g*******t
发帖数: 1084 | 1 第一次买房子。贷款额是417K， 房价560K。Quote了几个保险公司， 每家给的
Dwelling Coverage 都不一样。从290K 到413K的都有。
这个Dwelling Coverage 应该是多少合适啊？ | s**y
发帖数: 151 | 2 一般by default，约是房子价值的1/2。如果房子本身不值那个价，你要保多了，估计
保险公司也不会给你保。 | d*******3
发帖数: 6550 | 3 Understanding What Disasters Are Likely Covered by Your
Homeowners Insurance
According to the Insurance Information Institute, there are certain hazards,
or perils, that are covered by most standard homeowners insurance policies.
While the coverage can vary from state to state or from one geographical
region to another, homeowners policies typically offer coverage for the
following:
Fire/smoke
Lightning strikes
Windstorms
Hail
Explosion
Vandalism
Theft
Damage caused by the weight of snow, sleet or ice
Falling objects
Aircraft damage
Motor vehicle damage
While these hazards are typically covered, you should always check your own
homeowners insurance policy to determine what it covers.
Not Every Type of Disaster is Covered
The average homeowners insurance policy does not cover floods, earthquakes,
sewer backups or damage that occurs from a lack of maintenance. Talk to your
insurance agent to find out what your options are to help protect your home
from these additional perils.
What Is Your Dwelling?
Although a lot of people think of their "dwelling" as just the portion of
their property that they live in, dwelling coverage can protect more than
that. The dwelling typically consists of the home you live in plus any
attached structures. What this means is that as long as it's attached to
your house, your garage may also be covered under the dwelling portion of
your policy. If any damage comes to it as a result of a covered hazard, the
insurance company may cover the costs to repair it or rebuild it. Likewise,
things you might not have thought were covered—like your deck or your front
and back porch—may also be considered a part of your dwelling, if attached
, and therefore may also be covered by the dwelling portion of your policy. |
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