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 Pennsylvania. Your ordinary deductible — typically $1,000 here — applies to storm damage too. Checked, not skipped - and this one is a genuine judgment call rather than an obvious no. Pennsylvania is landlocked and has no coastal wind exposure, and the ordinary Pennsylvania homeowners policy applies one flat all-perils deductible to wind and hail like any other peril. But the Insurance Information Institute does list Pennsylvania among the 19 states plus DC where hurricane deductibles exist, describing them as typically 1% to 5% of insured value, reflecting remnant-tropical-system exposure in the southeastern part of the state. That means a separate hurricane deductible is PERMITTED and does appear on some Pennsylvania policies; it is not common statewide and not statutorily required, which is why this field is recorded as false. Insurify's May 2026 measurement of the average wind/hail deductible in Pennsylvania - 0.64% of dwelling coverage, one of the two lowest readings in the country - supports reading the separate-deductible practice as an exception rather than the norm. Practical takeaway: assume the flat deductible applies, but a Pennsylvania buyer in the Philadelphia or Delaware Valley area should still read the declarations page for a hurricane or windstorm deductible line rather than assume it cannot be there.
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.