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 1% catastrophe deductible on $300,000 of coverage means you pay the first $3,000 of storm damage yourself — 3x the $1,000 deductible that applies to everything else. That is $2,000 more you would need on hand after a named storm than after a kitchen fire.
Shown on Illinois’s reference coverage level of $300,000. Enter your own coverage above for your number.
Illinois is not a hurricane state -- it does not appear on the Insurance Information Institute's list of nineteen states plus DC with named-storm deductibles. What Illinois has instead is HAIL, and the market has responded with the same tool. In its 2025 Illinois rate filing State Farm stated that Illinois has had more hail damage than any state except Texas and that catastrophe losses exceeded its annual provision in 13 of the last 15 years. Alongside an average 27% rate increase (28.3% on homeowners specifically), effective July 15, 2025 for new business and August 15, 2025 for renewals, State Farm imposed a MINIMUM 1% wind/hail deductible on Illinois homeowners policies -- customers who did not already meet it were automatically billed at 1%. Because State Farm insures roughly one in three Illinois homeowners, that single filing made the percentage wind/hail deductible a mainstream Illinois structure rather than a niche one, and other carriers use the same approach. The deductible applies when the cause of loss is deemed to be wind or hail; every other loss falls under the ordinary deductible. Practically: on a $300,000 dwelling limit a 1% wind/hail deductible is $3,000, and a 2% is $6,000 -- three to six times the $1,000 shown on the declarations page, on precisely the claim an Illinois homeowner is most likely to file. The 1% recorded here is the documented carrier MINIMUM at the state's largest insurer; 2% deductibles are also common and higher percentages exist.
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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