I always go with highest deductible possible on any insurance I get...you don't want to put in a lot of claims anyway for the small stuff because they end up getting you screwed with higher premiums and possible cancellation...insurance is for those things that you couldn't afford to replace if the worst happens...not to cover every little item that pops up.
I've owned homes since I was 21 and never put in for a single claim, but can't complain much about my HO ins...under $1000 premium for full replacement cost (house and several outbuildings) plus a $2M umbrella policy...guess there is a benefit from not living in a hurricane zone 
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