A deductible is the amount shown on the declarations page that reduces a claim payment. It is not the premium, and it is not the coverage limit. The limit is the most the policy can pay. The deductible is what the form subtracts when it pays a covered loss.
What California’s disclosure says
Insurance Code §10102, the residential property disclosure, says the amount of any claim payment is reduced by any applicable deductibles shown on the policy declarations page. That same page lists the limits for the dwelling, contents, other structures, and additional living expenses. An auto policy uses the same idea: the declarations page names a deductible for collision, comprehensive, or both, and that figure is the one that applies to that car. California does not set one deductible that every policy must use.
What to ask
Ask which deductibles are listed, which coverage each one applies to, and whether a separate deductible applies to wind, fire, or another named cause of loss. Choosing a different deductible changes the application. It does not promise a lower price, and this entry does not print one.
Product pages: California car insurance and California homeowners insurance. The auto-liability definition is the liability glossary entry. The amount the policy states is the premium. Spanish: deducible. Index: glossary.
Sources, checked October 13, 2026: Insurance Code §10102.