{"id":47657,"date":"2024-08-28T11:45:50","date_gmt":"2024-08-28T15:45:50","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=47657"},"modified":"2025-02-04T09:37:00","modified_gmt":"2025-02-04T14:37:00","slug":"what-is-a-good-deductible-for-renters-insurance","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/what-is-a-good-deductible-for-renters-insurance","title":{"rendered":"What is a good deductible for renters insurance"},"content":{"rendered":"\n<p>Filing an insurance claim as a renter can be stressful. In addition to your property being damaged or stolen, you also have to pay a deductible before your insurance kicks in. Fortunately, you can select your deductible amount when you buy your <a href=\"https:\/\/www.plymouthrock.com\/insurance\/renters\/ma\">renters insurance<\/a> policy. So what is a good deductible for renters insurance?<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#renters\">What Is a Renters Deductible<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#deductible\">Choosing the Right Deductible for You<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#works\">How a Deductible Works<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"renters\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">What is a renters deductible<\/h2>\n\n\n\n<p>A renters deductible is the amount of money you have to pay up front whenever you file a renters insurance claim. Therefore, if you have a $500 deductible, you will have to pay for the first $500 yourself if your claim is covered by your renters insurance.<\/p>\n\n\n\n<p>For example, let\u2019s say that a pair of bicycles was stolen from your apartment. If the bikes were worth $1,200 and you had a $500 deductible, you would pay the first $500 and your insurance carrier would pay the remaining $700.<\/p>\n\n\n\n<p>Here are some other personal belongings that your renters insurance policy might pay to replace if they were damaged or stolen by a covered event:<\/p>\n\n\n\n<div class=\"home-resources-orange-border2\"><strong>Examples of Covered Items<\/strong> <ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Furniture<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Bicycles<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Televisions<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Computers<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Electronics<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Clothing<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Musical instruments<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Sports equipment<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px; display:block;\">Appliances<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Typical deductible amounts<\/strong><\/h3>\n\n\n\n<p>The two most common renters insurance deductible amounts are $500 and $1,000. However, some carriers offer deductibles ranging from $250 to $2,500 on their renters insurance policies.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Deductible vs. Premium<\/strong><\/h3>\n\n\n\n<p>An insurance deductible differs from your insurance premium. As previously defined, your deductible is the amount of money you pay out-of-pocket toward a covered claim.<\/p>\n\n\n\n<p>Your premium is the amount of money you pay your insurance carrier for a full year of coverage\u2014whether you have a home, renters or condo policy. You can pay your premium monthly, semi-annually or annually. If you don\u2019t pay your premium, your policy will be canceled.<\/p>\n\n\n\n<a id=\"deductible\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">Choosing the right deductible for you<\/h2>\n\n\n\n<p>Choosing the right renters insurance deductible for you depends on your financial situation. If you can afford more out-of-pocket costs, you may want to choose a higher deductible amount\u2014say, $1,000. Your insurance company will then typically lower your annual premium.<\/p>\n\n\n\n<p>However, if you don\u2019t think you can afford unexpected expenses like a deductible, you may want to choose a lower deductible. Just remember that a lower deductible means you\u2019ll pay a higher premium.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 15px 15px; text-align: center;\"><strong>Higher Deductible Amount<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"line-height:21px; height:100px;\"><ul style=\"margin-left:-20px;\"><li>Lower annual premium<\/li><li>Higher out-of-pocket amount if there\u2019s a claim<\/li><\/ul><\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 15px 15px; text-align: center;\"><strong>Lower Deductible Amount<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"line-height:21px; height:100px;\"><ul style=\"margin-left:-20px;\"><li>Higher annual premium\u00a0<\/li><li>Lower out-of-pocket amount if there\u2019s a claim<\/li><\/ul><\/td><\/tr>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n<a id=\"works\"><\/a><h2 style=\"margin-bottom:0px; margin-top:30px;\">How a renters deductible works<\/h2>\n\n\n\n<p>If you file a renters insurance claim, you would pay your deductible after you receive a settlement amount from your insurance carrier. Here is the order of steps in a typical renters claim:<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"47658\" class=\"elementor elementor-47658\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0f1dac6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0f1dac6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-844ef4c\" data-id=\"844ef4c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8564777 resource-slider elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-pagination-position-inside elementor-widget elementor-widget-slides\" data-id=\"8564777\" data-element_type=\"widget\" data-settings=\"{&quot;autoplay_speed&quot;:13000,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\" dir=\"ltr\" data-animation=\"fadeInRight\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-0f41a20 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step 1 <\/div><div class=\"elementor-slide-description\">Renter files a claim with their insurance carrier.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-eb3115f swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step 2<\/div><div class=\"elementor-slide-description\">Insurance carrier evaluates all covered damages.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-adc1685 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step 3<\/div><div class=\"elementor-slide-description\">Insurance carrier sends the renter a check for the cost of the damaged or stolen item, minus the deductible.<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<p style=\"margin-top:15px;\">It may seem obvious, but your insurance company will only cover losses that exceed your deductible. For example, if your $1,300 sofa is damaged by a fire\u2014and you have a $500 deductible\u2014you would receive $800 from your renters insurance company, which you could then use to buy a new sofa.<\/p>\n\n\n\n<p>Conversely, you would not file a renters insurance claim if the amount of your deductible exceeds the value of the item lost or damaged. For example, if you have a $1,000 deductible, then there would be no purpose in filing a claim if you lose something worth $900.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Will I be reimbursed for the item\u2019s actual cash value?<\/strong><\/h3>\n\n\n\n<p>Standard renters policies will only reimburse you for an item\u2019s actual cash value, which takes into account depreciation. For example, if the laptop you purchased for $1,000 three years ago is stolen from your home, and your policy provides for actual cash value, you\u2019ll receive what your laptop was worth at the time of the theft. This may only be $300 due to depreciation.<\/p>\n\n\n\n<p>If you want, you can get reimbursed for the amount it would take to buy the item new, but it will cost you extra. This is called replacement cost coverage.<\/p>\n\n\n\n<p>Here\u2019s a quick explanation of the difference:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center;\"><strong>Actual cash value<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height2\" style=\"line-height:21px;\">Pays you what the item is worth at the time of the theft. It factors in depreciation, which is how much an item decreases in value over time due to age and wear and tear.<\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<table style=\"margin-bottom:0px; display: inline-block;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center;\"><strong>Replacement cost value<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height2\" style=\"line-height:21px;\">Pays you to replace the item with a brand new, similar item, without considering age or wear and tear. It is more expensive than actual cash value coverage.<\/td><\/tr>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Will my renters insurance premium go up if I file a claim?<\/strong><\/h3>\n\n\n\n<p>Your renters insurance rates could go up after just one claim and will almost certainly increase if you file multiple claims. So, if you have a $1,000 deductible and lose something worth $1,200, you might decide against filing a claim, since the $200 you would save in the short term may not be worth the added cost of a higher premium in the long run.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Will my insurance carrier pay up to my coverage limits?<\/strong><\/h3>\n\n\n\n<p>After you pay your deductible, your insurance provider will only pay for covered losses up to your coverage limits. For example, if you have a $1,000 deductible and a $20,000 limit on your personal property insurance, then the most your insurance company will pay for a covered loss is $19,000, even if more than $20,000 worth of property is damaged or stolen.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a renter, you can pick your deductible amount. So what is a good deductible for renters insurance? We explain here.<\/p>\n","protected":false},"author":6,"featured_media":47250,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72,106],"state":[79,83,80,81,82,84],"class_list":["post-47657","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home","products-renters","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a good deductible for renters insurance | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"As a renter, you can pick your deductible amount. So what is a good deductible for renters insurance? 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So what is a good deductible for renters insurance? 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