What is a Home Insurance AOP Deductible?

We get this question a lot, so we are glad it is an easy one to answer.  You normally have two deductibles on your homeowner’s insurance here in Florida. The All Other Perils (AOP) deductible and your Hurricane deductible.  If the damage is caused by named storm (tropical storms and hurricanes) then you must pay your Hurricane deductible for the insurance company pays for any damage.  All other damage would be in your All Other Perils (AOP) deductible.
 
Also, remember that the AOP and Hurricane deductibles can be either a fixed dollar amount or a percentage of your Coverage A which is what your home is insured for. If your deductible represented as a percentage, remember the deductible is not a percentage of the cost of damage but rather a percentage of what your home is insured for. So, if your home were insured for $200,000 and you had a 2% deductible then you are responsible for the first $4,000 of the cost to repair damages.
 
Let us know if you have a question or would like us to review your coverage by Clicking Here or call us at (954) 678-2658