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 Louisiana’s reference coverage level of $300,000. Enter your own coverage above for your number.
Louisiana is one of the two hardest homeowners markets in the country and the separate storm deductible is the single most important number on a Louisiana policy. Three distinct deductibles can appear, and they are not interchangeable: a NAMED STORM deductible triggers as soon as the National Hurricane Center names a system that has reached tropical storm strength (39 mph), a HURRICANE deductible triggers only at hurricane strength (74 mph), and a WIND AND HAIL deductible applies to wind damage from any source. Named storm is the broadest and therefore the most expensive to hold. All are expressed as a percentage of the insured value of the dwelling, NOT as a percentage of the damage - a 2% named storm deductible on a $300,000 dwelling limit is $6,000 out of pocket before the insurer pays a dollar, and at 5% it is $15,000. Typical settings run 2% to 5%. Two statutory protections matter: an insurer generally cannot increase the named storm or hurricane deductible on a homeowners policy that has been in force more than three years, and a policyholder is subject to only one such deductible per hurricane season rather than one per storm. Under La. R.S. 22:1337 the Commissioner prescribes a separate disclosure form for named storm, hurricane, and wind and hail deductibles, and for new policies effective after January 1, 2023 the insurer must provide that form and request the named insured's signature. Premium discounts apply for homes built to the state's fortified construction standards.
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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