Yeah, percentage deductibles can actually save you money sometimes, especially for smaller repairs. I've had clients who were surprised their fixed deductible cost them more. Switching mid-policy isn't usually a huge hassle, but some insurers might drag their feet a bit...depends on the company.
Good points there—percentage deductibles can definitely be advantageous in certain scenarios. I've seen homeowners surprised by how much they saved on minor roof repairs after storms, especially when compared to their previous fixed deductible. But it's always a bit of a gamble...if you're unlucky enough to have major damage, that percentage can sting. Still, your point about switching mid-policy is reassuring; most insurers I've encountered are pretty reasonable about it, even if they do take their sweet time processing the paperwork.
