"Because of this, I avoid making any claims unless absolutely required."
This is economically efficient behavior - and in fact you should set your deductible to the highest amount you can afford out-of-pocket, as insurance is really only efficient for amounts above that. You should be aiming towards insuring catastrophic loss - eg, a fire that burns your whole house down.
This is economically efficient behavior - and in fact you should set your deductible to the highest amount you can afford out-of-pocket, as insurance is really only efficient for amounts above that. You should be aiming towards insuring catastrophic loss - eg, a fire that burns your whole house down.