Your Home
Deductible Shock Check
See the actual dollars you would pay out of pocket on a claim — and whether your savings could absorb them.
Calibrate
Drag to set each value — estimates are fine.
Percentage deductibles apply to your dwelling limit — use your Coverage A if you know it.
Check your declarations page — wind/hail deductibles are often percentages.
The dollar deductible on your policy.
Often 1%–5% for wind, hail, or hurricane deductibles.
Usually the collision/comprehensive deductible.
Checking, savings, money market — money you could use this week without penalty. Leave blank to skip the comparison.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Home value (insured amount)
- Deductible type
- Flat deductible amount
- Percentage deductible
- Auto deductible (vehicle 1)
- Auto deductible (vehicle 2, optional)
- Liquid savings available today
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.