# Home Insurance Deductible Explainer | Legacy Builder Insurance Agency

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- Published: 2026-10-09T00:59:26-04:00
- Author: contact

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Home Insurance

# Home Insurance Deductible Explainer

See what you would pay out of pocket for a claim, and how your deductible choice
affects it.

[Get a Free Quote](https://legacybuildersamerica.com/quote/)   [Talk to an Agent](https://legacybuildersamerica.com/home-insurance-deductible-explainer/+13057496303)

## What is a deductible?

Your deductible is the part of a covered claim you pay before your insurance pays
the rest. Choosing a higher deductible usually lowers your premium, but you pay 
more when you have a claim.

Florida home policies usually have two deductibles:

 * **All other perils (AOP):** a flat dollar amount, such as $1,000 or $2,500, for
   claims like fire, theft or a burst pipe.
 * **Hurricane:** a percentage of your dwelling coverage, often 2%, 5% or 10%. On
   a $300,000 home, a 2% hurricane deductible is $6,000.

## Try it

Dwelling coverage ($)

Amount of damage ($)

What caused the damage?

All other perils deductible

Hurricane deductible

You would pay

**$0**

## Tips for choosing a deductible

 * Pick a deductible you could pay from savings tomorrow.
 * Know the dollar amount of your hurricane deductible, not just the percentage,
   and plan savings for it.
 * In Florida, the hurricane deductible generally applies once per calendar year,
   even if more than one hurricane hits.
 * Standard home policies do not cover flood. Flood insurance has its own deductible.
 * Ask your agent to compare premiums at two or three deductible levels.

For education only. This is not a quote, an offer of coverage or a recommendation.
Coverage, deductibles and rules vary by carrier and policy. Talk to a licensed agent
about your situation.

## Want to compare deductibles?

An agent can quote your home at different deductibles so you can see the price difference.

[Get a Free Quote](https://legacybuildersamerica.com/quote/)   [Call (305) 749-6303](https://legacybuildersamerica.com/home-insurance-deductible-explainer/+13057496303)

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