How Do You Choose Deductibles?

How do you choose the best deductible for you?



I find it crazy to have 2500 and claim anything less than 10k. Most repairs i've done at home has been over 4-5k and I will pay out of pocket.



Does it make sense to get a 10k deductible if im willing to pay out of pocket for most repairs?



Now if i have a 10k deductible, I wont claim if the damage is 11k. So isnt it essential the same as having maybe 15k deductible?



As experts, when will you actually file a claim and how big are your deductibles?



I think i will only claim if half my house got destroyed, but is the cost saving to out of pocket

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