Learn — Home & property
Hail deductible
What a hail deductible is on a homeowners policy, why it is often higher than the all-perils deductible, and how percentage-based hail deductibles work.
Some homeowners policies — especially in hail-prone states — use a separate hail deductible, often 1–2% of dwelling coverage.
On a 3,500 before coverage applies on a hail claim. Read your dec page for which deductibles apply to which perils.