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 Kansas’s reference coverage level of $300,000. Enter your own coverage above for your number.
Kansas sits in the hail and tornado corridor, and a SEPARATE percentage wind/hail deductible is the market norm here rather than an option. It is set as a percentage of the Coverage A dwelling limit, not of the damage: on a $300,000 dwelling limit a 2% wind/hail deductible is $6,000 out of pocket before the insurer pays anything for a hail or windstorm claim, while the same policy's flat $1,000 deductible still governs fire, theft and water losses. Unlike a Gulf-state hurricane deductible there is no named-storm trigger and no statutory offer requirement - it is a carrier underwriting decision, applied to any wind or hail loss, and it is not calendar-year limited, so two hail events in one year can mean two full deductibles. Kansas has no coastal exposure and is correctly absent from the list of 19 states plus DC that use hurricane deductibles.
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.