Home insurance, by state

Your deductible probably isn't what you think it is

In 36 of the 50 states, a separate percentage deductible applies to wind, hail, or hurricane damage — the claim you are most likely to file. A 2% catastrophe deductible on a $400,000 policy is $8,000 out of pocket, not the $1,000 printed next to “deductible” on your declarations page. We show it in dollars for every state that has one.