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Coverage A - Dwelling (주 거주건물)
지급사유 지급금액
Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements 일반적으로 집을 새로지을때의 비용
Coverage B - Other Structures (거주건물 이외의 부속 건축물)
Covers other structure around the property which are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement Dwelling금액의 10% ~ 20%
Coverage C - Personal Property (개인집안물품)
Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice Dwelling 금액의 40% ~ 60%
Coverage D - Loss of Use/Additional Living Expenses (수리기간 생활비용)
Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities. Dwelling금액의 10% ~ 20%
Additional Coverages (추가적인 보상내용)
Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form. 각 policy당 다양함
Coverage E - Personal Liability (상대방 피해보상)
Personal Liability Insurance (Coverage E) is the section of a standard home insurance policy that protects you or covered family members against lawsuits. This type of insurance coverage would protect you in the various examples of situations where a lawsuit is presented:

* Your dog bites a neighbor

* Your mailman falls on your porch steps because of a faulty railing

Standard home insurance policies will typically include a minimum of $100,000 for each liability claim occurrence. Some common exclusions of this policy include lawsuits involving the transmission of a communicable disease, mental/physical/sexual abuse, or anything involving the sale, manufacture or distribution of a controlled substance.

Some homeowners choose to take out an extension of this coverage if they feel they need to further protect themselves against liability lawsuits. One common reason for taking out an extension of liability coverage would be a homeowner who owns a swimming pool. Another type of liability coverage is Personal Injury Liability or an Umbrella Liability Policy which protects the insured against lawsuits involving libel, slander, defamation of character, false arrest, detention, imprisonment or malicious prosecution, invasion of privacy and wrongful eviction or wrongful entry. This policy can also cover liability protection for auto accidents with the minimum underlying auto limits. (Be sure to talk to your agent.)
일반적으로 $100,000 ~ $500,000
(TX 기준)
Coverage F - Medical Payment (방문객 병원비 지원)
Medical Payment Coverage, commonly referred to as MedPay, is the section of a standard home insurance policy that will cover medical costs in the event that someone is injured on your property and does not want to sue you. When someone is injured on your property and does not want to sue you for the damages, you can use MedPay to help cover medical costs. MedPay would cover injuries sustained on your property when a lawsuit is not present such as the following examples:

* A neighbor falls on your steps, hurts her back and does not want to sue

* A neighborhood child falls on your driveway , sprains his ankle and does not want to sue

* Your friend is bit by your dog and does not want to sue

Typical MedPay coverage will cover $1,000 per injured person. Some homeowners may choose to take out an extension of this coverage if they feel they need extra protection.
$1,000 ~ $10,000
(TX 기준)

참고사항