當購房者保險時要尋找什麼？
當購房者保險時要尋找什麼？
 There are a number of features I look for in home insurance coverage but my main objective is to have a balanced insurance program. Usually homeowners also own vehicles, have some form of health insurance, life insurance and even disability insurance. Home insurance should be consistent with other coverage you purchase. And it is not a bad idea to combine coverage with the same insurer whenever possible. Its better to deal with someone you already know if you trust them than a stranger simply trying to sell you something. I like to see all-risk* coverage on your home and your personal property . Most policies provide only limited coverage on personal property. I like insuring agreements that say, Any accidental direct damage is covered unless specifically excluded or limited. An insurance policy is easier to understand if you know what you are not covered for. Perils like flood, wind, earthquake and sinkholes may deserve special consideration in certain areas. Id also watch for limitations on certain property like jewelry and silver. I like to see guaranteed replacement cost coverage on the structure and replacement cost on personal property. Deductibles and liability limits should be consistent with those you purchase on your cars.
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