Deductible higher or lower - rental properties

[Aviv Berkovitch]

Hi,

I always try to figure out what is better higher or lower deductible for rental properties.

I have two offers:

One offer:

Deductible: $2,500 general issues and $5,000 for windstrom/hail damages.

Annual cost: $485

Second offer:

Deductible: $1,000 for any issue

Annual cost: $825

A few comments:

1. My properties are not new but they are in rent-ready condition.

2. I have 13 properties and all of them in the same city in Indiana.

What do you think will be better for the long term?

Thank you

Aviv