What Is A Good Homeowners Insurance Deductible? 
In a former life I always anwered this question by reminding consumers you have four management areas if you effectively manage your financial affairs . The first area is the `` cash '' or the `` readily available '' funds with no surrender charges . The second area is the `` insurance deductibles '' questions . If I have a $ 1000 deductible on my auto insurance then that $ 100o best be in my checking or savings . The next area is theestate planning of my situation . The fourth area is `` Retirement Planning.I always cringe when I have a client hand me a 1099R during tax season because most individuals do not understand the impact the withdrawal has on their tax consequences . How much `` deductible : should you have-the amount you can keep in your checking or immediately available savings account 