10/19/2026
🏡 Your deductible matters more than you might think!
A lower insurance premium isn’t always the better deal.
For example, if your home is insured for $400,000:
• $1,000 deductible = $1,000 responsibility on a sufficiently large covered claim
• 2% deductible = $8,000 responsibility on a claim subject to that deductible
That’s a $7,000 difference!
Before choosing a homeowners policy, make sure you understand your deductibles—especially whether wind and hail have a separate deductible.
The best insurance decision isn’t always the cheapest. It’s the one that makes sense for your financial situation.
Coverage and deductible provisions vary by policy.