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Additional Details
It seems like only 1 out of 10 people use them around here.... |
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 My health ins. premium went up again. What is causing this? I am fed up.? |
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Paula | How much of a deductible do most people have on their home insurance? |
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Sue
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I am an insurance agent - I would say most of the smaller homes (under $200,000) have probably $250 or $500. Average sized homes ($200,000 to $300,000 or so) have $500 or $1,000. The larger homes have $2,500 & the enormous (well over $1,000,000) have $5,000 or $10,000. The larger the home, the larger the premium so the bigger the credit for taking a higher deductible. It would not be worth it for a small home to take a huge deductible because if the premium is only $500 per year, a 10% savings is not much, but if you are talking about a $15,000 premium, a 10% savings is a lot. |
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afewz2
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i have $500.00 |
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david c
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I used to Underwrite for a major insurance carrier and you need to look at the policy-there is no easy answer. A lot of polocies have a deductible for the dwelling( actual house ) and then a seperate deductible for damage to the dwelling caused by wind( Imagine thinking you had a $500 deductible and then a windstorm ripped off all the shingles and you find you have a 3% deductible on a $200,000 house-that's 6,000!!!
You also have endorsements for things like jewelry they may have a different amount to.....
Really you can have a variety of deductibles depending on what you want to cover... |
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sadee k
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may 600$
http://www.insurance-assurance.110mb.com |
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lisa m
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All 3 homes that we've owned has had a $1000 deductible. |
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robscob311
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what can you afford and what is the premium difference?
Can you afford to pay $500 out of pocket? A $1000? in the event of a claim?
$500 is most common, but if increasing from 500 to 1000 saves you $50 a year is it worth it? A lot of times it is that small of a difference. Check with you agent and ask them to run different deductibles. If they fuss about it or give you trouble. The switch agents or call my company. |
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