Home insurance deductible comparison

Enter two quotes for the same home and comparable coverage to see the trade-off between your deductible and annual premium.

Lower deductible ($)

Annual premium with lower deductible ($)

Higher deductible ($)

Annual premium with higher deductible ($)

Compare quotes

How to use this comparison

Additional deductible exposure is the higher deductible minus the lower deductible. If the higher deductible saves money annually, simple break-even years are that additional exposure divided by annual savings.

This simplified comparison ignores claim probability, coverage differences and premium changes. It is not a prediction or recommendation. Check policy terms and whether you can afford the deductible if you make a claim.

The National Association of Insurance Commissioners explains homeowners deductibles.