I do not think people are considering that two identical polices with the same insurance company with the only difference being the “Deductable” will result in a big difference in annual rate.
When comparing premiums on a $300,000 home one must consider, do both have or not have sinkhole coverage, flood coverage, and deductable amount. Any one of the three can make the premium vary hundreds of dollars.
Sinkhole coverage and flood coverage do cost extra.
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