please help build this simulation in excel

You are purchasing insurance for your house.You have three options:

Zero deductible policy that will pay 100% of all expenses for the year costs you $300 per month.

Low dedutible policy that pays out 100% of expenses after the first $5000 for the year costs you $140 per month.

High deductible policy that pays out 100% of expenses after the first $10000 for the year costs you $75 per month.

You expect house damages to this year to follow a discrete distribution as follows:

65% chance of no damages

20% chance of damages light between $4,000 and $10,000 (uniformly distributed)

14% chance of high damages between $25,000 and $50,000 (uniformly distributed)

1% chance of catastrophic damages equal to $250,000.

What policy minimizes your expected expenses after insurance coverage for the year?