What Is an AOP Deductible? The One That Applies to Everything Else
All Other Perils is the flat deductible on a home policy, and it is the one that does not apply to the claim you are most likely to make in a storm state.
Sep 9, 202613 min read
24 articles
Articles tagged "home insurance" — page 2
Page 2 of 2 of our guides about home insurance: plain-English explainers, worked examples and tips for comparing insurance coverage.
Dwelling Insurance: What a DP Policy Is and Who Actually Needs One
Dwelling fire policies cover the building without the homeowners package around it. The three forms, what each leaves out, and why landlords and vacant homes end up here.
Sep 9, 202613 min read
How Much Is Homeowners Insurance on a $400,000 House?
The honest answer is that the purchase price is close to irrelevant. What decides the premium is the rebuild cost, the roof, the state and the deductible structure.
Sep 9, 202613 min read
Your Homeowners Insurance Deductible: The Number You Probably Have Wrong
Most policies now carry two or three deductibles, and the percentage one is the one nobody has read. How they work, what raising them actually saves, and where the line sits.
Sep 9, 202613 min read
Homeowners Insurance in Georgia: Two States in One Rating Map
A house in Savannah and a house in Marietta are priced by completely different risks. Coastal wind deductibles, north Georgia hail, and the lightning exposure nobody mentions.
Sep 9, 202613 min read
Homeowners Insurance in New Jersey: The Wind and Water Line
New Jersey premiums are moderate for the Northeast and the coverage gap is severe. Most of the state's flood exposure sits outside the mapped high-risk zones, where nobody is required to buy.
Sep 9, 202613 min read
Homeowners Insurance in Ohio: Cheap Premiums, Expensive Water
Ohio is one of the more affordable states to insure a house in. The claims that actually cost Ohio homeowners money are hail and sewer backup, and one of those is excluded by default.
Sep 9, 202613 min read
Dog Bite Insurance: Your Pet Policy Does Not Cover This
Dog bite liability sits under homeowners or renters insurance, not pet insurance. Breed exclusions, what limits to carry, and cover for excluded breeds.
Sep 8, 202611 min read
What Is Hazard Insurance on a Mortgage? And Is It the Same as Homeowners?
Hazard insurance is not a separate policy. It is the dwelling part of your homeowners insurance, and it is the part your lender actually cares about.
Sep 8, 202612 min read
Allstate Homeowners Quote: How to Get an Accurate Number
An Allstate homeowners quote takes minutes online, but the form guesses at your roof and skips discounts. How to get a number that survives underwriting.
Aug 5, 202613 min read
Insurance Rate Trends 2026: Why Premiums Are Rising
Premiums rose across auto, home and health. What's driving it, how to tell a market increase from a problem with your own file, and what actually works.
Jun 25, 202613 min read
Home Insurance: What It Actually Covers (and What It Doesn't)
A standard home policy is six coverages and a long exclusion list. What each covers, worked examples of where claims fall short, and the endorsements worth buying.
Feb 11, 202614 min read