Deductible Buy Back, this is B. I. G. !
Go B.I.G. (Build Loyalty + Increase Retention + Gain New Customers) with deductible buy back policies
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| COMPARE | PARAMETRICGREAT SPECIALTY OPTIONFast event-triggered protection | OFFER DEDUCTIBLE BUY BACKSAVINGS & PLANNING TOOLThe familiar deductible solution | ADAPTIVERESIDENTIAL DBBWind / hail deductible coverage | SOLAPARAMETRIC-TYPEResidential wind & hail |
|---|---|---|---|---|
| COVERAGE STYLE | Event / trigger based | Traditional Insurance process | Traditional follow-form insurance | Parametric-type Event triggered Roof ONLY |
| CUSTOMER EXPERIENCE | Trigger must be met | ✓ Traditional claims process, not limited to a triggered event | Covered primary-policy loss; reimbursement follows primary settlement | Qualifying storm-data / event model |
| RESIDENTIAL | ✓ Available by program | ✓ Yes – down to $2,500 | ✓ Yes – as low as $2,500 | ✓ Yes |
| COMMERCIAL | ✓ Available by program | ✓ Yes – down to $5,000 | Separate commercial DBB product available | Residential-focused |
| AGENT WORKFLOW | Online Workflow Available | ✓ Quote • Apply • Bind • Submit | Online quoting, binding and policy issuance | Online residential workflow |
| SCALE / LIMIT | WRIA Capacity $10,000,000 |
✓ Capacity to $100,000,000 TIV | Residential maximum not stated on product page | $2,000 – $25,000 per structure |
| BEST USE | Fast catastrophe liquidity | ✓ Lower a large deductible to a predictable amount | Reduce home wind, hail and hurricane deductibles | Smaller residential wind / hail gaps |
| BUSINESS FIT | Specialty tool | ✓ Build Loyalty ✓ Increase Retention ✓ Gain Customers |
Coverage A $250,000+; excludes manufactured/mobile homes | Residential niche |
Adaptive column covers its residential product; commercial availability is noted separately. Sources: Adaptive residential product and commercial product, reviewed October 5, 2026.
TIV and Coverage A describe property values, not payout limits. Coverage, eligibility and limits are subject to the quote and policy.
✓ EASY TO EXPLAINLower the client's out-of-pocket deductible.
✓ EASY TO SELLFits the insurance conversation clients already know.
✓ EASY TO PLACEKeep Overlying Carrier and Lower Premiums