What your storm deductible actually comes to in dollars, and whether raising your regular deductible is worth the exposure. Estimates only — not a quote.
No separate wind, hail, or hurricane deductible is standard in New Hampshire. Your ordinary deductible — typically $1,000 here — applies to storm damage too. CHECKED, not skipped. New Hampshire is an Atlantic state, so this was not assumed -- it was verified against the list that decides it. The Insurance Information Institute and NAIC identify 19 states plus the District of Columbia that use hurricane or named-storm deductibles, running the coast from Maine to Texas: Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas and Virginia. New Hampshire is NOT on it, and its two coastal neighbours Maine and Massachusetts both are -- so its absence is a real finding about New Hampshire rather than a gap in the list. The likely reason is the state's roughly 18 miles of coastline, the shortest of any US coastal state. New Hampshire is also absent from Insurify's 2026 national ranking of states by average wind/hail deductible. A standard New Hampshire policy therefore applies one flat all-perils deductible to every covered loss. The honest qualification: individual carriers can and sometimes do attach a percentage wind deductible on specific oceanfront risks in Rockingham County, where Hampton Beach, Hampton and Seabrook Beach are the state's most expensive places to insure at over $1,400 a year. That is a property-level underwriting decision on a handful of miles of shoreline, not a statewide convention, which is why this is recorded as applies: false.
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.