What do you pay before you insurance begins payinh?

Answer 1

It depends on your insurance company, and what kind of insurance you are talking about.

Car insurance, you pay deductible if you are At Fault and they'll cover the rest of the repairs. If someone else is at fault, that driver will usually pay everything with their insurance.

Home insurance, you pay for repairs that are not covered (ie plumber, appliance repair). However, your insurance will pay for any damage that was caused to the actual structure of your home. Say you have a leaky pipe, you pay the plumber, but they'll come in and cover all the damage the leak did. Same for an appliance like a washing machine or a dishwasher/fridge. If those leak and damage your floor or cabinets, you pay to repair it but insurance may cover the damage that was done. Most people have a deductible that you still have to pay but beyond that, they'll pay the rest. Hope that answers your question. ^_^