When was the last time you checked your homeowners insurance deductible? If it’s been a while, you may be in for a surprise.
In the past few years, many insurance carriers have quietly changed deductible structures, especially for weather-related claims like wind and hail. In fact, according to Insurance Information Institute (III), insurers now often apply percentage-based deductibles rather than fixed dollar amounts for certain types of damage. That could mean thousands more out of pocket if disaster strikes.
We recently made a short video to help explain what a deductible is—and more importantly, how it directly impacts your wallet. Watch it here:
In this video, Nick, one of our very own, breaks it all down:
✅ What a deductible is (in plain English)
✅ How it works when you file a claim
✅ Why the right deductible can save you stress—and big money
This is must-know info for every homeowner. According to FEMA, 1 in 10 homes in the U.S. will face a major insurance claim over a 10-year period. If you’re caught off guard by a $2,500–$5,000 deductible, that’s a tough blow during an already stressful event.
💡 Still not sure what’s in your policy? Watching this quick video is the first step to becoming a more informed (and protected) policyholder.
Take 3 minutes today.
👉 Click here to watch “What’s Your Deductible?” now and make sure you know what you’d owe in the event of a claim. If you have questions after watching, contact our team—we’re happy to review your policy with you.
Knowledge is protection. Let’s make sure you’re ready.