Abut that home deductible

I saw this clever picture saying "How can you lower the cost of your homeowner's insurance? Answer; You can raise your deductible...." And, yes, it is true. By raising your deductible you will spend less on home insurance. But, how much? Well, let's think about it. Depending on the amount of coverage you have in place and your current rate, you can expect savings from $20-$100, maybe a bit more. Is that enough for you to increase your deductible? Well, it could be 5-25 years before the savings add up to the additional $500 in deductible you took on. So, consider it a bit differently;
1. $1000 is just not a lot of work on a home. Most/many homeowners can do this work
2. Unlike if your car was damaged, you won't be painting your car after the dent is fixed, you CAN do the work on your home and not pay your deductible out of pocket
3. Personally, I'd rather keep the $20 and buy a pizza for the family than give it to a corporation
4. Ask yourself a few things; When was your last claim? Do I know people who might be able to help if I need it? How much work can I do myself?
Yes, sometimes I hesitate to move someone from a $250 or $500 deductible to a $1000 deductible. Why? Because even though I am all for personal responsibility it just may not be what is best for the customer.
Make your own decision.
Hopefully, these notes help.