Landlord insurance deductible concern

[Pavan Kumar]

Im about to close in on my first investment property, a large Single family home . For the landlord insurance, builder finance have given their quote of 1800/yr premium with 2500$ as deductible. I checked with State farm ,since I have everything under them as of now,they gave me a quote of 1200/yr but with 1% of house value i.e 6000$ as deductible .There is no in-between,it starts from 1%, then 2%..3%.

Considering it's a new build , hoping I won't need insurance anytime soon ( fingers crossed) . Should I go in for lower yearly premium vs lower deductible?