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 Utah. Your ordinary deductible — typically $1,000 here — applies to storm damage too. Checked, not skipped. Utah has no hurricane or named-storm exposure, and a separate percentage wind/hail deductible is not a standard convention on Utah homeowners policies the way it is in the Plains hail belt - neither of the statewide rate surveys used here, nor the Utah Insurance Department's consumer materials, describe one as ordinary. The two Utah perils that DO carry large percentage deductibles both sit OUTSIDE the homeowners policy and so are deliberately not recorded in this field: (1) earthquake, which is the state's signature catastrophe risk given the Wasatch Fault running under the Ogden-Salt Lake-Provo corridor, is excluded from standard homeowners policies and must be bought as a separate policy or endorsement, typically carrying a 10-20% of dwelling-limit deductible; (2) wildfire, which is covered as a fire loss under the ordinary all-perils deductible, though Utah's HB 48 wildfire framework took effect January 1, 2026 and puts roughly 60,000 structures into mapped high-risk wildland-urban-interface zones with a state mitigation fee of $20-$100 per year for 2026-2027. Neither creates a separate catastrophe deductible on the homeowners policy itself.
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.