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Raising home insurance deductible
Quick answer
Raising your deductible from $500 to $2,500 typically cuts premium 15–25%. Worth it only if you can comfortably absorb the higher out-of-pocket on a claim.
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Financing options
Most homeowners pay cash for smaller jobs, use a HELOC or home equity loan for larger projects, or take a renovation loan when equity is limited.
Insurance considerations
Homeowners insurance covers sudden, accidental damage from a named peril. Gradual wear and maintenance issues are excluded — a home warranty may help close that gap.
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Last updated: 1970-01-01