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The All Other Peril, or AOP, deductible is usually a flat dollar amount. The AOP deductible applies to covered damages to your property such as lightning, fire, hail, vandalism, and theft to name a few. This deductible applies per occurrence.
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Deductibles: All Florida homeowners policies have two deductibles, the All Other Perils (AOP) deductible and the Hurricane deductible. AOP Deductible.
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Policies will list a standard homeowners insurance deductible, often termed the All Other Perils (AOP) deductible. The most common AOP
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The AOP deductible, or "all other perils" deductible, is the standard homeowners insurance deductible that you pay for a covered loss before your insurance carrier pays the remaining portion of your claim. For example, if you have a $5,000 insurance claim with a $500 deductible, you must first pay the $500.
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AOP Deductible. The amount of money, per claim, that you are responsible for covering. Deductibles only apply to approved claims. If you have a $1,000 deductible and a claim is approved for $20,000, Your insurance company will cover $19,000 of it.
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An All Other Perils (AOP) deductible is nearly always in place on a homeowner's insurance policy. It is a fixed number. For example, if a loss occurs, and you