I have $6k deductible on HO insurance. Liability only on cars.
I also nitpick the contents coverage on HO policy, considering we don't own much of value--thrift store finds, old computers, cheap tv. Sentimental value, mostly, and things that couldn't be bought.
Would only claim if loss was catastrophic--insurance is hard to get along the coast, and it would take a big loss to get me to get on their radar.
“One day your life will flash before your eyes. Make sure it's worth watching.”
Gerard Arthur Way