Which deductible may NOT apply to a coastal property policy?

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Multiple Choice

Which deductible may NOT apply to a coastal property policy?

Explanation:
In a coastal property policy, deductibles apply to property losses from covered perils, not to liability claims. Deductibles are common for physical damage to the dwelling or contents caused by perils like wind or hail, and flood may even have its own policy deductible (often through a separate flood policy). Liability coverage, which handles injuries or damages you cause to others, typically has no deductible in standard forms—the insurer handles defense costs and settlements up to the policy limits without a deductible subtraction. So the deductible that cannot apply here is the one for liability.

In a coastal property policy, deductibles apply to property losses from covered perils, not to liability claims. Deductibles are common for physical damage to the dwelling or contents caused by perils like wind or hail, and flood may even have its own policy deductible (often through a separate flood policy). Liability coverage, which handles injuries or damages you cause to others, typically has no deductible in standard forms—the insurer handles defense costs and settlements up to the policy limits without a deductible subtraction. So the deductible that cannot apply here is the one for liability.

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