{"id":175,"date":"2026-09-30T04:00:00","date_gmt":"2026-09-30T10:00:00","guid":{"rendered":"https:\/\/www.mittenheritage.com\/blog\/?p=175"},"modified":"2026-09-16T15:18:55","modified_gmt":"2026-09-16T21:18:55","slug":"should-you-raise-your-deductible-to-save-money","status":"publish","type":"post","link":"https:\/\/www.mittenheritage.com\/blog\/should-you-raise-your-deductible-to-save-money\/","title":{"rendered":"Should You Raise Your Deductible to Save Money?"},"content":{"rendered":"

If you’re a homeowner, you probably view your home insurance policy as something you hope never to use, even though you’re glad it’s there. If you ever do need to rely on it during recovery after a disaster, your deductible becomes an important factor. At Mitten Heritage Fraternal Society of Insurance, serving Berville, MI, we can help you understand your home insurance deductible and make changes to it if needed.<\/p>\n

What Is Your Home Insurance Deductible?<\/h2>\n

Your home insurance deductible is the amount you’re expected to pay out of pocket when you file a claim. Once that amount is paid, your insurer covers the rest of the claim up to your policy’s coverage limit. Deductibles can range from a few hundred to a few thousand dollars, with $500 or $1,000 being fairly typical amounts.<\/p>\n

How Does Your Deductible Impact Your Premium?<\/h2>\n

Insurance companies weigh several factors when determining your premium, and your deductible is one of them. In many cases, raising your deductible can help lower your annual premium. If you’re looking to save money, ask your agent whether adjusting your deductible could make a meaningful difference. Just keep in mind you’ll need to pay the deductible in full if you ever file a claim, so if a higher deductible would create financial strain, it may be worth keeping it at a more manageable level.<\/p>\n

How Can You Change Your Deductible?<\/h2>\n

You can update your deductible by contacting the team at Mitten Heritage Fraternal Society of Insurance, serving Berville, MI. We can help you make changes to your home insurance policy, including adjustments to your deductible.<\/p>\n

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If you’re a homeowner, you probably view your home insurance policy as something you hope never to use, even though you’re glad it’s there. If you ever do need to rely on it during recovery after a disaster, your deductible becomes an important factor. At Mitten Heritage Fraternal Society of Insurance, serving Berville, MI, we […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[17,64,66,13,7],"class_list":["post-175","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-berville","tag-home","tag-insurance","tag-mi","tag-mitten-heritage-fraternal-society-of-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t