Understanding hurricane deductibles
When a hurricane is approaching, your focus is on keeping your family safe—not figuring out insurance terms. Understanding your coverage before a storm is forecast can help you avoid surprises, reduce stress and give you greater peace of mind. One part of your homeowners policy that’s important to understand ahead of time is the hurricane deductible: a separate out-of-pocket cost that applies specifically to storm-related damage.
What is a hurricane deductible?
Most PURE policies in hurricane-prone states include either a hurricane deductible or a named storm deductible. These apply only when damage is caused by a qualifying storm event.
- A hurricane deductible applies when damage is caused by a hurricane.
- A named storm deductible applies more broadly, covering not just hurricanes but also tropical storms and tropical depressions that have been officially named by the National Weather Service.
Unlike the All Other Perils (AOP) deductible, which may be waived for losses over $100,000, hurricane and named storm deductibles are not waived, regardless of the size of the loss.
How are these deductibles calculated?
In most states, the hurricane or named storm deductible is a percentage of your home's insured value—typically between 1% and 5%, though it can range from 0.5% to as high as 25%, depending on the policy.
In New York, PURE offers a fixed dollar amount instead of a percentage. Depending on your policy, that deductible could range from $1,000 to $500,000.
Why do these deductibles exist?
These deductibles help insurers provide coverage in high-risk areas by sharing some of the financial exposure with homeowners. Because PURE members take on part of that risk, they’re often even more proactive about storm preparation—like boarding up windows or securing outdoor furniture.
Choosing the right deductible and coverage for you
The deductible you choose can also impact your premium. In general, a higher deductible may result in a lower premium.
If you've taken steps to make your home more resilient—like installing hurricane-rated windows, reinforcing your roof or elevating utilities—you may feel more comfortable choosing a higher deductible, since the likelihood of a major loss is reduced.
Your independent insurance broker is your best resource to guide you in selecting the coverage and deductible that is best for you. They can help you identify coverage gaps and possible out-of-pocket expenses.
To put it simply...
Hurricane deductibles are a key part of your homeowners insurance, especially if you live in a storm-prone area. Taking time to understand your deductible now—before the next storm is on the horizon—can help you feel more prepared and in control when it matters most. View your policy details in your online account or on our mobile app.
