When I first bought the house, I went down the curve of deductibles, at each step asking "what's the payback period for the difference in deductible between cov

When I first bought the house, I went down the curve of deductibles, at each step asking "what's the payback period for the difference in deductible between covered losses that would exceed $50K?" At the short end of the scale, it was in the 5 year range, then went to 8 at $5K, was over 12 at $10K, and over 17 at $25K. That's how I originally settled on $5K. Based on this thread, I just went back and re-priced them (my insurance has a nice-enough online quoter for basic transactions like this). The curve had shortened some and so, while I could pay $25K out of pocket, I upped my deductible to $10K and doubled my personal liability coverage. Starting next month, I'll be saving a little over $500/yr and have a more personal liability coverage to boot. Amusingly, there are coverages that have a $500 deductible. Who the hell wants to even talk to an insurance company over a loss that doesn't significantly exceed a $1K deductible? My insurance discounts include a $495/yr discount for "no claims in the last 5 years". If I had a $500 deductible and had even a $2500 loss, I shouldn't submit it if it would remove that discount for 5 years...