A 2% wind/hail deductible on a $400,000 home is $8,000 out of pocket before your insurance pays a dime. Deductible buydown coverage cuts that exposure dramatically — sometimes to as little as $1,000.
Across the storm-prone regions of the country, carriers have shifted to percentage-based wind and hail deductibles — 1%, 2%, even 5% of the dwelling coverage. On modern home values, that means thousands of dollars out-of-pocket on a single claim.
For most homeowners, an $8,000-$20,000 surprise expense after a hailstorm is the kind of bill that genuinely hurts.
Deductible buydown is a separate policy that sits behind your main homeowners coverage. When a covered wind or hail event triggers your high deductible, the buydown policy pays the difference between your original deductible and a much lower one — often as low as $1,000.
The premium is typically a small fraction of what you'd save on a single claim. For homeowners in storm-prone areas, it's one of the best risk-transfer values in personal lines.
$8,000
Your out-of-pocket exposure on a wind/hail claim before your homeowners policy starts paying. One bad hailstorm and that's your number.
$1,000
The buydown covers $7,000 of that deductible. Your actual out-of-pocket drops to a manageable number that doesn't break the bank.
~$300-600
Typical annual premium range. One avoided storm pays for years of coverage. We'll quote your specific situation.
Tell us your zip code, home value, and current wind/hail deductible — we'll come back with a quote.
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