保險比價,哪個好?

房價大約$145,000.

Coverage Limits	Quote 1	Quote 2
A. Dwelling	$244,500.00	$150,000.00
B. Other Structure	$24,450.00
C. Personal Property	$0.00	$5,000.00
D. Fair Rental Value	$24,450.00	$15,000.00
E. Additional Living Exp		$15,000.00
L. Personal Liab, Each Occurrence	$300,000.00	$300,000.00
Property Damage		$300,000.00
M. Med Pmts, Each Person	$0.00	$1,000.00
RCD	X
RCC
ERC up to 150% A		$225,000.00
Deductible	$2,500.00	$1,000.00
Premium	$345.00	$361.00

用哪個? 請大佬點評.