If you’ve shopped for home or property insurance recently, you may have noticed a growing trend: higher wind and hail deductibles. Across the insurance industry, many carriers have shifted toward percentage-based deductibles often 1% to 2%, (or even higher) of your home’s insured value.
That means a home with a coverage limit of $350,000 will have a wind/hail deductible between $3,500 and $7,000.
But here’s the part many people don’t realize:
You still have options.
At All American Insurance Services, we work with multiple insurance carriers, and some of them continue to offer lower, more predictable wind and hail deductibles. These options can help protect your savings and give you greater peace of mind when storms hit.
Why This Matters
Severe weather events are becoming more frequent and costly. Insurance companies are adjusting their policies to manage risk, but that doesn’t mean you have to accept higher out-of-pocket exposure without exploring alternatives.
What We Do Differently
We don’t just quote one company and send you on your way. We:
- Compare multiple carriers to find deductible options that fit your comfort level
- Explain the real financial impact of percentage-based deductibles
- Help you balance premium cost vs. risk exposure
- Look for policies that still offer flat deductible choices when available
Don’t Assume All Policies Are the Same
Two policies with similar premiums can have very different deductible structures—and that difference can cost you thousands when you need coverage most.
Before you renew or purchase a new policy, it’s worth taking a second look.
Let’s Review Your Coverage
If you’re concerned about rising deductibles or just want to understand your options, we’re here to help. A quick review could uncover better protection than you realized was available.
Contact our office today for a personalized insurance review and see if you qualify for lower wind and hail deductible options.