e*******g
发帖数: 1407 | 1 不小心把厨房地板（塑料的)给烧了一大块,
目前还没敢告诉management company...
想试着自己找人搞定的.。。
不知道保险公司cover不.。。 | O*********h
发帖数: 4674 | 2 yes, you should claim it. | p******y
发帖数: 3523 | 3 去claim一下，保险公司不管的话，再想办法呗。 | N**s
发帖数: 1916 | 4 normally not. even if yes you better check deductible before filing a claim. | e*******g
发帖数: 1407 | | G*****u
发帖数: 1222 | 6 renter insurance只保在这个房子里你的个人财产以及你的个人责任（比如你的客人来
你家玩时摔了一跤，去法庭告你）
象这种对房子结构的损害是不会赔的。仔细看看policy应该就能找到相关条款了。
HO4: Renter's Policy
The HO4 policy is very different from the rest of the policy types because
there is NO coverage for the Dwelling, Other Structures, or Loss of Use.
This policy was designed for those who are renting and have no interest in
the existing structure, but want to make certain their belongings are
protected. The HO4 Policy comes with the amount of Personal Property,
Liability, and Medical Payments to Others that you specify.
Renter Policies are named peril policies. Your contents are protected from
the same 16 named perils that are covered in the HO2 policy. They are listed
again below for convenience.
1. Fire or Lightning
2. Windstorm or Hail
3. Explosion
4. Riot or Civil Commotion
5. Aircraft
6. Vehicles
7. Smoke
8. Vandalism or Malicious Mischief
9. Theft
10. Volcanic Eruption
11. Falling Objects
12. Weight of Ice, Snow, or Sleet
13. Accidental Discharge or Overflow of Water or Stream
14. Sudden & Accidental Tearing Apart, Cracking, Burning, or Bulging
15. Freezing
16. Sudden & Accidental Damage from Artificially Generated Electric Current |
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