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 New Jersey’s reference coverage level of $300,000. Enter your own coverage above for your number.
New Jersey is one of the 19 states (plus DC) where hurricane deductibles are used. The trigger is statewide, not county-specific: the deductible attaches once the National Weather Service designates a storm a hurricane with sustained winds of 74 mph measured somewhere in New Jersey, and it runs from 12 hours before those sustained hurricane-force winds begin until 12 hours after the last 74 mph reading. Deductible forms are filed with and approved by the NJ Department of Banking and Insurance rather than fixed by statute, so there is no mandatory-offer menu the way Florida has. In practice the exposure is concentrated at the Shore: coastal policies in Monmouth, Ocean, Atlantic and Cape May counties commonly carry a 2% to 5% hurricane deductible of the dwelling limit, while inland North and Central Jersey policies frequently carry no percentage deductible at all. Insurify's quote-database read of the AVERAGE wind/hail deductible across all New Jersey quotes is 1.82% of the dwelling limit (about $7,857 in dollar terms at their average NJ dwelling limit) -- that statewide average blends coastal policies carrying a real percentage deductible with inland ones carrying none, so 2% is the right planning number for a Shore property and 0% is the right one for much of the rest of the state.
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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