A plan year deductible resets based on the date your property insurance policy starts, rather than the calendar year. Once met, it covers all claims within that 12-month cycle.
Common In: Commercial property insurance plans or policies with non-standard renewal dates.
Example: If your policy renews every July 1 and you meet your $3,000 deductible with a roof claim in August, a second covered claim in May won’t require another deductible—until the plan renews.
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