Choosing a higher home insurance deductible may reduce your premium, but it also increases the portion of a covered loss you may need to absorb. Whether that trade-off makes sense depends on more than the amount shown on your insurance bill. Homeowners should compare the actual premium savings with the additional deductible responsibility and consider
Colorado storms can damage roofs, siding, windows, gutters, and other parts of a home. When that happens, the cost of repairs is only one part of the insurance claim. Your deductible, coverage limits, property valuation method, and policy terms can all affect how much you may pay out of pocket. Understanding your home insurance deductible
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