--- title: "Grapevine Homeowners: Why Care About All Other Perils Deductible?" description: Have you looked at your Texas home insurance policy and wondered what is an All Other Perils Deductible? Insurance For Texans has you covered with this tip image: https://www.insurancefortexans.com/hubfs/Grapevine%20Home%20Insurance%20Tips.jpg --- ![IFTWebHeader-1-1](https://www.insurancefortexans.com/hs-fs/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png?width=1384&height=307&name=IFTWebHeader-1-1.png "IFTWebHeader-1-1") ## Insurance For Texans Blog All the Insurance Topics a Texan Could Want This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. # Grapevine Homeowners: Why Care About All Other Perils Deductible? Posted by [Ron Wadley](https://www.insurancefortexans.com/blog/author/ron-wadley) on Jul 31, 2020 4:56:51 PM ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) Find me on: [Facebook ](https://www.facebook.com/ron.wadley.3) [LinkedIn](https://www.linkedin.com/in/ronwadley/) [Twitter ](https://twitter.com/rdw0330) - [Tweet](https://twitter.com/share) One of the most popular subjects to homeowners discuss with Insurance For Texans is deductibles. For many, they are worried about their wind and hail deductible, and for good reason.  Living int the D/FW Metroplex, we see a lot of wind and hail storms meaning more frequent claims for damage to homes.  With three [deductibles](https://www.insurancefortexans.com/blog/burleson-home-insurance-deductibles) available on Texas home insurance policies, the All Other Perils deductible gives you the best control over the your policy.  ### **What Does All Other Perils Mean?** So, we mentioned three deductibles on Texas homeowners insurance policies.  The Wind and Hail deductible gets paid by homeowners quite often with the storm activity.  A second deductible is for [Hurricane and Named Storm](https://www.insurancefortexans.com/blog/how-does-a-hurricane-affect-texas-home-insurance). Those living on the Gulf Coast find this very familiar.  The third is often an overlooked deductible known as All Other Perils. All claims not covered by the first two would have this deductible applied.  Your [Grapevine home insurance](https://www.insurancefortexans.com/grapevine-home-insurance-0) policy is impacted by this deductible, which happens to be the most customizable.  This deductible can be set rather low at $500 or $1,000 (though it often reaches the percentage value of the dwelling amount like the other deductibles) for a couple of reasons. It's less frequent that this deductible would be paid as a result of a claim, so it carries less risk of [fraud and scrutiny](https://www.insurancefortexans.com/blog/is-it-legal-for-roofers-to-not-charge-me-a-deductible) that a hail claim would command.    ![Water Claims are the second most frequent home insurance claim](https://www.insurancefortexans.com/hs-fs/hubfs/Stock%20images/Render%20of%20a%20refrigerator%20on%203D%20isolated%20on%20white.jpeg?width=600&name=Render%20of%20a%20refrigerator%20on%203D%20isolated%20on%20white.jpeg) Water claims run second to wind and hail claims in Texas. If your ice maker supply line gives out or your hot water heater explodes, or if you dishwasher decides to wash your dishes and your floor, the damage-related expense to mediate could reach tens of thousands of dollars.  A lower deductible you decided on can mean you get this situation remedied for less out of your own pocket.  What's the catch? If you've been reading this blog for awhile now, you know nothing is usually straight forward - well, maybe except our advice. We aim to keep it real here.  The skinny on the subject, if you lower the All Other Perils deductible, expect your premium to increase. This puts the decision on you to determine the pros and cons of how much you want to pay [higher](https://www.insurancefortexans.com/blog/do-higher-deductibles-really-save-money-on-texas-home-insurance) or lower on your deductible come claim time.  We can help you make that decision. As a [local, independent insurance](https://www.insurancefortexans.com/blog/grapevine-independent-insurance-agent-0) agency, we help with those decisions all the time and can certainly help you. [![I Need The BEST Home Insurance](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2659071/601d6076-88f8-4e81-bb75-7f496f264f8a.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/2659071/601d6076-88f8-4e81-bb75-7f496f264f8a)   Topics: [deductible](https://www.insurancefortexans.com/blog/tag/deductible), [North Texas](https://www.insurancefortexans.com/blog/tag/north-texas), [Dallas/Fort Worth](https://www.insurancefortexans.com/blog/tag/dallas-fort-worth), [homeowners insurance](https://www.insurancefortexans.com/blog/tag/homeowners-insurance), [Home Insurance Tips](https://www.insurancefortexans.com/blog/tag/home-insurance-tips), [independent insurance agency](https://www.insurancefortexans.com/blog/tag/independent-insurance-agency), [Grapevine](https://www.insurancefortexans.com/blog/tag/grapevine), [Grapevine Home Insurance](https://www.insurancefortexans.com/blog/tag/grapevine-home-insurance) ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) About the Author ### Ron Wadley Ron is the principal agent at Insurance For Texans and has more than 20 years in the insurance business. This experience allows him to find creative solutions to your insurance problems. "Uncle Ron" started Insurance For Texans, an independent insurance agency located in Dallas-Fort Worth, in 2017 after seeing a need to provide many different kinds of solutions to the everyday problems that folks have. After having an agency that could only offer a single solution for insurance for a few years, he came to the conclusion that it was time to make a change for the betterment of all Texans. And Insurance For Texans was born out of a vision to put the customer first ahead of a big insurance company. [Connect with Ron on LinkedIn](https://www.linkedin.com/in/ronwadley/) #### Links #### Contact Us ** 469.789.0220 ** [info@insurancefortexans.com](mailto:yourname@company.com) ** 6777 Camp Bowie Blvd #329 Fort Worth, TX 76116 [**](https://www.insurancefortexans.com/blog/what-is-an-all-other-perils-deductible-0#) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Ron Wadley", "url" : "https://www.insurancefortexans.com/blog/author/ron-wadley" }, "dateModified" : "2021-10-30T00:17:37.364Z", "datePublished" : "2020-07-31T21:56:51.000Z", "headline" : "Grapevine Homeowners: Why Care About All Other Perils Deductible?", "image" : [ "https://www.insurancefortexans.com/hubfs/Grapevine%20Home%20Insurance%20Tips.jpg" ], "mainEntityOfPage" : { "@id" : "https://www.insurancefortexans.com/blog/what-is-an-all-other-perils-deductible-0", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.insurancefortexans.com/hubfs/InsuranceForTexans%20Logo%20skinny.webp" }, "name" : "Insurance For Texans Group, Inc" } } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "caption" : { "@type" : "MediaObject", "contentUrl" : "https://www.insurancefortexans.com/media-transcripts/11295598625/en.vtt", "inLanguage" : "en", "name" : "en Captions" }, "contentUrl" : "https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/What%20Is%20An%20All%20Other%20Perils%20Deductible.mp4", "dateModified" : "2025-09-08T14:38:44.888Z", "description" : "Have you looked at your Texas home insurance policy and wondered what an All Other Perils deductible is and why you care? 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