Lower Your Deductible
Lower your deductible as low as $2.500 for wind, hail, hurricane, fire, flood and earthquake losses
The Problem
Property insurance premiums are going up along with deductibles. Premium increases plus larger deductibles leave property owners paying more for coverage and more when a loss occurs.
The Solution
Lower your deductible with a deductible buy back insurance policy (DBB policy). Get your wind, hail, hurricane, fire, flood, and earthquake deductible as low as $2,500.
What is Deductible Buy Back Insurance
Deductible buy back coverage is a second insurance policy designed to reduce your out-of-pocket deductible exposures after a covered loss. A deductible buy back policy reduces the amount you owe for a covered loss.
Who Should Consider This Coverage?
Homeowners, property owners, businesses, HOA’s, real estate investors and anyone with a high wind, hail, hurricane, fire, flood, or earthquake deductible.
How It Works
1. No Agent or Policy Change Required
You can keep your current agent and policy.
2. Get a Quote for Buy-Down Coverage
Lower your wind, hail, hurricane, fire, flood, or earthquake deductible to as low as $2,500 on a covered loss.
3. Potential Bonus Savings
Raise you existing policy deductible to lower your premium. Lower your deductible with a buy back policy and you get lower premiums and a lower deductible.
How to get the lowest premium and deductible
When the insured property value is $1,000,000 or more the Total Overlying+DBB Premium is usually lower than your original premium before the change.
2026 Example of Wind/Hail Deductible Savings Comparison
| Current Carrier & Deductible | Comparison 1 | Comparison 2 | Comparison 3 | |
|---|---|---|---|---|
| Overlying TIV or Coverage A Value | $1,215,000 | $1,215,000 | $1,215,000 | $1,215,000 |
| Overlying Deductible Percentage | 1% | 5% | 3% | 3% |
| Overlying Deductible Amount | $12,150 | $60,750 | $36,450 | $36,450 |
| NEW Deductible after buy back | Current $12,150 | $5,000 | $5,000 | $10,000 |
| Deductible Savings vs Current | – | $7,150 | $7,150 | $2,150 |
| Premium Overlying Coverage | $10,860.00 | $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) |
$10,860.00 | $7,614.30 | $6,799.95 | $6,321.65 |
| Premium Savings | Baseline | $3,245.70 | $4,060.05 | $4,538.35 |
(If you cannot see full the table scroll to the right)
For Insurance Agents
Go B.I.G. (Build Loyalty + Increase Retention + Gain New Customers) with deductible buy down policies.