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A homeowner’s insurance deductible is the amount the homeowner must pay in the event of repairs or replacements that need to be made before the insurance deductible plan kicks in. You would have to 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 may have to pay. For example: There may be a standard insurance deductible which is a fixed dollar amount deductible. There is also a percentage insurance deductible which is usually reserved for hurricane or disaster related claims. Your home insurance deductible can affect your premium. Your insurance premium may go up after you file a claim, regardless of your deductible. The deductible however will guarantee that your insurance premium is lowered. Having a deductible comes in handy. It’s necessary, and it’s up to you to choose whether you want a high insurance deductible or a lower insurance deductible.
With homeownership you might want to consider higher deductibles if:
- You have enough savings to cover $1,000 to a few thousand dollars for your deductible in an event of a disaster.
- You’re comfortable with paying for repairs in your home, or replacements yourself.
- You would rather pay lower monthly or annual premiums.
NO DUK will eliminate your high deductible!!!
With homeownership you may want to consider a low deductible if:
- You don’t want to jump into the risk of paying more money out of pocket if disaster strikes, and you need to file a claim.
- You rather pay more upfront costs for insurance premiums and less when you have deductible in the event that you need to file a claim.
- You live in a high-risk area where there is frequent theft and or property damage.
For as little as $9.99 a month No Duk will eliminate your deductible.
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