What Is The Highest Possible Deductible For Home Insurance? 
The answer to this question is based entirely upon the carrier and the state . Most carriers offer a range of deductibles from $ 500 - $ 5000 . If you own a high end home , the deductibles offered can be in the $ 10,000 - $ 50,000 range . Another type of deductible you may see is a separate wind/hail deductible . Originally , these deductible were found on homes in the hurricane belt , but in recent years , the South & Midwest have resorted to this deductible due to the number of tornados , high straight-line winds & hail claims . Often , the wind/hail deductible is shown as a percentage of the replacement cost of the home . For example , a 5 % wind/hail deductible on a $ 400,000 home would be $ 20,000 . Other separate deductibles for other causes of loss might be earthquake & flood . 