Hurricane Deductible Reserve Planner

Convert your percentage-based hurricane or named-storm deductible into a concrete cash reserve goal. Enter your dwelling coverage limit and deductible percentage to see the dollar amount, then layer in optional savings timeline and current reserve to arrive at a monthly target.

Coverage A limit on your homeowner's policy.
Percentage deductible applied to windstorm or named-storm claims.
Defaults to 12 months to accumulate the cash.
Defaults to $0.

Informational only; confirm deductible terms with your insurer and consider broader emergency funds for loss of use and contents losses.

Examples

  • $550,000 coverage with 2% deductible, saving over 12 months with no reserve ⇒ Windstorm deductible amount: $11,000.00 USD • Reserve gap after existing cash: $11,000.00 USD • Monthly saving target over 12 months: $916.67 USD.
  • $725,000 coverage, 5% deductible, defaults for timeline with $3,500 saved ⇒ Windstorm deductible amount: $36,250.00 USD • Reserve gap after existing cash: $32,750.00 USD • Monthly saving target over 12 months: $2,729.17 USD.

FAQ

Does this include contents or flood deductibles?

No. It only prices the hurricane or windstorm deductible on your primary dwelling coverage. NFIP flood deductibles and contents deductibles should be added separately if relevant.

What if my policy has a flat wind deductible?

Enter the flat amount as the dwelling coverage and use 100% for the deductible percentage. The calculator will then mirror that fixed deductible.

Can I shorten the savings period?

Yes. Reduce the months-to-save input to see the higher monthly contribution needed to fully cover the deductible before storm season.

Why is the reserve gap zero?

If your existing reserve already exceeds the deductible amount, no additional monthly saving is needed, so the gap shows $0.00.

Additional Information

  • Result unit: U.S. dollars for the deductible amount, remaining reserve gap, and monthly saving requirement.
  • Many coastal policies set a percentage hurricane deductible tied to Coverage A, which can be far higher than flat all-perils deductibles.
  • Optional inputs default to a 12-month ramp and assume no cash is set aside unless you provide an existing reserve.

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