Anyone have thoughts on home insurance deductible? I'm currently at $2000 and thinking about increasing to 5000 which would save about 350/yr in premium. If I have the emergency fund to easily cover it, any reason you wouldn't do this? I feel like I would really only make a claim for something catastrophic.
Note, I'm in Charlotte, NC and I do have a lot of trees around my property.

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I bet the vast majority of people never have a homeowners claim.

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That's what I'm thinking. I actually asked and waiting for them to also provide quote at 8 and 10k deductible.

What’s your total premium. I just looked at my policy and I have a $1,000 deductible except for claims related to broken pipes which is $10,000. My premium is $4500. Now I’m wondering what would happen if I raised my deductible to $10,000.

Total premium is $2600 on the 2k deductible. Paid 750k for the house in 2023, not sure the total coverage.

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