A per-claim deductible requires the policyholder to pay the deductible each time a new, unrelated claim is filed. It applies to each separate incident, regardless of timing.
Common In: Standard homeowners, renters, and property insurance policies.
Example:
- March – Hail damages your roof → You pay a $2,500 deductible
- July – A kitchen fire causes smoke damage → You pay another $2,500 deductible