> ## 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.

# Wind and hail deductible

> What a wind and hail deductible is on a homeowners policy, why it is typically a percentage of dwelling coverage, and how it differs from all-perils.

A **wind/hail deductible** is separate from your standard flat deductible and is often a percentage of dwelling coverage.

In tornado- and hail-prone states, a 2% wind/hail deductible on a $300,000 home means you pay $6,000 before coverage applies on that peril.

## Related terms

* [Hail deductible](/learn/hail-deductible)
* [Deductible](/learn/deductible)
* [Homeowners insurance](/learn/homeowners-insurance)

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


## Related topics

- [Hail deductible](/learn/hail-deductible.md)
- [Learn](/learn/index.md)