A standard peril deductible is the amount a homeowner must pay out of pocket before their home insurance coverage begins. This deductible is typically paid to the contractor or subtracted from the claims settlement when a covered claim is paid.
The Coverage tab in the Portal allows you to select the deductible amount.
- Virginia: The Standard Perils deductible cannot exceed 10% of the Replacement Cost Estimate (RCE).
There are minimum deductibles of $2,500 on policies with an RCE less than $1M and $5,000 on policies with an RCE at or over $1M in effect for the following states
| State | Effective Date |
| Connecticut | New and renewal business quoted on or after 5/2/2024. |
| Pennsylvania | New business quoted on or after 6/3/2024 and renewal business on or after 2/10/2025. |
| Delaware | New and renewal business quoted on or after 8/5/2024. |
| Oklahoma | New business quoted on or after 10/31/2024 and renewal business on or after 1/21/2025. |
| Tennessee | New business quoted on or after 11/12/2024 and renewal business quoted on or after 1/12/2025. |
| Indiana | New business quoted on or after 11/14/2024 and renewal business quoted on or after 1/14/2025. |
| Illinois | New business quoted on or after 12/10/2024 and renewal business on or after 2/10/2025. |
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