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Deductibles explained

6 in-depth guides · updated November 2026

The deductible is the cheapest lever you have on a homeowners premium, and the easiest one to get wrong. Here is how percentage deductibles on wind and hail actually work, and how high you can go before the discount stops paying for itself.Flat dollar vs. percentage deductible: the math on a $500K homeHurricane and wind/hail deductibles that apply separatelyHow to model your break-even point in three quotesWhy a $5,000 deductible can still be the wrong choice