Wind deductible buy-down coverage is written for a wide range of commercial property, but the exposure looks different depending on what the building is used for and how the portfolio is held. Below are the property classes where a high percentage wind deductible most often creates real balance-sheet risk — and where a buy-down most often earns its place. All coverage is general in nature, subject to appetite, and governed solely by the terms of the issued policy.
Property classes covered
Whether the exposure sits in one building or across a national portfolio, the core idea is the same: reduce the retained wind deductible to a level the owner can absorb. Explore the class closest to your property — habitational and apartments, hospitality and hotels, retail and mixed-use, healthcare and senior living, industrial and warehouse, or REITs and portfolios — or start a quote for your specific property.