What your storm deductible actually comes to in dollars, and whether raising your regular deductible is worth the exposure. Estimates only — not a quote.
A typical 2% catastrophe deductible on $300,000 of coverage means you pay the first $6,000 of storm damage yourself — 6x the $1,000 deductible that applies to everything else. That is $5,000 more you would need on hand after a named storm than after a kitchen fire.
Shown on Arizona’s reference coverage level of $300,000. Enter your own coverage above for your number.
READ THIS ONE WITH CARE - Arizona is a weaker case than a Gulf or Plains state, and the flag is set true on carrier practice, not on law. Arizona has no statute mandating or structuring a catastrophe deductible, and it is not on the Insurance Information Institute's list of states with hurricane or windstorm deductibles. What it does have is a monsoon season (June 15 to September 30) that produces damaging straight-line wind, blowing dust and hail, and carriers have responded by writing a SEPARATE wind-and-hail deductible into Arizona homeowners policies. Where that second deductible appears it is typically 1% to 2% of the dwelling limit, with 2%, 3% and 5% options offered and a $5,000 flat alternative at some carriers; the wind-hail deductible is generally required to be equal to or greater than the all-other-perils deductible. 2% on a $300,000 dwelling limit is $6,000 out of pocket. IMPORTANT QUALIFIER: this is not universal in Arizona the way a hurricane deductible is universal in Florida. It is concentrated in ZIP codes with hail and monsoon loss history, and a single flat deductible with no wind-hail split is still perfectly ordinary elsewhere in the state. An Arizona homeowner must read the declarations page rather than assume either structure.
This needs your two real quoted premiums. We deliberately don’t apply a “typical savings” percentage: deductible credits vary by carrier, state, and filing, so a made-up multiplier would give you a break-even that looks precise and isn’t. Ask your insurer to quote both deductibles — it takes one phone call, and the answer is specific to you.
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