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 1% catastrophe deductible on $300,000 of coverage means you pay the first $3,000 of storm damage yourself — 3x the $1,000 deductible that applies to everything else. That is $2,000 more you would need on hand after a named storm than after a kitchen fire.
Shown on Minnesota’s reference coverage level of $300,000. Enter your own coverage above for your number.
Minnesota has no hurricane exposure, but it is a severe-hail state and a separate percentage wind/hail deductible is now genuinely common here rather than exotic. Carriers writing in Minnesota increasingly attach a wind/hail deductible expressed as a percentage of Coverage A (commonly 1% to 2% statewide, and 2% to 5% is reported as routine in Twin Cities metro underwriting) instead of the flat dollar amount that still governs every other peril. On a $300,000 dwelling limit a 1% wind/hail deductible is $3,000 and a 2% is $6,000, against a $1,000 all-perils deductible on the same declarations page. Important calibration: Insurify's 2026 hail analysis puts Minnesota's AVERAGE wind/hail deductible at 0.59% of dwelling coverage ($2,496), which is well below the 1% to 2% figure agents describe -- that gap exists because a large share of Minnesota policies still carry a flat wind/hail deductible, pulling the statewide average down. So this is a convention a Minnesota buyer must check for on their own declarations page, not one that is universal.
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.
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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.