Glossary

All other perils deductible

The basic amount you pay first on covered losses not subject to a separate wind, hail, hurricane or earthquake figure, listed on your declarations page.

Also called: AOP deductible, standard deductible, base deductible

The all other perils (AOP) deductible is your policy's standard deductible. It applies to covered losses that are not governed by a special deductible: a kitchen fire, a burglary, water from a burst pipe, a lightning strike. On most policies it is a flat dollar amount, with options that usually start around $500 or $1,000 and rise from there.

You will see it on the declarations page next to any special deductibles, for example "All other perils: $1,000; Wind/hail: 2%." The wording matters because the AOP figure is the fallback. If a storm does not meet the definition of your hurricane or wind/hail deductible trigger, the claim falls back to AOP, which can help you or hurt you depending on the amounts.

Disputes tend to arise where causes mix, such as wind-driven rain or a tree that falls in a non-storm event. Ask your agent which deductible applies to which cause before you need it.

Raising the AOP deductible is a common way to lower a premium, but how much it saves varies by insurer, so compare quotes at several levels. Our guide on raising your deductible lays out the trade, and the deductible entry explains the basics.

Last reviewed October 10, 2026

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Related terms

Deductible The amount of a covered property loss you pay yourself before the insurer pays the rest, shown on your declarations page as a dollar figure or a percentage. Wind/hail deductible A separate amount you pay first, flat or a percentage of the dwelling limit, on damage from wind or hail in place of the standard flat amount. Hurricane deductible A separate amount you pay first, usually a percentage of the dwelling limit, that applies to wind damage from a hurricane in place of your regular flat amount. Percentage deductible The share of your insured dwelling limit, rather than a fixed dollar figure, that you pay first on a loss, commonly 1% to 5% for wind, hail or hurricane damage. Declarations page The summary page at the front of a policy listing the insured, the property, policy dates, limits, deductibles, premium, mortgage lender and attached forms. Peril A specific cause of loss, such as fire, wind, theft or water, that a policy covers or excludes; it is the cause of the damage rather than the damage itself.

Related guides

How homeowners insurance deductibles work A deductible is the part of a covered loss you pay before the insurer does. How flat and percentage deductibles work, when each applies and how to size yours. Hurricane and named-storm deductibles explained How hurricane and named-storm deductibles work: what triggers them, how each state sets the window, why they apply once a year and how to lower yours. Ice dams and roof damage Ice dam leaks are usually covered for the house; contents, dam removal and blame for poor insulation stall claims. What the HO-3 says and how to prevent one. Should you raise your deductible to lower your premium? Raising your deductible pays when the saving is large for the added risk and you could cover the gap in cash. How to run the break-even and where to stop. Wind and hail deductibles explained A wind/hail deductible applies to every wind or hail loss, not just hurricanes. How it differs from a hurricane deductible, state rules and roof claims.

Related tools

Homeowners deductible break-even calculator Compare two all-perils deductibles: the yearly premium saved, the extra cost per claim, and the number of claim-free years before the higher one pays off. Hurricane and percentage deductible calculator Turn a hurricane, wind and hail, or earthquake percentage deductible into dollars and see what you and the insurer would each pay on a sample loss.