Calculators › Home, Auto & Renters
Turn a percentage hurricane or wind deductible (1%, 2%, 5%) into dollars, and see what you would pay on a storm claim.
Many homeowners policies in coastal and storm-prone states have a separate hurricane or wind deductible written as a percentage. The percentage is of your dwelling coverage, not of the damage — so a 2% deductible on a $400,000 home is $8,000, often many times the regular deductible. This calculator shows the dollar amount before a storm does.
Hurricane deductible = Dwelling coverage (Coverage A) × Deductible %. Insurance pays = Storm damage − Hurricane deductible (never below zero).
On a $400,000 dwelling limit, a 2% hurricane deductible is $8,000 — eight times a $1,000 regular deductible. On $25,000 of storm damage, insurance pays $17,000 and you pay $8,000. At 5%, the deductible is $20,000 and insurance would pay only $5,000.
From the coverage. A 2% deductible on a $400,000 dwelling limit is $8,000 whether the damage is $10,000 or $100,000.
It depends on the policy and state — usually when the National Weather Service names a hurricane or issues a hurricane warning. Some policies use a broader wind/hail deductible for any windstorm. The trigger is defined in your policy.
Sometimes. Many insurers offer several percentages or a flat-dollar option at a higher premium. Compare the premium difference with the extra amount you would pay after a storm.