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 Ohio’s reference coverage level of $300,000. Enter your own coverage above for your number.
NO COASTAL EXPOSURE -- this was checked, not assumed. Ohio is not among the 19 states plus DC that use hurricane or named-storm deductibles; the Lake Erie shoreline generates lake-effect and windstorm losses but no tropical-cyclone deductible trigger, and no Ohio statute mandates any separate catastrophe deductible. What Ohio does have is a percentage wind/hail deductible driven by severe convective storms, and it is common enough to matter: United Policyholders names Ohio among the Midwestern states where wind/hail deductibles have become the norm, and many carriers writing here now attach a separate percentage wind and hail deductible that governs most roof claims, since wind and hail cause most Ohio roof losses. Insurify's quote-database average across all Ohio quotes is 1.03% of dwelling coverage, roughly $3,502 -- about three and a half times the $1,000 flat deductible that applies to everything else. Two honest qualifications: this is carrier underwriting, not law, so a meaningful share of Ohio policies still carry a single flat all-perils deductible; and Ohio's 1.03% is at the mild end of the Midwest, well under Oklahoma's 1.97% or North Dakota's 1.53%. Ohio is a wind/hail-deductible state, but a moderate one.
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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