什麼時候需要家庭保險？
什麼時候需要家庭保險？
 At a minimum, you might need to satisfy your mortgagee. Your mortgagee is most concerned about property because that is the basis for the loan. Next you should consider your own exposure for a law suit. Finally you should consider how it would cost you to replace your home and personal property if it is destroyed. If you have a $200,000 home and $100,000 of personal property, I would suggest that you consider those amounts as the homeowners policy limits and $300-500,000 as the liability limit. Lower limits can leave gaps which will make you very unhappy at the time of claim.
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