What type of claims is subject to one deductible under multiple property claims?

Scheduled article claims are unique in that they often require a single deductible to be applied across multiple claims for items covered under a single scheduled article policy. This type of claim typically involves valuables that have been specifically listed and individually insured under a single policy limit, such as jewelry, art, or collectibles. When multiple items listed in this schedule suffer damage or loss simultaneously, the insurer usually allows a single deductible to be subtracted from the total claim amount, simplifying the claims process for the insured.

In contrast, the other types of claims often have different structures and considerations. Uninsured auto claims involve coverage specifics that don't typically consolidate deductibles across multiple claims. Liability claims are generally evaluated based on the severity of the incident and the agreed terms of the liability policy, rather than being subject to a deductible on a per-incident basis. Loss and damage claims can also vary widely depending on the nature of the incident and insurance policy stipulations, generally not operating under the same consolidated deductible approach as scheduled article claims do.