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 Indiana’s reference coverage level of $300,000. Enter your own coverage above for your number.
Indiana is not a hurricane state and does not appear on the Insurance Information Institute's list of nineteen states plus DC with named-storm deductibles. The separate deductible that matters here is for WIND AND HAIL, and it has become common enough on Indiana policies that a homeowner should assume it is present until they have checked. It may be written as a higher flat dollar amount or as a percentage of the dwelling limit; on a $300,000 dwelling limit a 1% wind/hail deductible is $3,000, and a 2% deductible on a $500,000 home is $10,000. Because Indiana sits in the tornado and severe-convective-storm corridor -- the March 2026 outbreak across Illinois and Indiana, including the Lake Village tornado in Newton County, is a recent example -- wind and hail is the loss category most Indiana claims fall into, which means the percentage deductible, not the flat one on the declarations page, is the number that will actually govern. The 1% recorded here is the low end of the range Indiana consumer guidance illustrates (1% to 2% is the commonly cited band); it is a representative figure rather than a measured statewide mode, since no source publishes an Indiana-specific distribution. Structures vary by carrier: some Indiana policies still carry a single flat all-perils deductible and no separate wind/hail deductible at all.
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.
What homeowners insurance costs in your state, and whether what you pay is out of line.
Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.
Did your renewal go up more than premiums did across your state — and what to do about it.
Your renewal jumped and the carrier said 'rates went up.' Here is what is actually driving it, how to tell whether yours outran your state's, and the four levers that genuinely move the number.
Flood and earth movement are excluded from every standard homeowners policy — and the clause that excludes them is written so a wind-and-water loss can be denied entirely. Here is what is out, and what fills each gap.
Non-renewed, cancelled, or declined: read the notice correctly, stop force-placed insurance, fix the reason code on it, and get the house insured again in 30 days.
The exact sequence to run when your house is damaged — mitigation, documentation, the claim call script, the adjuster visit, reading the estimate, and every escalation step in order.