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WebMay 30, 2024 · A family’s home burns to the ground during the holiday season. The homeowners policy has $250,000 in dwelling coverage with a $2,000 deductible. The insurance company would settle the dwelling claim for $248,000. A tree limb smashes a home’s window, which costs $200 to repair, and rain destroys a $3,000 sofa. WebStep 1: File your home insurance claim. Call us or start a claim online 1 immediately after a loss to your home, personal property, or belongings. Protect your property from further damage by making temporary repairs or obtaining emergency services as necessary. Make sure to save all receipts. Complete an inventory of the damaged or stolen ... WebMar 9, 2024 · What is a homeowners insurance deductible? The deductible is the amount you pay when you file a claim. There are three types of deductibles: Flat—This deductible is a set dollar amount, like $1,000.; … rotfiend contract