Lower Your Deductible Without Changing Your Policy
Savings on protection from wind, hail, hurricane, fire, flood and earthquake losses
The Problem
Property insurance deductibles for wind, hail, hurricane, fire, flood, and earthquake risks are rising — often leaving property owners exposed to $10,000, $25,000, or even $100,000+ out-of-pocket.
The Solution
Our deductible buy-down programs allow you to keep your current coverage and lower your out-of-pocket costs. Sometimes you can even increase your primary insurance deductible, lowering your premium, while adding a secondary policy that reduces your deductible and financial exposure when a covered loss occurs.
How It Works
1. No Agent Change Required
Keep your current agent. We can work alongside them, with them, or directly with you.
2. Add Buy-Down Coverage
Purchase a supplemental policy that covers part of your deductible, which means lower out-of-pocket cost for you on a covered loss.
3. Potential Additional Savings
Raise your existing deductible, add buy-down coverage, and potentially lower your total annual premium while reducing your out-of-pocket exposure.
Quick Example
| Covered loss | $55,000 |
| Primary policy deductible | $20,000 |
| Deductible after buy back | $5,000 |
| Buy back benefit / out-of-pocket savings | $15,000 |
In this example, deductible buy back coverage reduced the net out-of-pocket responsibility from $20,000 to $5,000.
Stop Overpaying for Insurance or Risking a Large Deductible
Get a custom quote tailored to your property and risk exposure.
For Insurance Agents
Expand your offerings and retain clients by providing deductible buy-down and parametric solutions. We support retail agents with quoting, placement, and commissions.