Home Owners Insurance (policy questions)

[Rob Bianco]

Maybe someone here with experience will have some insight as I'm still trying to figure out the best approach to insurance, but I think I've found a provider that I like in the Midwest (Kansas City area). 

I've got 2 options apparently. $1,000/deductible (more cost per month) or $2,500 deductible (less cost per month) to file a claim. Not sure how often mother nature requires claims to be filed in this part of the country. How serious is wind and hail in the area? Anyone have a recommendation so I can maximize my ROI ?

The homes are in A-Grade neighborhoods with relatively new roofs

[Rich Kniss]

@Rob Bianco, we get some pretty good storms in KC, and hail is fairly common. If it were me, I'd rather have the comfort of the lower deductible for $144/year. 

If you divide $1,500 (deductible difference) by the yearly amount of $144, you could enjoy the lower deductible for 10 years, and I think you might get a claim once a decade. Just a different way of thinking about it.

REIGuard is who we use for insurance.