Home Owners Insurance – Higher Deductible or Higher Premium?

When buying a Home Owners Insurance, what is the best approach…. Keeping Higher Deductible or Higher Premium?

Whether it is wise to have deductible $ 500/$ 1000 instead of paying 1% or 2% or the dwelling cost and paying higher premium every year or…. keeping deductible 1% – 2% – 3% and paying less premium every year?

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