Get a Quote to Lower Your Deductible
1. Call your agent
Ask your agent to give you quotes on your existing policy with a 3%, 4%, and 5% wind/hail deductible.
Ask your agent to give you quotes on your existing policy with a 3%, 4%, and 5% wind/hail deductible.
2. Have your quotes ready
You will enter the information from your agent in the form below. We will send you back a comparison of savings while keeping your existing agent.
You will enter the information from your agent in the form below. We will send you back a comparison of savings while keeping your existing agent.
3. Review the comparison
Review the comparison, let us know when you are ready to save money, lower your deductible, and keep your agent. We will work with you and your agent as you direct.
Review the comparison, let us know when you are ready to save money, lower your deductible, and keep your agent. We will work with you and your agent as you direct.
See a sample comparison at the bottom of this page
Need help now? Call (888) 528-0700 for an immediate quote over the phone.
(If you cannot see the full table, scroll to the right.)
June 2026 Example of Wind/Hail Deductible Savings
| Current Carrier & Deductible | Current Carrier Diff Ded | Current Carrier Diff Ded | Current Carrier Diff Ded | |
|---|---|---|---|---|
| TIV – Overlying Coverage or Value | $1,215,000 | $1,215,000 | $1,215,000 | $1,215,000 |
| Comparison Deductible Percentage | 1% | 5% | 3% | 3% |
| Comparison Deductible Amount | $12,150 | $60,750 | $36,450 | $36,450 |
| NEW Deductible after buy back | Current | $5,000 | $5,000 | $10,000 |
| Deductible Savings vs Current | – | $7,150 | $7,150 | $2,150 |
| Premium Overlying Coverage | $10,000.00 | $3,849.79 | $4,335.03 | $4,335.03 |
| Deductible Buy Back Premium | – | $3,764.51 | $2,464.92 | $1,986.62 |
| Total All Premiums (Overlying + DBB) |
$10,000.00 | $7,614.30 | $6,799.95 | $6,321.65 |
| Premium Savings | Baseline | $2,385.70 | $3,200.05 | $3,678.35 |
