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 Hawaii’s reference coverage level of $300,000. Enter your own coverage above for your number.
READ THIS BEFORE READING THE PREMIUM. Hawaii does not work like any other state in this dataset. A standard Hawaii homeowners policy EXCLUDES hurricane damage -- it is not a deductible carve-out inside the policy, it is a peril the policy does not cover at all. Hurricane/windstorm protection is bought separately, either as a specialist endorsement or through a separate carrier, and it carries its own percentage deductible, published ranges 1% to 10% of the dwelling limit and most commonly 1% to 5%. The 2% recorded here is a representative middle selection, not a measured Hawaii mode. On a $300,000 dwelling limit a 2% hurricane deductible is $6,000 and a 3% is $9,000. This structure is exactly why Hawaii's headline homeowners premium is the lowest in the United States: the number is low because the catastrophe peril has been removed from it, not because Hawaii is a low-risk place to own a house. Buying back the hurricane coverage typically adds somewhere between under $500 and nearly $2,500 a year depending on island and location. TWO FURTHER HAWAII-SPECIFIC EXCLUSIONS a mainland reader will not expect: standard policies also exclude lava/volcanic eruption, earthquake and tsunami; and on the Big Island, homes in Lava Zones 1 and 2 (parts of Puna near Kilauea's active vents) are routinely refused by standard carriers outright.
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.
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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.