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 Missouri’s reference coverage level of $300,000. Enter your own coverage above for your number.
Missouri has no hurricane exposure, but it is one of the most hail-exposed states in the country and a separate percentage wind/hail deductible is now the prevailing convention rather than an oddity. Carriers commonly impose a wind/hail deductible of the GREATER of 1% of the dwelling limit or $2,500, with 1% to 2% the usual range and higher percentages in the most hail-prone counties. On a $300,000 dwelling limit, 1% is $3,000 and 2% is $6,000, against a $1,000 flat deductible that still applies to fire, theft, water and every other peril on the same policy. This is not a statutory scheme like Florida's or Mississippi's -- there is no state-mandated offer or buy-back requirement -- it is a carrier underwriting practice, which means it varies by insurer and can be introduced at renewal with no rate filing that a homeowner would notice. Insurify's 2026 hail analysis puts Missouri's average wind/hail deductible at 1.27% of dwelling coverage, $4,570 in dollar terms -- just below the 1.36% that put Kansas tenth nationally on that measure.
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.