Hard to Find, Easy to Quote: Hartford Still Offers a 1% Wind/Hail Deductible in North Texas

If you're a homeowner in North Texas, you already know how brutal our storm seasons can be. Hail, wind, and roof damage are common—and so are rising home insurance deductibles. In fact, most all major carriers have moved to 2% or even 3% wind/hail deductibles, leaving homeowners frustrated and underprotected.

But here’s the good news: Hartford is one of the last major insurance companies still offering a 1% Wind/Hail Deductible—and at Mauceri Bynum Insurance, we can help you lock it in while it lasts.

🌪️ What Is a Wind/Hail Deductible and Why Should You Care?

In Texas, most homeowners policies come with a separate deductible for wind and hail claims—and it’s usually a percentage of your home’s insured value.

Here’s what that looks like in real dollars:

• 1% deductible on a $500,000 home = $5,000 out of pocket
• 2% deductible = $10,000
• 3% deductible = $15,000
  
  

That’s the difference between getting your roof fixed quickly… or waiting months trying to gather the funds just to meet your deductible.

✅ Hartford Still Offers a 1% Wind/Hail Deductible in North Texas

Unlike most national carriers, Hartford continues to offer a 1% deductible in many areas of North Texas, including:

• McKinney
• Frisco
• Allen
• Plano
• Denton
• Prosper
• and surrounding communities
  
  

This can be a huge cost-saver—especially in storm season—and it’s one of the reasons we recommend Hartford so often to clients looking for better protection and lower out-of-pocket costs. *Bundling an Auto Policy is required to qualify for a 1% dedcutible.

🔍 Why It’s Getting Harder to Find a 1% Deductible

Due to the rise in storm-related claims, many insurers have tightened their underwriting rules or exited the market entirely in certain high-risk zip codes. A 2% deductible has quietly become the new standard—but that doesn’t mean you have to settle for it.

As long as it’s still available, locking in a 1% Wind/Hail Deductible through Hartford is one of the smartest moves you can make as a Texas homeowner. *Bundling an Auto Policy is required to qualify for a 1% Deducibtle

🏡 Get a Hartford Quote with 1% Deductible While It’s Still an Option

We don’t know how long Hartford will continue offering this, but we do know it’s available right now—and we can help you get it.

👉 Click here to get your Homeowners Insurance quote with Hartford

Don’t wait until the next hailstorm hits. Let’s get you protected with a policy that works for you, not against you.

🏆 The Agency North Texans Trust

Mauceri Bynum Insurance has been voted Best of McKinney for the past 11 years in a row.

📍 Proudly serving all of Texas from the heart of McKinney’s Historic Downtown Square:
301 E Virginia Street, Suite 201, McKinney, TX 75069

Stop by, call, or click for your quote today—we’re here to help you make smart, affordable insurance decisions.