贷款买新建房，必须买保险。下面是保险公司给列出的option。加上discount一年
premiu三百多刀。第一次买这个保险，不知道哪些是鸡肋或干脆没有必要，可以去掉的
。多谢了先
Property Protection：
Dwelling Coverage *
Other Structures Coverage
Personal Property Coverage (Replacement Cost)
Additional Living Expense and Loss of Rents
Personal Liability Protection
Personal Liability Coverage
Medical Payments to Others Coverage
Additional Charges and Credits
LOSS ASSESSMENT COVERAGE
PERSONAL INJURY
WATER BACKUP
