个人以为,物业保险主要是Cover房子被全毁重建和租客在出租物业里面发生被伤害的赔偿:
1. Your Dewelling
2. Personal Liability
3. Medicial Payment to Others
第一项有Deductible,为了节省Premium, 尽量选择大一点的Deductible如$5,000,不知思路是否对?
另外我们选择Personal Liability$30,000和Medical Payments to Others$5,000,是否够?