What should I set my home deductible as?

When setting deductibles for your home insurance policy, ensure that you can afford the deductible in case of an emergency. Losses often occur at the most inconvenient times. 

Some insurance companies may encourage you to opt for a higher deductible to reduce your insurance premiums. However, increasing your deductible can be risky. For instance, if you agree to a higher deductible, such as $5,000, you may face unexpected events like tornadoes or water damage. Ensure that the higher deductible is justified by the savings on your premium and the potential costs when a disaster occurs. 

Please feel free to reach out if you have further questions or contact your agent.