When applying, opt for a high deductible as it lowers your Ohio home owner’s insurance rate. Make it as high as you can afford with relative ease and you’ll get considerable discounts.

Remember, though, that you’ll have to provide this amount if you make a claim.

Someone who previously settled for a deductible of $500 will save as much as 25% more if they choose a deductible of $1,000. Settling for a high deductible will reduce your home insurance premiums — Always. Just ensure it’s an amount that you can produce easily when you make a claim.

It makes sense to make it as high as possible provided you can pay it conveniently.