Do you have a deductible for each of your units in a MFP ?

[Fedor Volkov]

Hey BP community,

I ran into this situation and thought is worth asking/ flashing for anyone who is just starting.

I’m house-hacking a 3-flat and got 2 insurance claims so far last year (each one on a separate unit, not the one I occupy). Just got a call from my agent saying that my deductible $2500 is paid on each unit separately (so I need to pay $2500 on my first claim and the same amount for the second claim since they were on different units).

Is this a common approach? I found it a bit weird and it was not was I thought originally (need to go back to check my agreement ofc, but thought I’ll ask)