Deductibles
A higher deductible transfers more of each loss back to the household.
The lowest premium is not automatically the best financial decision.
Flat and percentage deductibles
Home policies may use flat deductibles for most losses and separate percentage deductibles for wind, hail, hurricane or named storms. Convert percentages into dollars.
Auto deductibles
Collision and comprehensive deductibles can differ. Glass coverage may have separate treatment.
Emergency savings
Choose amounts the household can pay without delaying repairs or creating financial strain.
Claim frequency
Insurance is primarily for significant unexpected loss. Consider the premium savings, likely claim size and long-term effect of frequent small claims.
Complete household protection