What Is The Average Deductible For Home Insurance? 
The answer to this is that it really depends on what replacement cost and geographically where your home is located . Here in the greater Atlanta area a $ 1000 deductible is quite common . What we see in the Tucson area -LRB- an area where there are not frequent wind storms -RRB- there is more likelihood of the deductible being $ 500 . And in Texas and some other states percentage deductibles have been the norm for decades . So in Texas it is not uncommon to see a 1 % wind and hail deductible an 1/2 % all other perils deductible . Lastly , there are some elements of this that is dependent of the size and replacement value of homes . If you are insuring a 700,000 home or greater , then a $ 2,500 deductible is quite common . 