Which deductible applies to claims made for individual items in a single incident?

The Per Item Deductible is specifically designed to apply to individual items that are damaged or lost in a single incident. When this type of deductible is in place, it means that for each item that is claimed, the deductible amount must be paid by the policyholder before the insurance coverage begins to pay out for that specific item. This structure is particularly common in policies that cover high-value items such as electronics, jewelry, or collectibles, where each item may be subject to its own deductible amount rather than a broader category or total claim amount.

In contrast, a Per Occurrence Deductible would apply to all claims arising from a single incident regardless of the number of items involved, and an Aggregate Deductible operates on a total basis across multiple claims over a policy term. The Per Claim Deductible generally refers to a set deductible amount that applies to each claim made under the policy but does not differentiate between individual items. Thus, when dealing with claims for individual items in a single incident, the Per Item Deductible is the most appropriate choice.