NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
1
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
A. Central Insurance Co.
“A” program only
3% and 5%
The Catastrophe Windstorm deductible is
subject to:
A higher percentage amount that applies to
Windstorm loss that occurs within a period of
12 hours before or 12 hours after the storm
which caused the loss makes landfall
anywhere in New York State as a declared
Category 2, 3, 4 or 5 hurricanes.
“Declared” means declared by the National
Weather Service.
3% - Applicable in Nassau County,
Kings, Queens, Richmond, Bronx, New
York and within 1500 feet of the shore in
Westchester county.
5% - Applicable in Suffolk county.
Optional 4% and 10% are available.
AAIS
Optional, See Note A
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 2 hurricane, as
determined by the National Weather Service,
makes landfall anywhere in NYS.
See Note A.
ACA Insurance Company
1%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
% deductible applies to windstorm loss that
occurs within a period of 12 hours before or
12 hours after the storm which caused the
loss makes landfall anywhere in NYS as
declared Category 2, 3, 4 or 5 hurricanes.
Fixed dollar AOP deductible applies to
Category 1 hurricane.
Richmond, Kings, Queens, New York,
Bronx, Nassau, Suffolk and Westchester
Counties.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
2
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Adirondack Ins. Exchange
All Forms except HO 4000 and
HO 6000)
OPTIONAL deductible amounts
of 1%, 2%, 3%, 4%, or 5%
Applies when a windstorm loss occurs within
a period of 12 hours before or 12 hours after
the Category 1, 2, 3, 4 or 5.
HO 2000 and HO 3000
Kings, Queens, Richmond, New York,
Nassau, Suffolk and the Bronx and
within 2 miles of the coastline in
Westchester.
Forms HO 4000 and HO 6000
In the counties of Kings, Queens,
Richmond, Nassau, Suffolk and the
Bronx, and within 2 miles of the
coastline in Westchester, a $1,000
deductible
AIG – Private Client
Group
American International
Insurance Company
(Standard)
AIG Premier Insurance
Company
(Premier)
AIG Preferred Insurance
Company
(Preferred)
This hurricane deductible is a flat
$ amounts: $25,000 & $10,000,
depending upon distance from
shore.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Applies in the event of direct physical loss to
property by hurricane that occurs within a
period of 12 hours before or 12 hours after
the storm which caused the loss makes
landfall anywhere in NYS as declared by
NWS as Category 1, 2, 3, 4 or 5.
$25,000 deductible within 1 ml. of south
shore for Nassau and Suffolk counties.
$10,000 deductible within 1 ml. of north
shore for Nassau and Suffolk counties.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
3
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Allstate Insurance Co.
Allstate Indemnity Co.
5% for the coastal areas except
Westchester.
For Westchester – 0%, 3% or 5%
- depending on zip code of
insured property.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The hurricane deductible applies in the event
of covered loss caused by wind, hail, rain, or
by any object(s) driven by wind, if:
a) such wind, hail or rain accompanied a
weather system declared at any time during
its existence by the National Weather Service
to be a hurricane;
b) extreme winds accompanying the weather
system referenced in a), above, occur in any
part of the state of New York (regardless of
what the actual wind speed at your residence
premises or anywhere else in the state was at
the time of loss); and
c) the loss occurs during the time period: i)
beginning 24 hours prior to the first time that
the extreme winds occur in any part of the
state of New York; and ii) ending 12 hours
after the last time that the extreme winds
occur in the state of New York.
Extreme winds – means sustained winds of
74 miles per hour or higher (as measured or
reported by the National Weather Service).
Staten Island, Bronx Queens, New York,
Brooklyn, Nassau and Suffolk and
Westchester.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
4
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Allstate Vehicle and
Property
5% of Coverage A limits applies
for Zones 1, 3, 4 and 5.
Exception: A minimum Hurricane
deductible equal to 3% of
Coverage A limits applies for the
following zip codes in Hurricane
Deductible Zone 1:
10502, 10530, 10595 10701,
10504, 10532 10601, 10702,
10506 10533, 10602, 10703
10510, 10570, 10603 10704,
10514, 10576 10604, 10705,
10522 10591, 10606, 10706
10523 , 10594, 10607 10710
The hurricane deductible applies in the event
of covered loss caused by wind, hail, rain, or
by any object(s) driven by wind, if:
a) such wind, hail or rain accompanied a
weather system declared at any time during
its existence by the National Weather Service
to be a hurricane;
b) extreme winds accompanying the weather
system referenced in a), above, occur in any
part of the state of New York (regardless of
what the actual wind speed at your residence
premises or anywhere else in the state was at
the time of loss); and
c) the loss occurs during the time period: i)
beginning 24 hours prior to the first time that
the extreme winds occur in any part of the
state of New York; and ii) ending 12 hours
after the last time that the extreme winds
occur in the state of New York.
Extreme winds – means sustained winds of
74 miles per hour or higher (as measured or
reported by the National Weather Service).
Zones 1, 3, 4 and 5 comprise the 5
Boroughs
(Bronx, Kings, Manhattan, Queens
and Richmond), the counties of Nassau
and Suffolk and the southern portion of
Westchester County.
American European Ins.
Co.
5% of Coverage A limit
A windstorm loss that occurs within a period
of 12 hours before and 12 hours after the
storm which caused the loss makes landfall
anywhere in New York State as a declared
Category 1, 2, 3, 4 or 5 hurricane.
Richmond, Queens, Bronx, Kings,
Suffolk, Westchester and Nassau
American Modern Home
$500
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 2 hurricane, as
determined by the National Weather Service,
makes landfall anywhere in NYS.
Staten Island, Bronx Queens,
Westchester, Brooklyn, Nassau and
Suffolk
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
5
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Am Motorists
5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 2 hurricane, as
determined by the National Weather Service,
makes landfall anywhere in NYS.
Staten Island, Bronx Queens, New York,
Brooklyn, Nassau and Suffolk.
Amica Mutual Insurance
Co.
1%, 2%, 3% and 5% of Coverage
A Limit for Territories 3,4,6,7,46
and 50, 47-49
(Richmond, Queens, Bronx,
Kings, Nassau, Suffolk,
Westchester)
Trigger is a period of 12 hours before or 12
hours after a declared category 2, 3, 4 or 5
hurricane makes landfall anywhere in New
York State
1% Deductible:
Mandatory for territories 3,4, 7, 46 and
50 (South Shore and Long Island’s
Forks) if the distance from the shore is
over 2,500 feet to
1 mile
Optional for territories 6 and 47-49 if the
distance from the shore is greater than
1,000 feet.
2% Deductible:
Mandatory for territories 3, 4, 7, 46 and
50 (South shore and Long Island Forks)
if the distance from the shore is up to
2,500 feet.
Mandatory for territories 6, 46 and 50
(North Shore along the Long Island
Sound) and 47-49 if the distance from
the shore is up to 1,000 feet.
Atlantic Mutual
5% applicable within 1000 feet of
the shore or on a barrier island
and 2% for the rest of Long
Island.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 2 hurricane, as
determined by the National Weather Service,
makes landfall anywhere in NYS.
Nassau and Suffolk.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
6
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Balboa
5% applicable up to 1 mile from
the coastal areas and 2%
applicable from 1 mile to the rest
of the coastal areas.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable to a windstorm
loss if, according to the National Weather
Service, a Category 2, 3, 4 or 5 hurricane
makes landfall anywhere in New York State
within 12 hours before or 12 hours after the
windstorm loss.
Bronx, Kings, Queens, Nassau, Suffolk,
Richmond and Westchester counties.
Bankers Standard
Insurance Company
For Nassau & Suffolk
$25,000 or 2%, (whichever is
less) for dwellings up to 1 mile
from the North Shore
$50,000 or 5%, (whichever is
less) for dwellings up to 1 mile
from the South Shore
$10,000 or 2%, (whichever is
less) for Remainder of Nassau &
Suffolk Counties
A catastrophe windstorm means a Category 1
or higher hurricane which makes landfall:
(1) In any part of the state of New York as
declared by the National Weather Service; or
(2) Outside of the state of New York but
hurricane force winds are present in the New
York county in which the loss occurs as
declared by the National Weather Service;
and which:
(1) Begins 24 hours prior to determination by
the National Weather Service that hurricane
force winds with wind speeds measuring
Category 1 or higher exist in any part of the
state of New York;
(2) Continues for the timeframe during which
hurricane conditions exist anywhere in the
state of New York; and
(3) Ends 12 hours after Category 1 or higher
hurricane force winds cease to be present in
any New York county as declared by the
National Weather Service.
Richmond, Queens, Bronx, Kings, New
Rochelle-Westchester, Mt Vernon -
Westchester, Nassau, Suffolk counties
Bay State
2%
Applies when a windstorm loss occurs within
a period of 12 hours before or 12 hours after
the Category 1 or higher (landfall anywhere
in NY State).
Richmond, Queens, Bronx, Kings,
Suffolk and Nassau
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
7
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Berkley Insurance
Company
5%
$10,000
$5,000
Category 1 or higher hurricane that makes
landfall in any part of New York or outside
of New York as declared by the National
Weather Service, and which
begins 24 hours prior to determination by the
National Weather Service that hurricane
force winds with wind speeds measuring
category 1 or higher exist in any part of the
state of New York;
continues for the timeframe during which
hurricane conditions exist anywhere in the
state of New York; and
ends 12 hours after category 1 or higher
hurricane force winds cease to be present in
any “county” as declared by the National
Weather Service. “County” means any one or
more of the following states of New York
counties: Bronx, Kings, Nassau, New York,
Queens, Richmond, Suffolk and Westchester.
5%
Nassau& Suffolk: South Shore
$10,000
Rest of Nassau & Suffolk Counties
$5,000
Richmond, Kings, Queens Counties
Cambridge Mutual Fire
2%
Applies when a windstorm loss occurs within
a period of 12 hours before or 12 hours after
the Category 1 or higher (landfall anywhere
in NY State).
Richmond, Queens, Bronx, Kings,
Suffolk and Nassau
Castle Point Insurance
5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible applies to windstorm loss that
occurs within a period 12 hours before or 12
hours after the storm makes landfall
anywhere in NYS as declared by the National
weather Service to be a Category 1, 2, 3, 4
hurricane.
‘Declared” means declared by the National
Weather Service.
Richmond, Queens, Kings, Bronx,
Nassau and Suffolk County.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
8
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Chubb
5% mandatory hurricane
deductible to be applicable up to
1 mile on the North Shore of
Nassau & Suffolk & up to 5 miles
on the South Shore of Nassau and
Suffolk.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Category 1 hurricane Trigger.
Nassau and Suffolk.
Cigna Ind & Ind Co. of
North America
3%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The hurricane deductible applies to
windstorm loss that occurs within a period of
12 hours before or 12 hours after the storm
which caused the loss makes landfall
anywhere in NYS as declared the National
Weather Service to be category 1,2,3,4 or 5
hurricanes.
Nassau, Suffolk, Brooklyn, & Queens.
Cigna - applicable to the
rest of the companies
other than those approved
for the Special LI
Program
3% -
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Category 1 or higher hurricane
Applicable within 2500 feet of an ocean,
sound, bay or similar body of water in
the following counties: Nassau and
Suffolk Kings, Queens, Richmond,
Westchester and Bronx
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
9
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Citizens Ins. Co. of
America
HO-4 Wrap Around Endorsement
for risks less than 1 mile.
5% and 2% applies to risks 1 to 3
miles and greater.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
(a) To a windstorm loss that occurs within a
period of 12 hours before or 12 hours after
the storm which caused the loss makes
landfall anywhere in New York State as a
declared Category 1, 2, 3, 4 or 5 hurricanes
by the national Weather Service.
(b) To a windstorm loss that occurs within a
period of 12 hours before or 12 hours after
the storm which caused the loss makes
landfall outside of New York State, but
which is determined to be a Category 1 or
higher force winds by the national Weather
Service in the area (territory) within New
York State in which the loss occurs.
“Declared” means declared by the National
Weather Service.
For Nassau and Suffolk Counties: a 5%
windstorm deductible for risks located 1
to 3 miles or greater from distance to
nearest shore line.
HO-4 Windstorm Wrap Around
endorsement for risks located less than 1
mile form the distance to nearest shore
line.
For Kings, New York, Bronx, Queens,
Richmond and Westchester Counties:
2% Windstorm deductible for risk
located 1 to 3 miles and greater from
distance to nearest shore line.
HO-4 Windstorm Wrap around
endorsement for risks less than 1 mile
from distance to nearest shore line.
Clarendon
Optional hurricane deductibles,
ranging from 2%, 5% &10%.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Trigger is a category 2 hurricane, making
landfall in NYS.
Available only for the coastal areas
Clear Blue
1%, 2%, 3%, 5%
$500, $1,000, $2,500
The deductible applies to windstorm loss that
occurs within a period of 12 hours before or
12 hours after the storm which caused the
loss makes landfall anywhere in New York
State as a declared Category 1, 2, 3, 4 or 5
hurricane as determined by the National
Weather Service, or makes landfall outside of
New York State, which is determined by the
National Weather Service - Category 1 or
higher force winds in the area within New
York State in which the losses occur.
Suffolk, Nassau, Queens, Kings,
Richmond, Bronx, New York,
Westchester
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
10
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
CNA Companies
5% & 3%
5% for risks located 1 mile or less
from the shore of the entire
counties of Queens, Kings,
Richmond New York and Bronx
and the entire Southern Shore of
Nassau county and Suffolk
county, including the forks and
the Northern Shore of Suffolk east
of and including zip code 11778.
3% for risk located in the
remainder of the above-mentioned
areas and for risks located within
1500 feet from shore in
Westchester county.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Category 2 or higher hurricane as designated
by the National Weather Service, at the time
it impacts anywhere in New York.
Brooklyn, Queens, Westchester, Nassau,
Suffolk, Bronx, Richmond, & New York
counties.
Colonial Penn
See Note A.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable to a windstorm
loss if, according to the National Weather
Service, a Category 2, 3, 4 or 5 hurricane
makes landfall anywhere in New York State
within 12 hours before or 12 hours after the
windstorm loss.
See Note A.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
11
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Commercial Mutual
Insurance Company
(3 to 4 Family risks)
2% and 5%
$1000
New York City and Westchester a
2% Nassau and Suffolk a 5%
$1000
The deductible is $1000 for Category 1
hurricane of 74 mph and 2% and 5% for
category 2 hurricanes of 96 mph.
Will apply to any windstorm loss that occurs
12 hours before a hurricane begins resulting
in Category 1 hurricane force winds or
hurricane force winds of a greater velocity in
any coastal county, regardless of the specific
location of your property, and ends 12 hours
after a hurricane resulting in category 1
hurricane force winds or hurricane force
winds of a greater velocity in any coastal
county, regardless of the specific location of
your property.
The deductible is $1000 for Category 1
hurricane of 74 mph
Category 2 hurricanes of 96 mph.
Mandatory $1000 applicable for
category 1 and 2% for category 2 in
Bronx, Kings, New York, Queens,
Richmond and Westchester.
Mandatory $1000 applicable for
category 1 and 5% for category 2 in
Nassau and Suffolk.
Mandatory $1000 applicable for
category 1 and 2% for 2 in New York
and Westchester.
Mandatory $1000 applicable for
category 1 and 5% for category 2 in
Nassau and Suffolk.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
12
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Constitution Insurance
Company
2%, 3%, 5%
The deductible applies to windstorm loss that
occurs within a period of 12 hours before or
12 hours after the storm which caused the
loss makes landfall anywhere in New York
State as a declared Category 1, 2, 3, 4 or 5
hurricanes.
5% - Northwest Suffolk (within 0.25
miles and 1 mile of nearest coast),
Southwest Suffolk (within 0.25 miles
and 1 mile of nearest coast) and East
Suffolk (within 0.25 miles and 1 mile of
nearest coast).
3% - Northwest Suffolk (between 1 & 2
miles of nearest coast), Southwest
Suffolk (between 1 & 2 miles of nearest
coast), East Suffolk (between 1 & 2
miles of nearest coast), North Nassau
(within 0.25 miles and 1 mile of nearest
coast), South Nassau (within 0.25 miles
and 1 mile of nearest coast).
2% - North Nassau (between 1 & 2 miles
of nearest coast), South Nassau (between
1 & 2 miles of nearest coast).
Continental,
3% and 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Category 2
(1) Beginning 24 hrs prior to the time that ha
wind exceed 100 m/p/h occurs in any part of
NY during a hurricane, as estimated by the
NWS;
(2) During the duration of such hurricane;
and
(3) Ending 12 hours after the last time the
NWS declares that the hurricane has been
downgraded to a tropical storm.
Kings, Queens, New York, Richmond,
Westchester, Bronx, Nassau and Suffolk
Delos Insurance Company
(Introductory HO filing)
2% and 5%
The deductible amount applies to
the dwelling’s insured value.
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 1 hurricane, as
determined by the National Weather Service,
makes landfall anywhere in NYS.
2% - New York, Bronx, Westchester,
and located within 3 miles of the coast.
5% - Richmond, Queens, Kings, Nassau,
Suffolk, and located within 3 miles of
the coast.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
13
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Economy Premier
Assurance Company
Bronx: 3%
Kings: 5% within 1 mile of coast:
3% elsewhere
Nassau: 55 within 1 mile of coast:
3% elsewhere
New York: 3%
Queens: 5% within 1 mile of
coast: 3% elsewhere
Richmond: 3%
Suffolk 5% within 1 mile of coast;
3% elsewhere
Westchester: 3%; selected zip
codes: 2% selected zip codes: All
other peril deductible elsewhere.
Category 1
1. beginning 12 hours prior to the time that a
wind speed exceeding 74 miles per hour
occurs in any part of New York State during
a hurricane, as estimated by the NWS.
2. during the duration of such
Hurricane
3. and ending 12 hours after the last
time the NWS declares that the hurricane has
been downgraded to a tropical storm.
Bronx, Kings, Nassau, New York,
Queens, Richmond, Suffolk, Cities of
Yonkers, Remainder of Westchester
County (excluding zip codes 10511,
10535, 10547, 10548, 10566, 10567 and
10588).
Electric
2%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible will apply when a windstorm
loss occurs within a period of 12 hours
before and 12 hours after a Category 2
hurricane or higher, as determined by the
National Weather Service, makes landfall
anywhere in NYS.
Brooklyn, Queens, Staten Island, Bronx,
Nassau and Suffolk.
Empire
5% for risks up to 1 mile of the
south shore of LI and within 1000
feet of the north shore of LI and
Westchester. A 3% will apply to
the remainder of the Bronx,
Brooklyn, New York, Queens,
Richmond, Nassau and Suffolk
counties.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible applies to losses which occur
as a result of either: a) a Category 1 or higher
hurricane making landfall in NYS, or b) a
hurricane making landfall outside of NYS,
but which is determined by the National
Weather Service to be a Category 1 or higher
hurricane force winds in the area within NYS
in which the losses occur.
Brooklyn, Queens, Westchester, Nassau,
Suffolk, Bronx, Richmond, & New York
counties.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
14
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Encompass
A 5% hurricane deductible will be
mandatory for risks located 1 mile
or less from shore of the
following areas: I. The counties
of Queens, Kings, Richmond,
New York and Bronx.
II. The entire southern shore of
Nassau County, but not the
northern shore.
III. The entire southern shore of
Suffolk County, the shore in the
Suffolk County forks, and
the northern shore of Suffolk
County east of and including zip
code 11778.
A 3% hurricane deductible will be
mandatory for risks located in
Kings, Queens, Nassau and
Suffolk (Long Island), New York,
Richmond (Staten Island) and
Bronx counties not having a 5%
hurricane deductible as defined in
above.
For risks located 1,500 feet or less
from shore: (Applicable to
Westchester County only) A 3%
hurricane deductible will be
mandatory. The deductible
amount applies to the dwelling’s
insured value of the dwelling.
Category 2 or higher hurricane as designated
by the National Weather Service, at the time
it impacts anywhere in New York.
Brooklyn, Queens, Westchester, Nassau,
Suffolk, Bronx, Richmond, & New York
counties.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
15
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Farm Family Casualty
Insurance Company
Homeowners’ Program -
1% and 2%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Applies to loss to property caused by wind,
wind gusts, rain, tornadoes, or cyclones
during a catastrophic windstorm occurrence
(time period that occurs within a period of 12
hours before or 12 hours after the storm
which caused the loss makes landfall
anywhere in NYS and is declared by the
National Hurricane Center of the NWS as a
Category 2, 3, 4, or 5 hurricanes.
1% (but not less than $1,000) - Kings,
Queens, Richmond, Bronx and
Westchester counties
2% (but not less than $2,000) - Nassau
and Suffolk counties.
Farmers New Century,
Band I 5%
Band II 2%
Band III 1%
Band IV no special deductible
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Applies to windstorm loss within a period of
12 hrs. before or 12 hrs. after the storm
which caused the loss makes landfall
anywhere in New York State as declared by
NWS as Category 2 or higher hurricane.
Suffolk, Nassau, Queens, Kings,
Richmond and Westchester counties.
Fidelity and Deposit Co.
of MD
2%, 3% and 5 %
A percentage deductible applies to
windstorm loss that occurs within a period of
12 hours before or 12 hours after that storm
which caused the loss makes landfall
anywhere in New York State as a declared
Category 1, 2, 3, 4 or 5 hurricanes.
New York, Bronx, Kings, Westchester:
2%
Richmond, Queens: 3%
Suffolk, Nassau: 5%
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
16
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Fidelity National Ins. Co.
2% or 5% (see Territory)
A percentage deductible applies to
windstorm loss that occurs within a period of
12 hours before or 12 hours after the storm
which caused the loss makes landfall
anywhere in New York State as a declared
Category 1, 2, 3, 4 or 5 hurricanes.
Richmond, Queens, Kings, Nassau,
Suffolk Counties:
(1) All risks located on a barrier island
or within 2 miles of the south shore or 1
mile of the north shore: 5% hurricane
deductible in combination with an All
Other Perils deductible of at least $500.
(2) All other areas: 2% hurricane
deductible in combination with an All
Other Perils deductible of at least $500.
New York, Bronx, Westchester:
2% hurricane deductible in
combination with an All Other Peril
deductible of at least $500.
Fireman’s Fund
2% or 1%.
5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible applies to losses which occur
as a result of either: a) a Category 1 or higher
hurricane making landfall in NYS, or b) a
hurricane making landfall outside of NYS,
but which is determined by the National
Weather Service to be a Category 1 or higher
hurricane force winds in the area within NYS
in which the losses occur.
Mandatory 2% for Nassau and Suffolk.
Mandatory 1% for SI, Queens, &
Brooklyn.
Mandatory 5% on risks located within 3
miles of the Atlantic Shore in Suffolk
and Nassau counties. For the remainder
of these risks in these territories (those
located more than 3 miles away from the
Atlantic Shoreline), the Mandatory
Deductible will remain at 2%.
First American Specialty
5%
Catastrophe windstorm percentage deductible
applies to loss to property caused by wind,
wind gusts, rain, tornadoes, or cyclones
during a catastrophic windstorm occurrence
(time period that occurs within a period of 12
hours before or 12 hours after the storm
which caused the loss makes landfall
anywhere in New York State and is declared
by the National hurricane Center of the
National Weather Service as a Category 1, 2,
3, 4, or 5 hurricane.
Kings (Brooklyn), Queens, Richmond
(Staten Island), New York (Manhattan),
Bronx, Nassau or Suffolk
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
17
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
First Liberty Ins. Corp
2% and 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The mandatory hurricane deductible applies
to a windstorm loss that occurs within a
period of 12 hours before or 12 hours after
the storm which caused the loss makes
landfall anywhere in NYS as declared by the
National Weather Service to be a Category 2
hurricane or higher; or makes landfall outside
of NYS, but which is determined by the
National Weather Service to be a Category 2
or higher hurricane force winds in the area
within NYS in which the loss occur.
Policies effective prior to 9/11/2006: A
5% mandatory hurricane deductible will
apply to all properties located within one
mile of the coastline on the South-shore
only of Kings, Nassau, Queens, and
Suffolk counties.
2% mandatory hurricane deductible will
apply to all other properties located in
Kings, Nassau, Queens, and Suffolk
counties.
2% mandatory deductible will apply to
all properties located in Richmond
County.
New business policies effective between
9/11/2006 and December 10, 2006:
5% mandatory hurricane deductible will
apply to all properties located in Nassau
and Suffolk counties.
5% mandatory hurricane deductible will
apply to all properties located within one
mile of the coastline in Bronx, Kings,
New York, Queens, Richmond, and
Westchester counties
For new business effective on or after
December 11, 2006: A mandatory 5%
hurricane deductible will apply to all
policies in Bronx, Kings, Nassau, New
York, Queens, Richmond, Suffolk and
Westchester counties.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
18
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Garrison P& C Ins. Co
2% - Coverage A - $100,000 or
higher
$2,000 – Coverage A $99,999 or
less
The deductible applies to windstorm loss that
occurs within a period of 12 hours before or
12 hours after the storm which caused the
loss makes landfall anywhere in New York
State as a declared Category 1, 2, 3, 4 or 5
hurricanes.
Category 1 hurricane is a storm that
originates in the tropics and results in either a
sustained wind speed of at least 74 miles per
hour or a storm surge of at least six feet
above normal.
Richmond, Queens, New York, Bronx,
Kings, Nassau, Suffolk
Gen Accident
See note A.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable to windstorm
loss to covered property, that occurs within a
period of 12 hours before or 12 hours after
the storm which caused the loss makes
landfall anywhere in New York State as
declared to be a Category 2, 3, 4 or 5
hurricanes by the National Weather Service.
See Note A.
General Casualty
Company of Wisconsin
5%
For the Windstorm Deductible –
New York Catastrophe
Percentage and Non-Catastrophe
Fixed dollar.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Windstorm losses that occur within a period
of 12 hours before or 12 hours after a storm
that causes a loss that makes landfall
anywhere in New York state as a declared
Category 2, 3, 4, or 5 hurricanes.
For all dwellings located in Bronx,
Kings, Nassau, Queens, Richmond,
Suffolk, and the cities of Larchmont,
Mamaroneck, Mount Vernon, New
Rochelle, Port Chester and Rye in
Westchester County.
Greater NY Mut. & Ins.
Co. of Greater NY
3%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Category 2 hurricane.
3% hurricane deductible to be applicable
to all risks located within 2500 feet and
1000 feet from the waterfront in
Brooklyn, Queens, Nassau and Suffolk.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
19
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Hanover Ins. Co.
1%, 2%, 3% and 5%
The Hurricane percentage deductible
applies to a windstorm loss that occurs
within a period of 12 hours before or 12
hours after the storm which caused the
loss makes landfall anywhere in New
York State as a declared Category 1, 2,
3, 4
or 5 hurricane by the National Weather
Service.
2% Deductible Mandatory for:
• Westchester (greater than or equal
to 0.2 miles and less than 2 miles)
• Bronx, Queens, Kings, Richmond,
Manhattan (greater than or equal to 1
mile)
3% Deductible Mandatory for:
• Nassau
- North Shore - greater than or equal
to 0.5 miles
- South Shore - greater than or
equal to 1 mile
• Suffolk
- North Shore - greater than 1 mile
- South Shore - greater than 3 miles
5% Deductible Mandatory for Suffolk:
- North Shore - greater than or equal
to 0.5 miles and less than 1 mile
- South Shore - greater than or
equal to 1 mile and less than 3 miles
- Any risk located on the North or
South fork East of Riverhead
Harleysville Ins.
Company of NY
5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable to a windstorm
loss if, according to the National Weather
Service, a Category 1, 2, 3, 4 or 5 hurricane
makes landfall anywhere in New York State
within 12 hours before or 12 hours after
windstorm loss to covered property first
occurs.
Brooklyn, Bronx, Queens, Nassau,
Suffolk & Richmond.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
20
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Harleysville Preferred Ins.
Co.
5%
Homeowners: The deductible
amount is based on the insured
value Coverage A.
Dwelling Fire: The deductible
amount is based on the insured
value of Coverage A or B,
whichever is greater.
Applies to Windstorm loss that occurs within
a period of 12 hours before or 12 hours after
the storm which caused the loss makes
landfall anywhere in New York State as a
“declared” Category 1, 2, 3, 4 or 5
hurricanes.
"Declared" means declared by the National
Weather Service.
Bronx, Kings, Nassau, Queens,
Richmond, Suffolk and Westchester
(within 2 of salt water)
Harleysville- Worcester
5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable to a windstorm
loss if, according to the National Weather
Service, a Category 1, 2, 3, 4 or 5 hurricane
makes landfall anywhere in New York State
within 12 hours before or 12 hours after
windstorm loss to covered property first
occurs.
Brooklyn, Queens, Nassau, Suffolk &
Richmond.
Hartford Cas. Ins. Co.
Hartford Ins. Co. of
Illinois
5% & 2%.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The Hurricane Deductible applies to covered
losses caused by hurricane that occurs within
a period of 12 hours before or 12 hours after
the storm which caused the loss: 1) makes
landfall anywhere in New York State as a
Category 2, 3, 4 or 5 hurricanes as declared
by the National Weather Service; or 2)
creates hurricane force winds to category 2 or
higher, as determined by the National
Weather Service, anywhere in the county
within New York State, in which the covered
property is located
5% -
Suffolk: all locations
Nassau: all locations
Kings: all locations
2% -
Queens: all locations
Richmond: all locations
Bronx: all locations
New York: all locations
Westchester: all locations within 2 miles
of the shore
Holyoke Mutual in Salem
Based on Coverage A limit:
$124,000 & Under N/A
$125,000-$300,000 $2,500
$300,001-$600,000 $5,000
$600,001-$$1,000,000 $7,500
$1,000,000 & Over $10,000
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Hurricane deductible applies to a hurricane
loss that occurs within a period of 12 hours
before or 12 hours after the storm which
caused the loss makes landfall anywhere in
NYS as a declared Category 2, 3, 4 or 5
hurricanes by the National Weather Service.
2,500 ft from south areas along the shore
of Kings, Queens, Richmond and Suffolk
counties.
1,000 ft. from north shore areas along
the shores of Bronx, Nassau,
Westchester and Suffolk counties.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
21
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Homesite Insurance
Company of New York
HO Program II
2% and 5% of Coverage A limits
for Standard and Deluxe Policies.
5% - Coverage A
2% - Coverage A
The hurricane deductible applies to
windstorm loss that occurs within a period of
12 hours before or 12 hours after the storm
which caused the loss makes landfall
anywhere in New York State as a declared
Category 1, 2, 3, 4 or 5 hurricanes, or
makes landfall outside of New York State,
but which is determined by the
National Weather Service to provide
Category 1 or higher force winds in the
area within New York State in which the
losses occur.
"Declared" means declared by the National
Weather Service.
The deductible applies to windstorm loss that
occurs within a period of 12 hours before or
12 hours after the storm which caused the
loss makes landfall anywhere in New York
State as a declared Category 1, 2, 3, 4 or 5
hurricanes. Category 1 hurricane is a storm
that originates in the tropics and results in
either a sustained wind speed of at least 74
miles per hour or a storm surge of at least six
feet above normal.
“
5%: Richmond, Queens, New York,
Bronx, Kings, Nassau, and Suffolk; and
specific zip codes in Westchester
County.
2%: Specific zip codes in Westchester
County.
Richmond, Queens, New York, Bronx,
Kings, Nassau, Suffolk
Selected Areas in Westchester
Hyundai Marine & Fire
Ins. Co
2%
Windstorm loss that occurs within a period of
12 hours before or 12 hours after the storm
which makes landfall anywhere in the New
York State as a declared Category 2, 3, 4, or
5 hurricanes.
“Declared” means declared by the national
Weather Service.
Richmond, Queens, Bronx, Kings,
Suffolk, Westchester, and Nassau
Counties.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
22
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
ISO
Optional See Note A
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 2 hurricane, as
determined by the National Weather Service,
makes landfall anywhere in NYS.
See Note A.
Kansas City Fire &
Marine
3% and 5%, depending on
distance from shore.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Category 2
Westchester: 1,500’ or less from shore =
3%;
1 ml. or less from shore in following
areas: Queens, Kings, Richmond, New
York and Bronx, entire southern shore of
Suffolk County, the Suffolk County
forks and northern shore of Suffolk
County east of and including zip code
11778 = 5%;
All other areas in the above counties
(except Westchester county) = 3%.
Kemper Group
2% & 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 2 hurricane, as
determined by the National Weather Service,
makes landfall anywhere in NYS.
5 NYC boroughs, Nassau, Suffolk and
Westchester counties
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
23
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Kemper Independence
Insurance Co.
3% and 5%
Applies to windstorm loss that occurs in the
time period:
• Beginning at the time a category 1 or higher
hurricane determined and declared by the
National Weather Ser-vice makes landfall in
any part of the “state” of New York
• In which a hurricane makes landfall outside
of New York State but is determined by the
National Weather Service to have Category 1
or higher force winds in the territory within
New York State in which the losses occur.
If a hurricane produces a minimum
hurricane wind speed at any NWS
measuring site in the county in which the
dwelling is located, this deductible will
apply.
5%:
- 1000’ of the shore in Richmond
- 2500’ of the northern shore of
LI; and
- 1 mile of the southern shore of
LI.
3%:
- Nassau, Suffolk, Queens,
Kings, New York, Bronx,
Richmond Counties where the
5% deductible is not required;
and
- Original policy effective date
prior to 07/09/2009: Within
1,500 feet of the shore in
Westchester County; or
Original policy effective date on
or after 07/09/2009: Within
two miles of the shore in
Westchester County
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
24
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Kingstone Insurance Co.
Category 1: $1,000
Category 2: 2% or 5%
The deductible is $1000 for Category 1
hurricane of 74 mph and 2% and 5% for
Category 2 hurricanes of 96 mph.
Will apply to any windstorm loss that occurs
12 hours before a hurricane begins resulting
in Category 1 hurricane force winds or
hurricane force winds of a greater velocity in
any coastal county, regardless of the specific
location of your property, and ends 12 hours
after a hurricane resulting in category 1
hurricane force winds or hurricane force
winds of a greater velocity in any coastal
county, regardless of the specific location of
your property.
Bronx, Kings, Nassau, New York,
Queens, Richmond, Suffolk and
Westchester: 2%
Lancer
See Note A.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible shall be activated only in the
event a Category 2 Storm, as defined by the
National Weather Service, makes landfall
within the geographic boundaries of the State
of New York and shall apply only to losses as
a result of that storm for damage and loss
covered under the peril of windstorm.
See Note A.
Lemonade Insurance
Company
1%, 2%, and 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
A higher percentage or fixed dollar
deductible amount that applies to Windstorm
loss that occurs within a period of 12 hours
before or 12 hours
after the storm which caused the loss makes
landfall anywhere in New York State as a
declared Category 2,
3, 4 or 5 hurricanes.
"Declared" means declared by the National
Weather Service.
Nassau and Suffolk counties:
Minimum mandatory
Hurricane Deductible equal to 5% if
the insured property is located within
1 mile of the North shore or within 5
miles of the South shore. A
Hurricane Deductible equal to 2% for
all other property.
Queens, Kings, Richmond counties:
Minimum mandatory Hurricane
deductible equal to 5% if the insured
property is located within one mile of the
coast, 2% if the insured property is
located between 1‐5 miles of the coast,
and 1% for all other property.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
25
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Liberty Mutual Fire;
Liberty Insurance Corp.;
LM Ins. Corporation; and
The First Liberty Ins.
Corporation
5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Bronx, Kings, Nassau, New York, Queens,
Richmond and Suffolk counties
A “Hurricane” is defined as a storm system
that has been declared a Hurricane by the
National Weather
Service and which causes sustained winds of
greater than or equal to 74 miles per hour in
any part of the state of New York. It includes
the wind, wind gusts, hail, rain, lightning,
snow or sleet, tornadoes or cyclones or any
other weather conditions caused by or
resulting from the storm system.
Westchester County
A “Hurricane” is defined as a storm system
that has been declared a Hurricane by the
National Weather
Service and which causes sustained winds of
greater than or equal to 96 miles per hour in
any part of the state of New York. It includes
the wind, wind gusts, hail, rain, lightning,
snow or sleet, tornadoes or cyclones or any
other weather conditions caused by or
resulting from the storm system.
The “Duration of a Hurricane” means the
time period beginning 12 hours before and
ending 12 hours after
the hurricane which caused the loss makes
landfall anywhere in New York State as
determined by the
National Weather Service, or makes landfall
outside of New York State, but which is
determined by the
National Weather Service to provide
Category 1 (Category 2 for Westchester) or
higher force winds in the area within New
York State in which the losses occur.
Bronx, Kings, Nassau, New York,
Queens, Richmond, Suffolk, and
Westchester counties.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
26
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Massachusetts Bay Ins
Co.
HO-4 Wrap Around Endorsement
for risks less than 1 mile.
5% and 2% applies to risks 1 to 3
miles and greater.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
(a) To a windstorm loss that occurs within a
period of 12 hours before or 12 hours after
the storm which caused the loss makes
landfall anywhere in New York State as a
declared Category 1, 2, 3, 4 or 5 hurricanes
by the national Weather Service.
(b) To a windstorm loss that occurs within a
period of 12 hours before or 12 hours after
the storm which caused the loss makes
landfall outside of New York State, but
which is determined to be a Category 1 or
higher force winds by the national Weather
Service in the area (territory) within New
York State in which the loss occurs.
“Declared” means declared by the National
Weather Service.
For Nassau and Suffolk Counties: a 5%
windstorm deductible for risks located 1
to 3 miles or greater from distance to
nearest shore line.
HO-4 Windstorm Wrap Around
endorsement for risks located less than 1
mile form the distance to nearest shore
line.
For Kings, New York, Bronx, Queens,
Richmond and Westchester Counties:
2% Windstorm deductible for risk
located 1 to 3 miles and greater from
distance to nearest shore line.
HO-4 Windstorm Wrap around
endorsement for risks less than 1 mile
from distance to nearest shore line.
Merchants Mutual
Insurance Company
Adopted ISO’s deductible with
the exception of a mandatory
$500 windstorm deductible for
the affected areas.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
3% and 5%
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 1 hurricane, as
determined by the National Weather Service,
makes landfall anywhere in NYS.
5% - within 1 mile of the south shore in
Nassau, Suffolk, Queens, Kings, Bronx,
New York and Richmond Counties;
- any property east of East Hampton on
the South Branch of LI; and
- any property east of Southold on the
North Fork of LI.
3% - within 1 ml of the shore in
Westchester County; and
- remainder of properties located in
Nassau, Suffolk, Queens, Kings, Bronx,
New York and Richmond Counties.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
27
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Merchants Preferred
Insurance Company
Adopted ISO’s deductible with
the exception of a mandatory
$500 windstorm deductible for
the affected areas.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
3% and 5%
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 1 hurricane, as
determined by the National Weather Service,
makes landfall anywhere in NYS.
5% - within 1 mile of the south shore in
Nassau, Suffolk, Queens, Kings, Bronx,
New York and Richmond Counties;
- any property east of East Hampton on
the South Branch of LI; and
- any property east of Southold on the
North Fork of LI.
3% - within 1 ml of the shore in
Westchester County; and
- remainder of properties located in
Nassau, Suffolk, Queens, Kings, Bronx,
New York and Richmond Counties.
Mercury Casualty
5% mandatory for risks located
less than 1 mile of the shore.
3% mandatory for risks located 1
mile or greater from the shore.
Category 1 or higher as designated by the
National Weather Service.
Kings, Queens, Westchester, Nassau,
Suffolk, Bronx, Richmond and New
York.
Merrimack Mutual Fire
2%
When a windstorm loss occurs within a
period of 12 hours before or 12 hours after
the Category 1 or higher (landfall anywhere
in NY State).
Richmond, Queens, Bronx, Kings,
Suffolk and Nassau
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
28
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Metropolitan P&C
Economy Premium
Assurance Co.
2%, 3%, 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Category 1
1. beginning 12 hours prior to the time
that a wind speed exceeding 74miles
per hour occurs in any part of New York
State during a hurricane, as estimated by the
NWS.
2. during the duration of such Hurricane
3. and ending 12 hours after the last time the
NWS declares that the hurricane has been
downgraded to a tropical storm.
Bronx, New York, Richmond: 3%
Kings, Queens, Nassau, Suffolk: 5%
within 1 mile of coast; 3% elsewhere
Westchester: 3% selected zip codes; 2%
selected zip codes; and AOP deductible
elsewhere.
MIC General Ins. Corp.
5%
Applies to Windstorm loss that occurs within
a period of 12 hours before or 12 hours after
the storm makes landfall anywhere in New
York State as a declared Category 1, 2, 3, 4,
or 5 hurricanes. “Declared” means declared
by the National Weather Service.
Kings, Queens, Richmond, Suffolk,
Westchester and Nassau
Mountain Valley
Indemnity Company
5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible applies to windstorm loss that
occurs within a period 12 hours before or 12
hours after the storm makes landfall
anywhere in NYS as a declared Category 1,
2, 3, 4 hurricanes.
“Declared” means declared by the National
Weather Service.
Richmond, Queens, Kings, Bronx,
Nassau, Westchester and Suffolk
County.
Narragansett Bay Ins Co
5%, 3% ,2%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
A percentage of the Coverage A dwelling
limit of liability deductible applies to
windstorm loss that occurs within a period of
12 hours before or 12 hours after the storm
which caused the loss makes landfall
anywhere in the residence premises state of
New York as a declared Category 1, 2, 3, 4
or 5 hurricanes.
5% - Suffolk
3% Suffolk – greater than 1 mile of
nearest coast;
Nassau
2% - Nassau - greater than one mile of
nearest coast
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
29
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
National General Ins. Co.
Owners:
3% - Kings, Queens,
Richmond, Nassau and
the Bronx and within 2
miles of the coastline in
Westchester
5% - Suffolk
Tenants/Co-ops and
Condo: $1,000
Windstorm loss that occurs within a period
of 12 hours before or 12 hours after the
Category 1, 2, 3, 4 or 5 hurricane which
caused the loss:
-makes landfall anywhere in the state of New
York as determined by the National Weather
Service; or
-makes landfall outside of the state of New
York State but which is determined by the
National Weather Service to provide
Category 1 or higher force winds in the
territory within New York State in which the
losses occur.
Bronx, Suffolk, and within 2 miles of
the coastline in Westchester
National Grange
2%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable to a windstorm
loss that occurs within a period of 12 hours
before or 12 hours after the storm, which
caused the loss, makes landfall anywhere in
New York State as declared Category 2, 3, 4
or 5 hurricanes by the National Weather
Service.
Long Island
Nationwide Property &
Casualty Ins co
Nationwide Mutual Fire
Insurance
Nationwide General
Insurance Company
2%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The hurricane deductible is applicable to
hurricane losses, as defined below, that occur
within a period of 12 hours before or 12
hours after the storm which caused the loss
makes landfall anywhere in New York State.
“Hurricane" means any one storm which:
1. Is declared to be a "hurricane" by the
National Hurricane Center/Tropical
Prediction Center; and
2. As a declared "hurricane", produces
"hurricane" force sustained winds:
a. Over land in the state of New York in the
county in which losses occur; or
b. The eye of the "hurricane" moves on shore
in the state of New York.
Any storm, including a tropical storm, which
does not become a "hurricane" as declared by
the National Hurricane Center/Tropical
Prediction Center will not be considered a
"hurricane.”
Bronx County, Kings County, Nassau
County, New York County, Queens
County, Richmond County, Suffolk
County and zip codes 10538, 10543,
10573, 10580, 10801, 10802, 10803,
and 10805 in Westchester County.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
30
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
NGM
2%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable to a windstorm
that occurs within a period of 12 hours before
or 12 hours after the storm which caused the
loss makes landfall anywhere in New York
State as a declared Category 2, 3, 4 or 5
hurricanes.
"Declared" means declared by the National
Weather Service.
Minimum 2% Catastrophe deductible will
be applied to Homeowner risks located
in Nassau and Suffolk Counties that
do not have a minimum 2% Standard
Windstorm Deductible.
Norfolk & Dedham
5%, 2% or 1%, depending from
the distance from shore.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible applies to losses which occur
as a result of either: a) a Category 1 or higher
hurricane making landfall in NYS, or b) a
hurricane making landfall outside of NYS,
but which is determined by the National
Weather Service to be a Category 1 or higher
hurricane force winds in the area within NYS
in which the losses occur.
Long Island, Westchester, Brooklyn and
Queens :
0-1 mile = 5%
1-2 miles = 2%
over 3 miles = 1%
NY Casualty
1%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The hurricane deductible applies to
windstorm loss that occurs within a period of
12 hours before or 12 hours after the storm
which caused the loss makes landfall
anywhere in NYS as declared by the National
Weather Service to be a category 1,2,3,4 or 5
hurricanes.
Kings, Queens, Richmond, Suffolk, &
Nassau Counties.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
31
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
NY Central Mut.
For “A” program only
3% & 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
3% and 5%
The deductible applies to windstorm loss that
occurs within a period of 12 hours before or
12 hours after the storm which caused the
loss makes landfall anywhere in NYS as
declared by the National Weather Service to
be a Category 2, 3, 4, or 5 hurricanes.
The Catastrophe Windstorm deductible is
subject to:
A higher percentage amount that applies to
Windstorm loss that occurs within a period of
12 hours before or 12 hours after the storm
which caused the loss makes landfall
anywhere in New York State as a declared
Category 2, 3, 4 or 5 hurricanes.
“Declared” means declared by the National
Weather Service.
3% - Applicable to Bronx, Kings,
Queens, Richmond, New York, Nassau
County and within 1500 feet from the
shore in Westchester County.
5% - Applicable in Suffolk County.
3% - Applicable in Nassau County,
Kings, Queens, Richmond, Bronx, New
York and within 1500 feet of the shore
in Westchester county.
5% - Applicable in Suffolk county.
Optional 4% and 10% are available.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
32
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Occidental F & C
5% Category 1 &
3% Category 2
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
5%, Category 1 for risks located
2500 feet from the north shore of
Nassau, Suffolk, and Queens;
2500 feet from the shore of the
Bronx and Westchester; 1 mile
from the south shore of Nassau,
Suffolk, Queens, Kings and
Richmond; and throughout the
following zip codes in Suffolk
County: 11935, 11939, 11944,
11948, 11952, 11957 11958,
11964, 11937, 11946, 11954,
11963, 11968, 11976, 11965 and
11971.
3%, Category 2 for all remaining
risks in the applicable territories
The 5%, Category 1 deductible will apply to
such loss caused by a hurricane windstorm to
an insured location during the following time
period:
a) beginning 24 hours prior to the time
that a wind speed exceeding 73
miles per hours that occurs in any
part of the state of New York during
a hurricane, as estimated by the
National Weather Service;
b) during the duration of such
hurricane; and
c) ending 12 hours after the last time
the National Weather Service
declares that the hurricane has been
downgraded to a tropical storm.
The 3 %, Category 2 deductible will apply to
such loss caused by a hurricane windstorm to
an insured location during the following time
period:
a) beginning 24 hours prior to the time
that a wind speed exceeding 95
miles per hours that occurs in any
part of the state of New York during
a hurricane, as estimated by the
National Weather Service;
b) during the duration of such
hurricane; and
c) ending 12 hours after the last time
the National Weather Service
declares that the hurricane has been
downgraded to a tropical storm.
Nassau, Suffolk, Kings, Queens, Bronx,
Richmond, New York and Westchester.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
33
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
One Beacon
3% and 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible applies to windstorm loss that
occurs within a period of 12 hours before or
12 hours after the storm which caused the
loss makes landfall anywhere in NYS as
declared by the National Weather Service to
be a Category 2, 3, 4, or 5 hurricanes.
Long Island, Staten Island, Queens,
Bronx, Brooklyn and NY.
3% for dwellings located in Richmond,
Queens, Bronx, Kings and Nassau
Counties.
5% for all dwellings located in Suffolk
County
Pacific Employers
5%
2%
1%
Optional higher 2%, 5% 10%
Category One or higher hurricane making
landfall anywhere in the State of NY or,
any hurricane making landfall outside the
State of NY, provided there are Category 1or
higher Hurricane force winds in the area
within NYS as determined by the National
Hurricane Center or the National Weather
Service.
Nassau and Suffolk
5% hurricane deductible if within 3
miles of the Atlantic shore
2% hurricane deductible if more than 3
miles away from Atlantic shore
Richmond, King, Queens
1% hurricane
Optional 1%, 2%, 5%, 10% in Bronx
and Westchester Counties (excluding
Yonkers)
Peerless Insurance
Company
Mandatory 5%
The company will continue to
write new business if the distance
is greater than one mile from
shore, and between 2,500 feet and
one mile from the shore if the risk
elevation is greater than 15 feet.
Category 2
The hurricane deductible applies to
windstorm loss that occurs within a period of
12 hours before or 12 hours after the storm
which caused the loss makes landfall
anywhere in NYS as declared by the National
Weather Service to be a Category 2, 3, 4 or 5
hurricanes.
5% in territories of Richmond, Queens,
Bronx, Kings, Suffolk, Nassau.
2% in Westchester County if the insured
dwelling is less than two(2) miles from
the coast
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
34
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Pennsylvania General
$1000, 3% & 5%.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible applies to windstorm loss that
occurs within a period of 12 hours before or
12 hours after the storm which caused the
loss makes landfall anywhere in NYS as
declared by the National Weather Service to
be a Category 2, 3, 4, or 5 hurricanes.
3% for Kings, Queens, Nassau,
Richmond and the Bronx and a 5% for
and Suffolk counties and 3% within one
mile in Westchester county for forms
HO-2 and HO-3.
For forms HO-4 and HO-6, a $1,000
deductible will be applied in the counties
of Westchester, Kings, Queens,
Richmond, Nassau, Suffolk and the
Bronx.
Preserver Ins. Co.
Owners:
3% - Kings, Queens, Richmond,
Nassau and the Bronx and within
2 miles of the coastline in
Westchester
5% - Suffolk
Tenants/Co-ops and Condo:
$1,000
Windstorm loss that occurs within a period
of 12 hours before or 12 hours after the
Category 1, 2, 3, 4 or 5 hurricane which
caused the loss:
a.-makes landfall anywhere in the state of New
York as determined by the National Weather
Service; or
b.-makes landfall outside of the state of New
York State but which is determined by the
National Weather Service to be a category 1
or higher force winds in the territory within
New York State in which the losses occur.
Kings, Queens, Richmond, Nassau,
Bronx, Suffolk, and within 2 miles of the
coastline in Westchester
Property & Casualty of
Hartford
5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible applies to losses which occur
as a result of either: a) a Category 2 or higher
hurricane making landfall in NYS, or b) a
hurricane making landfall outside of NYS,
but which is determined by the National
Weather Service to be a Category 2 or higher
hurricane force winds in the area within NYS
in which the losses occur.
Staten Island, Queens, Brooklyn, Nassau
and Suffolk.
Providence Washington
1%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible applies to windstorm loss that
occurs within a period of 12 hours before or
12 hours after the storm which caused the
loss makes landfall anywhere in NYS as
declared by the National Weather Service to
be a Category 1, 2, 3, 4, or 5 hurricanes.
See Note A.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
35
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Prudential
2%, 3% and 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable to a windstorm
loss caused by winds in New York from at
least a Category 2 hurricane as classified by
the National Weather Service.
2% for Bronx and Westchester Counties;
For the remainder of the Coastal areas: a
3% beyond one mile of southern
shoreline; or
a 5% in the Forks of Suffolk County and
within 1 mile of the southern shoreline.
Quincy Mutual
(Introduction of
mandatory hurricane
deductible)
Same as ISO (except differences
noted in Comments).
The deductible amount applies to
the dwelling’s insured value
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 2 hurricane, as
determined by the National Weather Service,
makes landfall anywhere in NYS.
Mandatory in: Richmond, Queens, New
York, Bronx, Kings, Suffolk, Nassau,
Westchester, Yonkers, New Rochelle,
and Mount Vernon
Royal & SunAlliance,
2%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Category 2 Hurricane.
Nassau and Suffolk counties.
Rutgers Casualty Ins. Co.
5%
A windstorm loss that occurs within a period
of 12 hours before and 12 hours after the
storm that caused the loss makes landfall
anywhere in NYS as a declared Category 1,
2, 3, 4 or 5 hurricanes.
Richmond, Queens, Bronx, Kings,
Suffolk, Westchester, and Nassau.
Safeco Ins. Co. of Indiana
5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable when a
hurricane produces a minimum wind speed of
74 mph at any National Weather Service
measuring site in the county in which the
dwelling is located. The duration of a
hurricane includes the period of time
beginning 12 hours prior to the time
hurricane force wind speeds are measured at
any National Weather Service measuring site
in this state and ends 12 hours after the final
announcement by the National Hurricane
Center of the National Weather Service
declaring the hurricane has been downgraded
to a tropical storm.
Bronx, Kings, Nassau, New York,
Queens, Richmond, Suffolk and certain
zip codes in Westchester County.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
36
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Security of Hartford
2%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Category 2 hurricane making landfall in
NYS.
Bronx, Kings, Queens, Richmond, New
York, Suffolk, & Nassau Counties
Security Mutual Insurance
Company
2%, 4% and 5%
hurricane deductible
Flat $1,000
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The trigger is category 1 for windstorm 74
mph or greater and a Category 2 for
windstorm 96 mph or greater.
Depending on the wind speed the deductible
varies. If Category 1 a flat $1000 would
apply. If Category 2 or higher a percentage
deductible would apply.
Hurricane Deductible Duration is the period
during which the hurricane deductible shall
apply to any windstorm loss that occurs 12
hours before a hurricane begins resulting in
category 1 hurricane force winds or hurricane
force winds of a greater velocity in any
coastal county, regardless of the specific
location of your property, and ends 12 hours
after a hurricane resulting in category 1
hurricane force winds or hurricane force
winds of a greater velocity in any coastal
county regardless of the specific location of
your property.
Mandatory for Suffolk, Nassau, Kings,
Queens and Richmond Counties.
2% Hurricane Deductible for a category
2 to 5 storm and $1,000 hurricane
deductible for a category 1 storm in the
following counties; kings, Queens, and
Richmond.
4% hurricane deductible for a category 2
to 5 storm and $1,000 hurricane
deductible for a category 1 storm for
Nassau County.
5% hurricane deductible for a category 2
to 5 storm and $1,000 hurricane
deductible for a category 1 storm for
Suffolk County.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
37
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Sentinel
5% & 2%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
A hurricane occurrence to which this
deductible applies begins 12 hours before
and ends 12 hours after the hurricane which
caused the loss:
a. Makes landfall anywhere in New York
State as determined by the National Weather
Service, or
b. Makes landfall outside of New York State,
but which is determined by the National
Weather Service to provide Category 2 or
higher force winds in the area within New
York State in which the losses occur.
Kings, Nassau, Queens, Richmond and
Suffolk.
5% - For policyholders risks that are
located less than 1 mile from the North
Shore of Long Island or less than 2 miles
from the South Shore of Long Island.
2% - For policyholders who reside
within the coastal territories.
Shelby Casualty
3% and 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable to windstorm
loss to covered property, that occurs within a
period of 12 hours before or 12 hours after
the storm which caused the loss makes
landfall anywhere in New York State as
declared to be a Category 2, 3, 4 or 5
hurricanes by the National Weather Service.
5% any property within 2,500’ of the
water and in certain zip codes in Kings,
Queens, Nassau or Suffolk Counties.
3% properties not subject to the 5%
requirement that are located in Bronx,
Kings, Queens, Nassau, Richmond or
Suffolk Counties.
Spinnaker
2%
A percentage deductible applies to hurricane
loss that occurs within a period of 12 hours
before or 12 hours after the storm which
caused the loss makes landfall anywhere in
New York State as a declared Category 1, 2,
3, 4 or 5 hurricanes.
New York, Bronx, Queens, Kings,
Richmond, Nassau, and Suffolk.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
38
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
State Farm
2% and 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is activated if a hurricane
produces a minimum wind speed of at least
74 mph (category 1)
At any National Weather Service (NWS)
measuring site in the county in which the
dwelling is located. The deductible is
applicable during the following time frame:
beginning 12 hours prior to the time
hurricane force wind speeds are measured at
any NWS measuring site in this state,
continuing for the time period during which
the hurricane conditions exist anywhere in
this state and ending 12 hours after the last
time the NWS declares that the hurricane has
been downgraded to a tropical storm.
Richmond, Queens, New York, Bronx,
Kings, Nassau and Suffolk Counties: A
minimum 5% hurricane deductible in
combination with a minimum $500
deductible for other peril is required.
Westchester: A minimum 2% hurricane
deductible is required except in certain
zip codes where a 5% deductible is
required.
Sterling Insurance
Company
5%, 3% and 2% for Category 2.
$1000 for Category 1.
The percentage deductible is activated for
category 2 hurricanes (a cyclonic windstorm
of tropical origin with winds of 96 mph or
greater as set out by the Saffir/Simpson
Hurricane Scale.
The dollar deductible is activated for
category 1 hurricanes (a cyclonic windstorm
of tropical origin with winds of 74 mph or
greater as set by the Saffir/Simpson hurricane
Scale.
The deductible applies in the event that the
hurricane is determined by the NWS to be a
category 1 hurricane or higher that results in
category 1 force winds occurring in any
coastal county regardless of the specific
location of your property.
The mandatory hurricane deductibles
will apply as follows: 5% in Suffolk, 3%
in Nassau and 2% in the five boroughs
for Category 2 hurricanes. $1000
deductible for Suffolk, Nassau and the
five boroughs for a category 1 hurricane.
The property has to be located one mile
or more from the ocean.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
39
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Stillwater Insurance
Company
2% and 5%
A percentage deductible applies to
windstorm loss that occurs within a period of
12 hours before or 12 hours after the storm
which caused the loss makes landfall
anywhere in New York State as a declared
Category 2, 3, 4 or 5 hurricanes.
New York, Bronx, Kings, Queens,
Richmond, Nassau, Suffolk and
Westchester.
2%
5% for locations on barrier islands,
within 2 miles of the south shore, and
within 1 mile of the north shore.
The Cincinnati Ins.
Company
1%, 3%, 5% of Coverage A limit.
Hurricane Deductible:
A percentage amount applies to a hurricane
loss that makes landfall anywhere in the state
of New York and is declared a Category 1 or
higher storm.
Declared means declared by the National
Weather Service.
Hurricane means a Category 1 or higher
hurricane which makes landfall:
• in any part of the state of New York as
declared by the National Weather Service; or
• outside of the state of New York but
hurricane force winds are present in the New
York county in which the loss occurs; or
• occurs as declared by the National Weather
Service, and which,
• begins 24 hours prior to determination by
the National Weather Service that
hurricane force winds with wind speeds
measuring category 1 or higher exist in any
part of the state of New York;
• continues for the timeframe during which
hurricane conditions exist anywhere in
the state of New York;
• ends 12 hours after category 1 or higher
hurricane
5%: Nassau and Suffolk:
North shore: within 1 ml of the ocean,
bay or sound;
South shore: within 5 mls. of the ocean,
bay or sound.
3%: Remainder of Nassau and Suffolk.
1%: Kings, Queens, Richmond only if no
windstorm protection is present (if
windstorm protection is present, the
deductible is not mandatory).
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
40
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Tower Insurance
Company of New York
5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible applies to windstorm loss that
occurs within a period 12 hours before or 12
hours after the storm makes landfall
anywhere in NYS as declared by the National
Weather Service to be a Category 1, 2, 3, 4
hurricane.
“Declared” means declared by the National
Weather Service.
Richmond, Queens, Brooklyn, Bronx,
Nassau and Suffolk County
Travelers
(NY Homesavers /High
Value Homeowners)
(NY Homesaver Pgm)
3% and 5% depending on distance
from shore
Category 1 or Category 2: – applies if
hurricane is determined by NWS to be a
Category 1 or higher hurricane that results in
Category 1 or higher force winds anywhere in
any coastal county regardless of the specific
location of insured property.
Bronx, Kings, New York, Queens,
Richmond, Nassau and Suffolk
3% deductible for hurricane on
dwellings greater than 1 mile to the
shore
5% deductible for hurricane on
dwellings less than or equal to 1 mile to
the shore
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
41
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Tri-State Consumer
This applies only for the
new HO program –
“New York HO-3
Program.”
2% FOR Category 1 (74-95 mph)
5% for Category 2+ (96 mph or
greater
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
2% of the Coverage A limit of
liability if the hurricane is
Category 1 force.
5% of the Coverage A limit of
liability if the hurricane is
Category 2-5 force.
The deductible applies to any windstorm
loss to covered property which occurs within
a period of twelve hours before, or twelve
hours after, the storm which caused the loss.
It applies only in the event that:
1. any one storm is declared to be a
hurricane by the National Hurricane
Center/Tropical Prediction Center; and
2. the declared hurricane (Category 1 or
greater) produces hurricane force sustained
winds of 74 mph or greater:
(a) over land in the state of New York, and
in the County in which the loss occurs; or
(b) the eye of the hurricane moves on shore
in the State of New York. [to losses which
occur as a result of either: a) a Category 1 or
higher hurricane making landfall in NYS, or
b) a hurricane making landfall outside of
NYS, but which is determined by the
National Weather Service to be a Category 1
or higher hurricane force winds in the area
within NYS in which the losses occur.
The hurricane deductible applies to any
windstorm loss to covered property which
occurs within a period of 12 hours before, or
12 hours after, the storm which caused the
loss. It applies in the event:
1. Any one storm is declared to be a
hurricane by the National Hurricane
Center/Tropical Prediction Center;
2. The declared hurricane (Category 1 or
greater) produces hurricane force sustained
winds of 74 mph or greater:
a. Over land in the State of New York, and in
the County in which the loss occurs; or
b. The eye of the hurricane moves on shore in
the State of New York; and
3. The windstorm percentage deductible
amount is greater than the all other perils
deductible.
5 NYC boroughs, Westchester, and Long
Island.
Bronx, Kings, New York, Queens,
Richmond, Nassau, Suffolk, and
Westchester
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
42
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Truck Insurance
Exchange
Farmers Smart Plan Home
Program
5% and 2%
2% and 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
Applies to a windstorm loss that occurs
beginning 12 hours before and ending 12
hours after the storm which caused the loss
makes landfall anywhere in New York State
as a declared Category 1, 2, 3, 4 or 5
hurricane.
The deductible applies to a windstorm loss
that occurs beginning 12 hours before and
ending 12 hours after the storm which caused
the loss makes landfall anywhere in New
York State as Category 1, 2, 3, 4, or 5
hurricanes as declared by the National
Weather Service.
Suffolk, Nassau, Queens, Kings,
Richmond, Bronx, New York,
Westchester
2% - Greater than 5 Miles to 10 Miles
from Coast or Major Body of Water
5% - Less than or equal to 5 Miles from
Coast or Major Body of Water
Suffolk, Nassau, Queens, Kings,
Richmond, Bronx, New York, and
Westchester counties:
Distance from Coast or Major Body of
Water Minimum Deductible:
Less than or equal to 5 Miles: 5%
Greater than 5 Miles to 10 Miles: 2%
Trumbull Ins. Co.
5% and 2%
The Hurricane Deductible applies to covered
losses caused by hurricane that occurs within
a period of 12 hours before or 12 hours after
the storm which caused the loss: 1) makes
landfall anywhere in New York State as a
Category 2, 3, 4 or 5 hurricanes as declared
by the National Weather Service; or 2)
creates hurricane force winds to category 2 or
higher, as determined by the National
Weather Service, anywhere in the county
within New York State, in which the covered
property is located
5% -
Suffolk: all locations
Nassau: all locations
Kings: all locations
2% -
Queens: all locations
Richmond: all locations
Bronx: all locations
New York: all locations
Westchester: all locations within 2 miles
of the shore
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
43
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Twin City Fire Ins. Co.
5% and 2%
The Hurricane Deductible applies to covered
losses caused by hurricane that occurs within
a period of 12 hours before or 12 hours after
the storm which caused the loss: 1) makes
landfall anywhere in New York State as a
Category 2, 3, 4 or 5 hurricanes as declared
by the National Weather Service; or 2)
creates hurricane force winds to category 2 or
higher, as determined by the National
Weather Service, anywhere in the county
within New York State, in which the covered
property is located
5% -
Suffolk: all locations
Nassau: all locations
Kings: all locations
2% -
Queens: all locations
Richmond: all locations
Bronx: all locations
New York: all locations
Westchester: all locations within 2 miles
of the shore
United Services
Automobile Association
USAA Casualty Insurance
Company
USAA General Indemnity
Company
2% - Coverage A - $100,000 or
higher
$2,000 – Coverage A $99,999 or
less
The deductible applies to windstorm loss that
occurs within a period of 12 hours before or
12 hours after the storm which caused the
loss makes landfall anywhere in New York
State as a declared Category 1, 2, 3, 4 or 5
hurricanes.
Category 1 hurricane is a storm that
originates in the tropics and results in either a
sustained wind speed of at least 74 miles per
hour or a storm surge of at least six feet
above normal.
Richmond, Queens, New York, Bronx,
Kings, Nassau, Suffolk
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
44
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Unitrin
Unitrin Auto & Home
Unitrin Preferred
Insurance Co.
3% and 5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
3% and 5%
Applies to windstorm loss that occurs in the
time period;
- Beginning 12 hours prior to the time hurricane force winds are measured at any NWS site in the state;
- Continuing frm the time period during
which the hurricane conditions exist
anywhere in the state;
Ending 12 hrs after the last time the National
Hurricane Center of the NWS declares that
the hurricane has been downgraded to a
tropical storm, as defined by the NWS.
1. Beginning at the time a category 1 or
higher hurricane determined and
declared by the National Weather
Service makes landfall in any part of the
state of New York
2. In which a hurricane makes landfall
outside of the state of New York but is
determined by the National Weather
Service to have Category 1 or higher
force winds in the territory within New
York State in which the losses occur.
5%:
- 1000’ of the shore in Richmond;
- 2500’ of the northern shore of LI; and
- 1 mile of the southern shore of LI.
3%:
- Nassau, Suffolk, Queens, Kings,
New York, Bronx, Richmond Counties
where the 5% deductible is not required;
and
within 1500’ of the coast in Westchester
County
5%:
- 1000’ of the shore in
Richmond;
- 2500’ of the northern shore
of LI; and
- 1 mile of the southern shore
of LI.
3%:
- Nassau, Suffolk, Queens,
Kings, New York, Bronx,
Richmond Counties where
the 5% deductible is not
required; and
Within 1500’ of the coast in
Westchester County
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
45
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Unitrin Safeguard
3%
A hurricane occurrence to which this
deductible applies begins 12 hours
before and ends 12 hours after the
hurricane which caused the losses
makes landfall anywhere in New York
State as determined by the
National Weather Service, or doesn’t
make landfall in New York State, but
provides hurricane force winds in any
area of New York State as determined by
the National Weather Service. The storm
must be
declared a hurricane by the National Weather
Service.
Counties of Nassau, Suffolk, Kings,
Bronx, New York, Richmond, and
Queens.
Westchester County: 2.0 miles of the
shore
US Coastal
2%
The deductible applies to windstorm loss that
occurs within a period of 12 hours before or
12 hours after the storm which caused the
loss makes landfall anywhere in New York
State as a declared Category 1, 2, 3, 4 or 5
hurricanes.
Category 1 hurricane is a storm that
originates in the tropics and results in either a
sustained wind speed of at least 74 miles per
hour or a storm surge of at least six feet
above normal.
Richmond, Queens, New York, Bronx,
Kings, Nassau, Suffolk
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
46
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Utica First
2%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 1 hurricane, as
determined by the National Weather Service,
makes landfall anywhere in NYS.
Queens, Staten Island Nassau, Suffolk
Bronx, Kings, and New York
Utica Mutual Insurance
Company
$5,000 if Coverage A is below
$500,000.
The remaining downstate Cat
deductibles will move to a
minimum deductible based on
Coverage A amounts.
In amounts of $5,000, $10,000,
$15,000 and $20,000.
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after a Category 2 hurricane, as
determined by the NWS, makes landfall
anywhere in NYS.
Richmond, Queens, New York, Bronx,
Kings, Suffolk, Nassau North and
Nassau South.
Utica National Insurance
Company of Texas
Flat dollar hurricane deductibles
($5000, $10,000, $15,000 and
$20,000) depending on the
Coverage A amounts.
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable when a
windstorm loss occurs 12 hours before or 12
hours after any storm which produces
sustained wind speeds of at least 96 miles per
hour and makes landfall anywhere in New
York State and is declared by the National
Weather Service to be a Category 2 or higher
hurricane.
Richmond, Queens, New York, Bronx,
Kings, Suffolk, Nassau North and
Nassau South
Less than $500,000 - $5000 deductible
$500,000-$749,000 -$10,000 deductible
$750,000-$999,000-$15,000 deductible
$1 million or more-$20,000 deductible
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
47
Company Name
% Deductible based on Dwelling
(A)
Trigger (Circumstances under which
deductible is applicable)
Territory
Worcester
5%
The deductible amount applies to
the dwelling’s insured value of the
dwelling.
The deductible is applicable to a windstorm
loss if, according to the National Weather
Service, a Category 1, 2, 3, 4, or 5 hurricane
makes landfall anywhere in New York State
within 12 hours before or 12 hours after
windstorm loss to covered property first
occurs.
Brooklyn, Queens, Nassau, Suffolk &
Richmond.
NEW YORK STATE HOMEOWNERS COVERAGE
APPROVED INDEPENDENT MANDATORY HURRICANE DEDUCTIBLES: REVISED AS OF 12/13/2019
48
