個人以為,物業保險主要是Cover房子被全毀重建和租客在出租物業裏麵發生被傷害的賠償:
1. Your Dewelling
2. Personal Liability
3. Medicial Payment to Others
第一項有Deductible,為了節省Premium, 盡量選擇大一點的Deductible如$5,000,不知思路是否對?
另外我們選擇Personal Liability$30,000和Medical Payments to Others$5,000,是否夠?