Homeowners insurance deductible: choose the correct amount

Be realistic, insurance is a reality. To obtain a mortgage and keep you, the homeowner insurance is a part of the puzzle we have put together to be a homeowner. Even after the mortgage is cancelled, not having insurance is equivalent to stupidity because if something happens, without insurance, you are out. What can we do to minimize the amount we have to scrape together each month by which we can be protected?
One of the aspects of the insurance that affects the cost of "up front" we pay every month is the amount of deductible insurance of homeowners we have to pay if something happens. It is money that we have to pony if there is a fire or a storm or any other calamity for us. Health insurance is quite easy to find out how large part to pay a deductible. If you are healthy and go to the doctor is only for their annual check, but you want to secure homeowners for the big things, then, you can choose a high-deductible. It is much less expensive to pay for a trip to the doctor who has to pay for all the visits are required to meet the deductible. This means that your monthly payment is relatively inexpensive.
The same applies to the owner of the house insurance. If you live in an area where tornadoes and no priority fires on the agenda of the things that worry during the year, then not a deductible higher is a bad thing. Very rarely we will have to pay anything out of his pocket for a problem that will be more expensive than our annual deductible or repair. As with the previous example of health insurance, this means that our monthly payments are relatively cheap. However, not calling insurance without good reason.
Things happen. Fires, floods, storms of extreme snow, ice, hail, wind damage, tornadoes and hurricanes are only part of the list of events which can damage or destroy our homes or businesses. We are stories in the news every day about a disaster somewhere which leaves hundreds, even thousands homeless. If we cannot afford to pay the deductible starting, have kicked in home insurance and everything gets fixed. Reconstructed houses, replaced cars, rehechos ceilings, cleaned of carpet, painted walls, replantados trees, etc. are all served. Is the problem that we cannot allow ourselves this deductible initial?
Requires careful planning to ensure that we covered in a way that makes sense. Many times, the deductible seems as if was not very important, but to insurance covering the part is, that initial amount has to pay. Not helping matters insurance to pay $40,000 to replace a ceiling that is diverted if we can not pay the deductible starting from $7500.  If paying a higher monthly premium means that we cannot afford the deductible when something happens, then have to build that in our budget.  You have a deductible that can afford it can cost an extra $50-100 per year, but extra policy premium money can make a difference in being able to rebuild and having to move away forever. Again, careful planning.