Whether it’s your property or your car, you want to avoid having to make claims. So Anything under a couple thousand you’re paying for out of pocket anyways. There’s a sweet spot where the amount of money you save in premium doesn’t increase much as you increase the deductible. And going the other way, premiums start going up substantially for every bit you reduce the deductible. If you’re in that spot, you’ve probably picked the right deductible.
I’m not an insurance agent, so take this as just an average persons opinion. What do others think?