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Home Insurance. Sunday , December 24th , 2017 - 00:58:42 AM

3. A higher deductible will result in lower rates so choose accordingly when applying. For those who already have a home insurance policy that offers them satisfactory value, you'll lower your rates by opting to pay a higher deductible.Just bear in mind that this is the amount the law requires you to contribute if you file a claim and that your insurer will not pay if you don't pay it.A person who previously chose a deductible of $500 will save as much as 25% if they opt for a deductible of $1,000. Choosing a high deductible will bring down your home insurance rates -- Always. But before you choose the highest amount of deductible there is, can you really afford it with relative ease if you ever make a claim? It makes sense to make it as high as possible as long as you can afford it with relative ease.

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