The All Other Peril, or AOP, deductible is usually a flat dollar amount. Policies will list a standard homeowners insurance deductible, often termed the All Other Perils (AOP) deductible. ALL OTHER PERIL (AOP) DEDUCTIBLE Set amount that is applied to all covered losses other than hurricane losses. What Is an AOP Home Insurance Deductible? This is the amount you are responsible to pay out of pocket before your homeowners insurance takes effect and. A deductible is the amount that the insured has agreed to pay before the insurer is obliged to pay anything on a covered claim. If you've ever wondered what your homeowner insurance deductibles are, or why they vary so much from situation to.