1 percent of value of house for house burning down or blowing down
2 percent of value for hail and wind and flood
We have always had our deductible higher,.
also you might consider that the value of your house had gone up and also the cost of replacing it since you bought it. We bought ours for 103,000 and our insurance man suggested that since it would cost 135,000 to replace it now to put the coverage of insurance up to 140,000.