You need to pay the first 5% for each claim you file against the home inverter insurance cover. This percentage is subjected to a minimum amount of Rs. 1,000 for the maximum insured amount of Rs. 20,000 or Rs. 2,000 for the maximum insured amount of over Rs. 20,000 to 50,000. This is valid unless your insurance provider particularly reviews or changes it and mentions the details in the Certificate of Insurance.