Which type of policies are commonly written without deductibles?

The selection of personal auto liability and homeowners liability as the type of policies commonly written without deductibles is accurate due to the nature of these coverages.

In personal auto liability insurance, the coverage is designed to protect you from claims made by others for bodily injury or property damage caused in an accident. Since this component of insurance is primarily about protecting against third-party claims rather than covering the insured's own losses, it typically does not involve a deductible. This makes it straightforward, as policyholders are not required to pay out-of-pocket expenses before the insurance coverage kicks in for liability claims that they are responsible for.

Similarly, homeowners liability coverage protects homeowners from claims arising from injuries or damages occurring on their property. Like auto liability, this aspect of coverage does not involve deductibles. The rationale here is that liability insurance is intended to cover the costs of defending against claims and compensating the injured parties without requiring the policyholder to incur initial out-of-pocket costs for these specific liabilities.

In contrast, certain other types of policies mentioned, such as commercial property policies and workers' compensation policies, may include deductibles as a means to reduce premium costs and to encourage policyholders to share in the losses. Additionally, while homeowners policies may have components that include deductibles