# Deductible on home insurance

**URL:** <https://boards.straightdope.com/t/deductible-on-home-insurance/1019831>\
**Category:** Miscellaneous and Personal Stuff I Must Share\
**Created:** [June 19, 2025, 1:44am UTC](https://boards.straightdope.com/t/deductible-on-home-insurance/1019831 "2025-06-19T01:44:10Z")\
**Posts on this page:** 6\
**Page:** 3

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**Author:** ![Saint\_Cad](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/saint_cad/32/18907_2.png) [@Saint\_Cad](https://boards.straightdope.com/u/Saint_Cad)\
**Post date:** [July 9, 2025, 1:03pm UTC](https://boards.straightdope.com/t/deductible-on-home-insurance/1019831/41 "2025-07-09T13:03:20Z")

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Specific  
Farmer’s to be precise.  
Yeah I don’t understand their claims process as explained.

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**Author:** ![Dewey\_Finn](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dewey_finn/32/4222_2.png) [@Dewey\_Finn](https://boards.straightdope.com/u/Dewey_Finn)\
**Post date:** [July 9, 2025, 1:48pm UTC](https://boards.straightdope.com/t/deductible-on-home-insurance/1019831/42 "2025-07-09T13:48:48Z")

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There’s no appeals process?

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**Author:** ![Saint\_Cad](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/saint_cad/32/18907_2.png) [@Saint\_Cad](https://boards.straightdope.com/u/Saint_Cad)\
**Post date:** [July 9, 2025, 1:52pm UTC](https://boards.straightdope.com/t/deductible-on-home-insurance/1019831/43 "2025-07-09T13:52:06Z")

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I’m researching that. I’ve asked what paperwork they want but no answer yet.

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**Author:** ![xtenkfarpl](https://avatars.discourse-cdn.com/v4/letter/x/c2a13f/32.png) [@xtenkfarpl](https://boards.straightdope.com/u/xtenkfarpl)\
**Post date:** [July 9, 2025, 2:32pm UTC](https://boards.straightdope.com/t/deductible-on-home-insurance/1019831/44 "2025-07-09T14:32:35Z")

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> [@bob\_2](#):
>
> I only have two insurance policies: The car, which is a legal requirement and carries a £500 excess, and the house and contents, so we won’t be homeless if it burns down. I have to pay the first £100 of any claim.

As I’ve noted before, insurance premiums in the UK seem to be much lower than in the US.

One suspects that there is an under-the-table unspoken agreement in the US between mortgage lenders and insurance companies which between them have the consumer over a barrel.

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**Author:** ![Maserschmidt](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/maserschmidt/32/18829_2.png) [@Maserschmidt](https://boards.straightdope.com/u/Maserschmidt)\
**Post date:** [July 9, 2025, 2:53pm UTC](https://boards.straightdope.com/t/deductible-on-home-insurance/1019831/45 "2025-07-09T14:53:22Z")

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The US is substantially more litigious.

[The ''Litigious Society'': Why Americans Spend More On Lawsuits Than Brits - Royal Economic Society](https://res.org.uk/mediabriefing/the-litigious-society-why-americans-spend-more-on-lawsuits-than-brits/#:~:text=Americans%20collectively%20spend%20twice%20as,1.2%20per%201%2C000%20in%20England).

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**Author:** ![bob\_2](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/bob_2/32/3341_2.png) [@bob\_2](https://boards.straightdope.com/u/bob_2)\
**Post date:** [July 9, 2025, 4:27pm UTC](https://boards.straightdope.com/t/deductible-on-home-insurance/1019831/46 "2025-07-09T16:27:42Z")

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> [@xtenkfarpl](#):
>
> insurance premiums in the UK seem to be much lower than in the US

Not, I suspect, for vehicles. A young (under 25), newly qualified driver will pay between £1,200 and £2,500 annually, depending on the car and their postcode. And that’s after taking a test that lasts 45 minutes on congested streets.

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