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 Michigan. Your ordinary deductible — typically $1,000 here — applies to storm damage too. CHECKED AGAINST THREE SEPARATE LISTS, not assumed. Michigan has no coastal or hurricane exposure and is correctly absent from the Insurance Information Institute's list of the 19 states plus DC that use hurricane deductibles. It is also absent from the standard enumeration of states where percentage wind/hail deductibles are the market convention (TX, OK, KS, NE, CO, SD, ND, MN, IA, MO) and from United Policyholders' tornado-alley list (TX, OK, KS, NE, plus Ohio). WHAT IS TRUE AND WORTH KNOWING ANYWAY: Michigan does have real hail and severe-thunderstorm exposure, and Michigan agency guidance describes separate percentage wind/hail deductibles - typically 1% or 2% of the dwelling limit, so $3,000 to $6,000 on a $300,000 home - appearing on many Michigan policies as a carrier-by-carrier option. That is enough for a Michigan homeowner to check their declarations page for, but it is characterized as something that appears on 'many' policies rather than as the state norm, no Michigan statute or DIFS rule governs it, and no Michigan-specific prevalence figure exists to justify modeling it as standard. Recorded as not applying statewide on that basis. Contrast Kentucky and Kansas in this same dataset, where multiple independent state-specific sources describe the separate percentage deductible as what most carriers now write.
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.