Stop in for a cup of coffee

We can get zero deductible for glass, but you have to choose it as a specific rider on your policy.

No glass rider, then it falls under the general policy and is subject to the policy deductibles.

My policy has a diminished deductible clause that reduces the deductible for each year I don’t make a claim. My deductible is currently zero.
That kind of policy is not available in CA.