Property Damage Liability — this type of policy covers the cost of repairing any property damage that the «at fault» party causes with their vehicle in an accident. (4autoinsurancequote.com)
Proper homeowners insurance will step in and cover the cost of rebuilding or repairing your property so you can get your home back on track. (trustedchoice.com)
If you refuse to pay the excess the insurer will not repair your property or they may automatically deduct it from any pay out. (insurancelaw.org.au)