Yes, read your insurance policy

[Bruce Wrenn]

Raise your deductible. Because I was in the home repair business, I upped our deductible to two grand. Slashed premiums by almost 30%, as most claims are for less than that. Besides if it were less than two grand, I would fix it myself. Labor is usually the larger percentage of repairs. Make sure your insurance is replacement cost, especially with what building materials are now.