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 Texas’s reference coverage level of $300,000. Enter your own coverage above for your number.
The separate percentage wind and hail deductible is the single most important number on a Texas homeowners policy, and it is the one most Texans do not know they have. Texas carriers moved off flat wind/hail deductibles roughly fifteen years ago, first to 1% of the dwelling limit and, by 2026, to 2% as the dominant standard across most of the state and particularly in North Texas where hail claims are most frequent. Options generally run 1%, 2%, and 5%: on a $300,000 dwelling limit that is $3,000, $6,000, or $15,000 out of pocket before the insurer pays anything. Insurify's May 2026 measurement puts the Texas statewide average wind/hail deductible at 2.24% of dwelling coverage, or about $7,761 - the highest percentage of any state in the country. The Texas trigger is broader than a Gulf or Atlantic named-storm deductible: as the Insurance Information Institute puts it, the Texas windstorm deductible applies to windstorm and hail damage from any type of wind storm, not only named storms or hurricanes. That means an ordinary spring hailstorm in Plano invokes the percentage deductible exactly as a hurricane in Corpus Christi would. Coastal policies layer additional structure on top: in the 14 first-tier coastal counties, wind and hail is frequently excluded from the homeowners policy altogether and bought separately from TWIA (see residualMarket). Read the percentage together with the roof settlement clause - a 2% deductible on a depreciated 15-year-old roof can leave a hail claim effectively uncovered.
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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Did your renewal go up more than premiums did across your state — and what to do about it.
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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.