Deductible Factors
Single Family and 2-4 Family Buildings and Contents Policies1,2
Deductible Options Post-FIRM Pre-FIRM
Building/Contents $500 Ded. $1,000 Ded.
$ 500/ $500 1.000 1.100
$1,000/ $500 .975 1.050
$1,000/$1,000 .960 1.000
$2,000/ $500 .930 1.000
$2,000/$1,000 .915 .950
$2,000/$2,000 .890 .925
$3,000/ $500 .890 .950
$3,000/$1,000 .875 .900
$3,000/$2,000 .850 .875
$3,000/$3,000 .825 .850
$4,000/ $500 .850 .900
$4,000/$1,000 .835 .850
$4,000/$2,000 .810 .825
$4,000/$3,000 .785 .800
$4,000/$4,000 .765 .775
$5,000/ $500 .810 .875
$5,000/$1,000 .800 .825
$5,000/$2,000 .785 .800
$5,000/$3,000 .770 .780
$5,000/$4,000 .755 .765
$5,000/$5,000 .740 .750
Note:
1 Deductible factors for the RCBAP are located on page CONDO 22.
2 The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium, for each policy year.
3 Also applies to residential unit contents in Other Residential building or in multi-unit condominium building.
Single Family and 2-4 Family Building Only or Contents Only Policies1,2
Post-FIRM Pre-FIRM
Building $500 Ded. $1,000 Ded.
$ 500 1.000 1.100
$1,000 .960 1.000
$2,000 .900 .935
$3,000 .850 .885
$4,000 .800 .835
$5,000 .750 .785
Post-FIRM Pre-FIRM
Contents3 $500 Ded. $1,000 Ded.
$ 500 1.000 1.150
$1,000 .950 1.000
$2,000 .850 .900
$3,000 .775 .825
$4,000 .700 .750
$5,000 .650 .675
Note:
1 Deductible factors for the RCBAP are located on page CONDO 22.
2 The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium, for each policy year.
3 Also applies to residential unit contents in Other Residential building or in multi-unit condominium building.
Other Residential and Non-Residential Policies1,2, 4
Discount From Building Only Contents Only
Post-FIRM Pre-FIRM Post-FIRM Pre-FIRM Post-FIRM Pre-FIRM
Bldg/Contents $500 Ded. $1,000 Ded. Amount $500 Ded. $1,000 Ded. $500 Ded. $1,000 Ded.
$500/ $500 1.000 1.050 $500 1.000 1.050 1.000 1.050
$1,000/$1,000 .980 1.000 $1,000 .975 1.000 .980 1.000
$2,000/$2,000 .940 .960 $2,000 .940 .960 .950 .965
$3,000/$3,000 .910 .930 $3,000 .910 .925 .925 .940
$4,000/$4,000 .885 .910 $4,000 .880 .900 .900 .915
$5,000/$5,000 .870 .890 $5,000 .850 .875 .875 .890
$10,000/$10,0004 .800 .800 $10,000 .750 .760 .775 .800
$15,000/$15,0004 .750 .750 $15,000 .675 .685 .700 .725
$20,000/$20,0004 .700 .700 $20,000 .600 .610 .650 .660
$25,000/$25,0004 .650 .650 $25,000 .550 .560 .600 .610
$50,000/$50,0004 .525 .525 $50,000 .450 .460 .525 .535
Note:
1 Deductible factors for the RCBAP are located on page CONDO 22.
2 The ICC premium is not eligible for the deductible discount. First calculate the deductible discount, then add in the ICC premium, for each policy year.
3 Also applies to residential unit contents in Other Residential building or in multi-unit condominium building.
4 Deductibles of $10,000 to $50,000 are available only for Non-Residential Policies.
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Source: NFIP
Rates Effective: 05/01/08
Web Page Updated: 05/21/08