Some insurance companies offer limited coverage or may not insure older homes. The number of fire hydrants and fire departments and the availability of water are just some factors which determine your area's fire protection class. If you reside in an area without fire protection, you will pay more for fire insurance. The deductible applies only to coverages on your house and personal property. It is the amount you have to pay out of your pocket on each claim.
Insurance only attaches once the deductible amount is exceeded.
Section C. Basic Coverages Included in Homeowner's Policies C.1. Property damage coverage helps pay for damage to your home and personal property caused by such perils as fire, lightning, windstorm or hail. The perils of flood and earthquake are not covered. You should carefully read your policy before you have a loss to determine exactly what types of losses will be covered. However, high valued personal property such as jewelry and cameras should be scheduled on the policy so that you are adequately protected to avoid the possibility of these items not being fully covered at the time of loss.