.
Yes. Any time you file a property claim under your own policy, you pay a deductible.
And theft coverage is NOT automatically included on all Texas Fair Plan policies.