> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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 $350,000 home, a 1% hail deductible means you pay $3,500 before coverage applies on a hail claim. Read your dec page for which deductibles apply to which perils.

## Related terms

* [Wind and hail deductible](/learn/wind-hail-deductible)
* [Deductible](/learn/deductible)
* [Comprehensive coverage](/learn/comprehensive-coverage)

## Further reading

* [Minnesota Commerce — Insurance consumer information](https://mn.gov/commerce/industries/insurance/)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=hail-deductible)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=hail-deductible)


## Related topics

- [Wind and hail deductible](/learn/wind-hail-deductible.md)
- [Learn](/learn/index.md)