Calculators › Claims & settlements

Coinsurance penalty calculator

Commercial property policies reduce every partial claim in proportion to how far the limit falls short of the coinsurance requirement, even on small losses.

Property value ($)Coinsurance requirement (%)Amount insured ($)Loss amount ($)Deductible ($)

This is an educational tool, not a quote or advice. It uses general formulas and the figures you enter. Policy terms, state rules and insurer practice vary, so check anything important with a licensed agent.

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