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: The fixed amount you must pay out-of-pocket for a claim before your insurance company pays the rest.

While needs vary, experts typically recommend prioritizing these four types of insurance: The ultimate guide to home insurance in Canada toinsurance

: Specific situations or items that are not covered by your policy, often found in a dedicated section of your contract. : The fixed amount you must pay out-of-pocket

: The recurring amount you pay (monthly or annually) to keep your insurance active. toinsurance

: The maximum amount an insurer will pay for a covered loss.