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Explanation: Eso si es un seguro contra daños; también puede referirse a "tiempo de carencia", en otros tipos.
Acá un ejemplo de "tiempo de carencia":
The policy deductible, or the amount of time (usually a number of days) the insured elects to wait before disability benefits are paid. Typically, the longer an individual can wait before receiving funds from the insurance company, the lower the price of the policy http://www.nefn.com/Tools/Glossary/default.cfm?request=E&exa...
Esto se refiere a "franquicia":
For example: Your home's estimated replacement value (RCV) is $100,000. The co-insurance clause requires you carry at least $80,000 (80% of your RCV), so you would be underinsured by half if you bought a $40,000 policy. In such a scenario, the company would pay half of a loss less the policy deductible - so if you had a $500 deductible and suffered a $10,000 covered loss, your policy would only pay $4,500