How much would the insurer pay if the total contents stolen are worth $10,000 with an additional $3,000 in cash and a $250 deductible?

To determine the amount the insurer would pay in the event of a theft, it is essential to consider both the total value of the stolen items and the deductible applied to the policy. In this scenario, the total value of the stolen contents is $10,000, which includes $3,000 in cash.

When calculating the insurance payout, the deductible of $250 must be subtracted from the total loss. Therefore, the calculation is straightforward:

1. Start with the total loss: $10,000.

2. Subtract the deductible: $10,000 - $250 = $9,750.

This results in a payout of $9,750 from the insurer. The inclusion of the personal property value and cash in the total doesn’t affect the calculation as long as both are covered items under the policy. Hence, the insurer would pay $9,750 after accounting for the deductible, which confirms that this is the correct answer.