All other perils refers to all of the types of damages covered by a standard property deductible. The following damages all fall under, “All other perils”, fire or lightning, explosion, riot or civil commotion, aircraft, vehicles, smoke, vandalism or malicious mischief, theft, falling objects, weight of ice, snow or sleet, accidental discharge or overflow of water or stream, sudden and accidental tearing apart, cracking, burning or bulging, freezing, sudden and accidental damage from artificially electrical current, and volcanic eruption.  Damages such as flooding or hurricane damage require their own specific policy and don’t use the standard property owner deductible that is used for all other perils. Policies with hurricane damage can range from having a deductible of 2%, 5% or 10% of the entire payout and is regarded as part of the coverage A dwelling insurance, a separate coverage from the home insurance and the other perils.