{"id":45858,"date":"2024-07-08T12:59:05","date_gmt":"2024-07-08T16:59:05","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=45858"},"modified":"2025-05-19T09:25:35","modified_gmt":"2025-05-19T13:25:35","slug":"what-is-a-good-deductible-for-home-insurance","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/what-is-a-good-deductible-for-home-insurance","title":{"rendered":"What Is a good deductible for home insurance"},"content":{"rendered":"\n<p>Filing a home insurance claim can be stressful. In addition to your home being damaged, you also have to pay a deductible before your insurance kicks in. Fortunately, you get to choose your deductible amount beforehand. So what is a good deductible for home insurance?<\/p>\n\n\n\n<a id=\"back-to-top\"><\/a>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#deductible\">What is a home deductible?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#deductible-types\">Deductible types<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#high\">High vs. low deductible<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#works\">How a deductible works<\/a><\/span><\/li><\/ul><\/div>\n\n\n\n<a id=\"deductible\"><\/a><h2 style=\"margin-bottom:0px;\">What is a home deductible?<\/h2>\n\n\n\n<p>Every <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/ma\">home insurance policy<\/a> comes with a deductible. This is the amount of money you pay out of pocket toward repair or replacement costs when you file a claim. Your home insurance carrier will then cover the remaining expenses, up to your coverage limit.<\/p>\n\n\n\n<p>A deductible is separate from your insurance premium, which you pay every year to your insurance carrier whether you file a home claim or not. In most cases, you\u2019ll pay your deductible amount directly to the contractor repairing your home.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>When a deductible applies<\/strong><\/h3>\n\n\n\n<p>A deductible will apply on most home insurance claims. That\u2019s because most claims are made against the <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-is-dwelling-insurance\">dwelling<\/a>, personal property and <a href=\"https:\/\/www.plymouthrock.com\/resources\/other-structures-coverage\">other structures<\/a> coverages within your home policy. Other types of coverages do not have deductibles, including personal liability and medical payments. If a specific coverage or peril does not have a deductible, it will be stated in your policy.<\/p>\n\n\n\n<div style=\"border:1px solid #0092D2; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px;\"><tr><td style=\"background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:50%;\"><strong>Coverages with deductibles<\/strong><\/td><td style=\"background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:50%;\"><strong>Coverages without deductible<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Dwelling<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:middle;\">Personal Liability<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Personal Property<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Medical Payments<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Other Structures<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">&nbsp;<\/td><\/tr>\n\n<\/table><\/div>\n\n\n\n<p>Additionally, some home insurance policy endorsements, riders and scheduled personal property (e.g., jewelry, furs, etc.) don\u2019t have a deductible.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Average home insurance deductible<\/strong><\/h3>\n\n\n\n<p>Standard homeowners insurance deductibles often range from $500 to $2,000, although they can be higher or lower depending on your insurance carrier and budget. With a standard flat deductible, the amount you pay out of pocket typically won\u2019t change over time unless you modify your home insurance policy. Percentage deductibles change as your home\u2019s insured value changes.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"deductible-types\"><\/a><h2 style=\"margin-bottom:0px;\">Deductible types<\/h2>\n\n\n\n<p>When it comes to deductibles, homeowners can either pay a flat amount or a percentage of their home insurance coverage. Here\u2019s the difference.<\/p>\n\n\n\n<ul style=\"margin-bottom:15px;\"><li><strong>Flat deductible<\/strong><br>You pay a fixed dollar amount\u2014such as $500 or $1,000\u2014each time you file a home claim. This is the deductible type most people are familiar with, as it applies to most home policies. A flat deductible will stay the same, no matter the cost of the damage to your home.<\/li><li><strong>Percentage deductible<\/strong><br>You pay a percentage of your home\u2019s insured value\u2014typically between 1% and 10%. So, if your home\u2019s insured value is $400,000 and comes with a 2% deductible, you would pay $8,000 out of pocket when filing a claim. These deductibles usually apply to specific weather-related home claims like wind, hail or hurricanes.<\/li><\/ul>\n\n\n\n<p>Specialty insurance policies, which cover natural disasters like earthquakes and <a href=\"https:\/\/www.plymouthrock.com\/insurance\/flood\">floods<\/a>, also have deductibles. These policies are separate from your standard home insurance policy.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"high\"><\/a><h2 style=\"margin-bottom:0px;\">High vs. low deductible<\/h2>\n\n\n\n<p>As a homeowner, you get to decide how much you want your homeowners insurance deductible to be. A higher deductible means you\u2019ll pay more upfront before your insurance pays out the remainder of the claim. As a reward, your insurance company will often lower your annual premium.<\/p>\n\n\n\n<p>On the other hand, a lower deductible minimizes your out-of-pocket responsibility for covered home claims, but usually results in a higher annual premium.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<table style=\"margin-bottom:0px;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: left;\"><strong>Higher deductible amount\u00a0\u00a0\u00a0<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"line-height:21px; height:100px;\"><ul style=\"padding-left:10px;\"><li>Lower annual premium<\/li><li>Higher out-of-pocket amount if there\u2019s a claim<\/li><\/ul><\/td><\/tr>\n<\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<table style=\"margin-bottom:0px;\n    vertical-align: top;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: left;\"><strong>Lower deductible amount<\/strong><\/td><\/tr>\n\n<tr><td class=\"resources-column-height\" style=\"line-height:21px; height:100px;\"><ul style=\"padding-left:10px;\"><li>Higher annual premium<\/li><li>Lower out-of-pocket amount if there\u2019s a claim<\/li><\/ul><\/td><\/tr>\n<\/table>\n<\/div>\n<\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Choosing a deductible<\/strong><\/h3>\n\n\n\n<p>When choosing a home insurance deductible, it\u2019s important that you consider your financial situation. If you can comfortably afford more out-of-pocket costs, you might want to choose a higher deductible amount\u2014say, $2,000 or more\u2014to secure a lower annual insurance premium.<\/p>\n\n\n\n<p>On the other hand, if you don\u2019t have money saved to cover unexpected expenses like a deductible, you may want to choose a lower deductible until you can build that emergency fund up. Just remember that a lower deductible also requires paying a higher premium.<\/p>\n\n\n\n<p>Either way, it\u2019s a smart idea to get a few quotes with different home insurance deductibles to compare premium rates. For instance, if there isn\u2019t a big difference in your premium between a $1,000 and $2,000 deductible, you may want to pick the lower one.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"works\"><\/a><h2 style=\"margin-bottom:0px;\">How a deductible works<\/h2>\n\n\n\n<p>If you file a homeowners insurance claim, you should pay your deductible after you receive a settlement amount from your insurance carrier. Here are some general steps in the claims payment process:<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"45854\" class=\"elementor elementor-45854\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d5bd34e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d5bd34e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-676d396\" data-id=\"676d396\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-009da38 resource-slider elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-pagination-position-inside elementor-widget elementor-widget-slides\" data-id=\"009da38\" data-element_type=\"widget\" data-settings=\"{&quot;autoplay_speed&quot;:13000,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;,&quot;transition_speed&quot;:500}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slides\" dir=\"ltr\" data-animation=\"fadeInRight\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-0f41a20 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step 1<\/div><div class=\"elementor-slide-description\">Homeowner files a home claim with their insurance carrier.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-eb3115f swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step 2<\/div><div class=\"elementor-slide-description\">Insurance carrier evaluates all covered damages.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-adc1685 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step 3<\/div><div class=\"elementor-slide-description\">Insurance carrier sends the homeowner a claim check for the cost of the damage minus the deductible.<\/div><\/div><\/div><\/div><div class=\"elementor-repeater-item-c5ae8a7 swiper-slide\" role=\"group\" aria-roledescription=\"slide\"><div class=\"swiper-slide-bg\" role=\"img\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Step 4<\/div><div class=\"elementor-slide-description\">Homeowner pays the deductible amount to their contractor, as they are the ones repairing the damage to the property.<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next slide\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h3 style=\"margin-bottom:0px; margin-top:15px; font-size:18px;\"><strong>Examples<\/strong><\/h3>\n\n\n\n<p>Let\u2019s assume that your insurance company approves your home claim for $10,000 in damages to your roof and that your deductible is $2,000. In this scenario, you would pay for the first $2,000 in expenses and your insurance carrier would cover the remaining $8,000.<\/p>\n\n\n\n<p>Here are some more scenarios:<\/p>\n\n\n\n<div style=\"border:1px solid #0092D2; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px;\"><tr><td style=\"background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:25%;\"><strong>Your deductible<\/strong><\/td><td style=\"background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:25%;\"><strong>Amount of damage<\/strong><\/td><td style=\"background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:25%;\"><strong>Amount your insurer pays<\/strong><\/td><td style=\"background-color:#0092D2; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:25%;\"><strong>Amount you pay<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">$1,000<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:middle;\">$20,000<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:middle;\">$19,000<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; vertical-align:middle;\">$1,000<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">$1,500<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">$14,500<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">$13,000<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">$1,500<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">$3,000<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">$9,750<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">$6,750<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">$3,000<\/td><\/tr>\n\n<\/table><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>What happens if you have a claim and the cost of repairs is less than your deductible?<\/strong><\/h3>\n\n\n\n<p>In this case, there\u2019s no need to file a claim. You would just pay the contractor out of pocket and your insurance company wouldn\u2019t pay anything.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>What happens if the cost of repairs isn\u2019t much higher than your deductible?<\/strong><\/h3>\n\n\n\n<p>Let\u2019s say that a fallen tree limb causes $6,000 worth of damage to your roof, and you have a $5,000 deductible on your home policy. Under these circumstances, you may not want to file a claim for two reasons:<\/p>\n\n\n\n<ul><li>Not filing a claim will keep you eligible for a <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/discounts-benefits\">Claims Free discount<\/a>.<\/li><li>Generally speaking, you may see a surcharge on your home insurance premium for the next five years if you file a claim. Therefore, it may not make financial sense to file the claim just to save $1,000.<\/li><\/ul>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>What happens if I file more than one claim in a year?<\/strong><\/h3>\n\n\n\n<p>Your home insurance deductible applies to each claim. So, if you file multiple claims in one year, you must pay the full deductible amount each time before your policy benefits kick in. The deductible will be applied for every separate occurrence.<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>As a homeowner, you can choose your deductible amount. So what is a good deductible for home insurance? Keep reading to find out.<\/p>\n","protected":false},"author":6,"featured_media":45859,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[79,83,80,81,82,84],"class_list":["post-45858","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is a good deductible for home insurance | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"As a homeowner, you can choose your deductible amount. So what is a good deductible for home insurance? 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