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There are generally no deductibles for the liability portion of a homeowners or auto insurance policy. Instead, the deductibles apply to property damage. So, on in an auto policy, there is a deductible for the optional comprehensive or collision coverage, but not for the liability portion.
With a $2,500 home insurance deductible, the home insurer would pay $1,000, and you'd have to cough up $2,500 for the rest of the $3,500 repair tab. But if you had Zero Deductible insurance, you would file two claims -- one with the home insurance company and another claim on the Zero Deductible policy.n California, for example, the annual premium for a Zero Deductible policy on a $2,500 home insurance deductible is $162. In return, the policy pays the deductible amount for any claim your property insurance company pays. Say, for instance, that burst water pipe caused $3,500 in damage to your home.