有哪些需要注意的地方？哪些是必須買的，哪些是不必要的？
Coverage買多少？ 買Dwelling coverage 買Actual Value 還是replacement cost?
Liability一般多少就夠了？
deductible一般買多少？
我這個state farm的quote合理嗎？ 請大牛們指教！
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
