Topic hub
Deductibles, demystified.
Most homeowners learn what their deductible really means only after their first storm. Percentage deductibles, named-storm triggers, and per-event vs per-year structures can multiply your out-of-pocket cost by 10x or more. This hub covers every angle.
All guides in this cluster
Topic Hub: Deductibles
Flat vs percentage, wind/hail vs hurricane — the complete map.
Read moreWind & Hail Deductibles Explained
Percentage deductibles cost more than most homeowners realize.
Read moreHurricane Deductibles Explained
Named-storm deductibles in FL, TX, and the Gulf.
Read morePercentage vs Flat Deductible
Side-by-side: what each costs at common dwelling limits.
Read moreFlorida Named Storm Deductible
2%, 5%, 10% — what triggers it and what it costs in dollars.
Read moreTexas Hail & Wind Deductibles
DFW, San Antonio, coastal Texas — real-dollar exposure tables.
Read moreState Farm Wind & Hail Deductible
How State Farm calculates percentage wind/hail deductibles.
Read moreAllstate Wind & Hail Deductible
Allstate's deductible percentages, triggers, and real claim math.
Read moreWhy Is My Deductible $10,000?
Percentage deductibles, decoded — and what to do about them.
Read moreCalculators for this topic
Find out if your policy has this gap — before a claim.
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