06/02/2026
💸 Your Deductible Is Basically Your “Damage Threshold”
Think of it like this:
If your deductible is $1,000…
👉 Anything under that = you’re likely paying out of pocket
👉 Anything over that = insurance may step in
So if you have $600 in damage…
You might not even want to file a claim 👀
But if it’s $5,000?
That’s when your coverage really matters.
⚠️ This is why choosing the right deductible is a big deal—not just the cheapest one.
Quick check:
Do you know if yours is $500, $1,000… or more?