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@vitagenlab Pretty wide range. Wind losses, tree issues, HVAC leaks, and light construction homes on the West Coast tend to have claims more often but the losses tend to be smaller.

@justmeoverhere Here's the quick math. It would take you 2.5 years to recoup the money you would spend in the event of a loss (2,500 additional deductible/1000 savings per year = 2.5). Typically have losses 1 in 7 years in a low-risk environment or 1 in 5 years in med-higher risk. The odds are...