Percent of what
Almost always the dwelling limit, not the loss, not the contents. Raise Coverage A and the hurricane deductible rises with it. That surprise shows up on renewals when reconstruction estimates jump.
Hurricane vs. wind vs. all other perils
A tree in March may use the small AOP deductible. A named hurricane uses the percentage. Some forms use “hurricane,” some “named storm,” some separate wind/hail. The definitions in the jacket decide, not the Weather Channel cone.
Once per season or every storm
Some policies apply the hurricane deductible once per calendar season; some per occurrence. Two storms in six weeks can matter. We point to the clause instead of guessing.
How we quote it
When 2% exists, we show it next to 5%. You pick the check you can write. Start a home quote.
Questions we get
Next
If this sounds like your house, get a number.
Same desk that wrote the guide. Auto and home quote online. Other lines, an advisor.
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