Latest / The Emergency Fund Podcast with Fexingo: Cash Reserves, Saving, and Financial Cushion
How Your Emergency Fund Can Cover a Homeowners Insurance Deductible
Lucas and Luna break down why your emergency fund should include enough to cover your home or renters insurance deductible. They discuss the national average deductible of around $1,500, how a single claim can strain unprepared households, and why the number one reason people don't file claims is fear of the upfront cost. The episode walks through the logic of sizing your cash reserve to match your deductible, using real scenarios from a 2025 Insurance Information Institute survey. They also touch on the difference between a dollar deductible and a percentage deductible for wind and hail…
The skinny
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