The short answer
Raising deductible from $1,000 to $2,500 typically saves 10% of premium; to $5,000 saves ~20%. Break-even math: annual savings × years without a claim > deductible increase. Most homeowners without recent claims come out ahead within 3–7 years. Never raise it beyond what you can pay from savings today.
Frequently asked
- Are wind/hail deductibles separate?
- Yes — 1–5% of dwelling value in wind-prone states. That's the deductible that hurts, not the base $1K.
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