가격이나 커버리지가 적당한지 과한지 판단하기 어려워 도움 요청드립니다.
아래는 보험회사에서 받은 커버리지를 정리한 사항입니다.
Residence Rebuilding Cost가 무언을 기준으로 측정되었는지 모르지만, 집 가격보다 또는 시 책정가격보다 높게 잡혀있네요..
아래 기준으로 대략 2,900/년 입니다.
조언 부탁드리겠습니다.
감사합니다.
All-risk insurance policy
- For insured losses, we provide $1,452,000.00 of coverage for the following:
- Dwelling building
- Detached private structures
- Personal property (with no deduction for depreciation)
- Additional living expenses and fair rental value
- The insurance amount is calculated based on a residence rebuilding cost of $726,000.00
Rebuilding cost is based on the information you provided in the quote. - Guaranteed Replacement Cost for Dwelling Building
- Replacement Cost with No Obligation to Rebuild in Case of a Total Loss
- Extension of Coverage to Water Damage (above ground water) and Weight of Ice, Snow or Wet Snow
- Water Damage - Ground Water and Sewer Back-Up (excluding flood caused by the overflow of a body of water) (limit): $10,000.00
- Flood caused by the overflow of a body of water: insurance protection included at no extra cost.
- Liability: $2,000,000.00
- Base Deductible: $1,000.00
- Wind/Hail Deductible: $2,500.00
