How High Should My Homeowners Insurance Deductible Be? 
Most of the insurance companies now use a claims surcharge program for claims except wind and hail . With this in mind it makes sense to carry a higher deducitble to not only save money but to avoid a claims surcharge for smaller claims . We mostly write a $ 1,000 deducitble as minimum but we are seeing many customers increasing their home insurance deducitble to $ 2,500 especially when they own the property free and clear . 