请教买出租房保险

有哪些需要注意的地方？哪些是必须买的，哪些是不必要的？

Coverage买多少？ 买Dwelling coverage 买Actual Value 还是replacement cost? 

Liability一般多少就够了？

deductible一般买多少？ 

我这个state farm的quote合理吗？ 请大牛们指教！

Rate IV: 100%
Quote description: 100% Replacement Cost
Quote results Limit Premium
Coverages
Dwelling (Coverage A) 161,000 739.00
Dwelling Extra Replacement Cost Excluded
Dwelling Extension 16,100
Personal Property (Coverage B) 8,050
Business Liability (Coverage L) each occurrence 500,000 7.00
Business Liability (Coverage L) annual aggregate 1,000,000
Premises Medical Payments (Coverage M) each person 5,000 4.00
Loss of Rents (Actual Loss Sustained)
Deductibles
Policy deductible 1% 1,610
Policy Options and Endorsements
Fire Department Service Charge Increased Limits 500 included
Total annual premium .................................................................................................................................... 750.00
Monthly premium .......................................................................................................................................... 62.50  

所有跟帖： 

• 自住房可以了 -老朽- ♂ (0 bytes) () 05/17/2024 postreply 17:53:23

• 16万够不够重建？其他都没问题。考虑加买一个伞险 -sneezy888- ♂ (0 bytes) () 05/18/2024 postreply 09:30:12