HOME insurance deductible is the amount a homeowner must pay for repairs or replacements before insurance kicks in. The owner must pay the deductible to the company or person who oversees the repairs in the home and the insurance company will cover the remainder of the costs, according to the claim approved.

There are different types of deductibles homeowners must have to pay. For example: There may be a standard insurance deductible, which is for a fixed dollar amount or there may be a percentage insurance deductible, which is usually reserved for hurricane or disaster related claims.

Your home insurance deductible can affect your premium and may go up after you file a claim. The deductible, however, will guarantee that your insurance premium is lowered. With home ownership you might want to take into consideration choosing a high or low deductible, when discussing your personal circumstances and needs with your provider.

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