lender will require it if you have loan

The HOA insurance covers the structure and basic internal configuration (builder-grade floor- which will be cheap carpet, builder-grade cabinet, counter, bath...).

Your own insurance covers the upgrade (maple cabinet, granite counter...., better appliances, better floor-wood, laminate, top-grade carpet if any, tile...), plus personal properties in the condo, if any (refrig, washer/dryer...)

所有跟帖： 

• LZ的問題是既然有傘險，為什麽要花錢另保？ -SunshineInCA- ♀ (49 bytes) () 10/30/2012 postreply 10:12:35

• 每個被保的房子要先有足夠的保險，保險公司才給加傘險，LZ因該買的。 -秋問- ♀ (0 bytes) () 10/30/2012 postreply 10:21:30

• 可我的傘保，每個出租都要再加25。 -H&CMom- ♀ (0 bytes) () 10/30/2012 postreply 11:15:11

• 傘險是保有人訴你，比如滑倒。公寓險是保火災，等。有點混了，請高手答 -煎餅加油條- ♀ (0 bytes) () 10/30/2012 postreply 10:23:54

• 不是高手 -秋問- ♀ (155 bytes) () 10/30/2012 postreply 10:30:09

• 傘險is for liability only -beachlver- ♂ (67 bytes) () 10/30/2012 postreply 10:29:24

• 謝樓上各位，俺的明白了。 -H&CMom- ♀ (0 bytes) () 10/30/2012 postreply 10:36:53