{"id":4002,"date":"2019-08-30T10:05:17","date_gmt":"2019-08-30T14:05:17","guid":{"rendered":"https:\/\/www.metrochinese.com\/?p=4002"},"modified":"2021-05-23T22:15:24","modified_gmt":"2021-05-24T02:15:24","slug":"%e5%a5%bd%e4%b8%8d%e5%ae%b9%e6%98%93%e5%9c%a8%e7%be%8e%e5%9b%bd%e5%ae%89%e5%ae%b6%ef%bc%8c%e8%bf%99%e4%ba%9b%e6%88%bf%e5%b1%8b%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%e4%bd%a0%e4%b8%80%e5%ae%9a%e5%be%97","status":"publish","type":"post","link":"https:\/\/www.metrochinese.com\/?p=4002","title":{"rendered":"\u597d\u4e0d\u5bb9\u6613\u5728\u7f8e\u56fd\u5b89\u5bb6\uff0c\u8fd9\u4e9b\u623f\u5c4b\u4fdd\u9669\u77e5\u8bc6\u4f60\u4e00\u5b9a\u5f97\u4e86\u89e3"},"content":{"rendered":"

\u4e13\u680f\u4f5c\u8005 | \u738b\u9884\u7acb<\/p>\n

\"\u738b\u9884\u7acb\"<\/p>\n

\u738b\u9884\u7acb\u662f\u7f8e\u56fd\u6700\u5927\u8d22\u4ea7\u4e0e\u610f\u5916\u4fdd\u9669\u516c\u53f8State Farm\u5728\u8d39\u57ce\u552f\u4e00\u7684\u534e\u8bed\u4ee3\u7406<\/strong>\uff0c\u5176\u4e13\u4e1a\u3001\u5468\u5230\u7684\u670d\u52a1\u6df1\u53d7\u5ba2\u6237\u597d\u8bc4\u3002\u738b\u9884\u7acb\u7684\u529e\u516c\u5ba4\u6301\u5bbe\u5dde\u3001\u65b0\u6cfd\u897f\u5dde\u3001\u7279\u62c9\u534e\u5dde\u6267\u7167\uff0c \u63d0\u4f9b\u8f66\u9669\u3001\u623f\u5c4b\u4fdd\u9669\u3001\u4eba\u5bff\u4fdd\u9669\u3001\u5546\u4e1a\u4fdd\u9669\u53caState Farm Bank\u90e8\u5206\u94f6\u884c\u4ea7\u54c1<\/strong>\u3002\u670d\u52a1\u8bed\u8a00\uff1a\u82f1\u6587\u3001\u666e\u901a\u8bdd\u3001\u5e7f\u4e1c\u8bdd\u3001\u798f\u5dde\u8bdd\u3002<\/em><\/p>\n

 <\/p>\n

\u300a\u9884\u7acb\u8c08\u4fdd\u9669\u300b\u7cfb\u5217\u662fState Farm\u4ee3\u7406\u738b\u9884\u7acb\u5728\u300a\u8d39\u57ce\u751f\u6d3b\u653b\u7565\u300b\u4e0a\u7684\u72ec\u5bb6\u4e13\u680f\uff0c\u5c31\u4fdd\u9669\u4e0a\u5927\u5bb6\u5173\u6ce8\u7684\u95ee\u9898\u4e3a\u5927\u5bb6\u7b54\u7591\u89e3\u60d1\uff0c\u4eca\u5929\u662f\u4e13\u680f\u7684\u7b2c\u516d\u671f\u3002<\/p>\n

\u524d\u51e0\u671f\u4e3b\u8981\u8bb2\u4e86\u4e8b\u6545\u7406\u8d54\u3001\u6c7d\u8f66\u4fdd\u9669\u4ef7\u683c\u3001\u4e3b\u8981\u6295\u4fdd\u9879\u76ee\u7b49\u95ee\u9898\uff0c\u4eca\u5929\u6765\u8bb2\u8bb2\u623f\u5c4b\u4fdd\u9669<\/span>\u4e2d\u7684homeowner insurance\uff08\u81ea\u4f4f\u623f\u4fdd\u9669<\/span>\uff09<\/span><\/strong>\u4e3b\u8981\u6295\u4fdd\u9879\u76ee\u3002<\/p>\n

 <\/p>\n

\u76f8\u8f83\u4e8e\u6c7d\u8f66\u7684\u4ef7\u503c\uff0c\u623f\u5b50\u7684\u4ef7\u503c\u5927\u5f97\u591a\uff0c\u6240\u4ee5\u8d2d\u4e70\u4e00\u4efd\u9002\u5408\u7684\u4fdd\u9669\u6765\u5bf9\u6297\u79cd\u79cd\u610f\u5916\u6216\u707e\u96be\u5bfc\u81f4\u7684\u623f\u5c4b\u6216\u623f\u4e3b\u4e2a\u4eba\u8d22\u4ea7\u635f\u5931\uff0c\u5bf9\u5c4b\u4e3b\u6765\u8bf4\u975e\u5e38\u4e4b\u5fc5\u8981\u3002\u4eca\u5929\u8fd9\u671f\u6211\u5c31\u5177\u4f53\u8bb2\u8bb2\u623f\u5c4b\u4fdd\u9669\u91cc\u51e0\u4e2a\u4e3b\u8981\u7684\u6295\u4fdd\u9879\u76ee\u3002<\/p>\n

 <\/p>\n

 <\/p>\n

1
\nDwelling Coverage-\u623f\u5c4b\u7ed3\u6784<\/p><\/blockquote>\n

 <\/p>\n

\u8fd9\u4e00\u9879\u5206\u4e24\u90e8\u5206\uff0c\u7b2c\u4e00\u90e8\u5206Dwelling<\/span> \u662f\u623f\u5c4b\u4fdd\u9669\u6700\u91cd\u8981\u7684\u4e00\u9879\uff0c\u4fdd\u7684\u662f\u623f\u5b50\u672c\u8eab\uff0c\u4ee5\u53ca\u4efb\u4f55\u548c\u623f\u5c4b\u76f8\u8fde\u63a5\u7684\u7ed3\u6784\uff0c\u5305\u62ec\u8f66\u5e93\u3001\u9633\u53f0\u7b49\uff0c\u5c4b\u4e3b\u4f1a\u9009\u62e9\u4e00\u4e2a\u6295\u4fdd\u989d\u5ea6\u3002<\/p>\n

\"Dwelling\"<\/p>\n

\u4f46\u662f\u4e0d\u662f\u53ea\u8981\u623f\u5c4b\u7ed3\u6784\u906d\u53d7\u4e86\u4fdd\u9669\u6295\u4fdd\u8303\u56f4\u5185\u7684\u635f\u5bb3\uff0c\u5728\u8fd9\u4e2a\u6295\u4fdd\u989d\u5ea6\u5185\u4fdd\u9669\u516c\u53f8\u5c31\u4f1a\u8d54\u4f60\u51cf\u53bbdeductible\u540e\u5c06\u623f\u5c4b\u4fee\u597d\u7684\u6240\u6709\u8d39\u7528\u5462\uff1f\u7b54\u6848\u662f\u4e0d\u4e00\u5b9a\u3002<\/p>\n

 <\/p>\n

\u5728\u8fd9\u91cc\u9700\u8981\u5148\u5f04\u6e05\u695a\u4e24\u4e2a\u6982\u5ff5<\/span>\uff1areplacement cost\uff08\u91cd\u5efa\u4ef7\uff09\u548cactual cash value\uff08\u5b9e\u9645\u73b0\u91d1\u4ef7\u503c\uff09\u3002<\/p>\n

\u91cd\u5efa\u4ef7<\/strong>\uff1a\u987e\u540d\u601d\u4e49\uff0c\u5c31\u662f\u623f\u5c4b\u906d\u53d7\u635f\u5bb3\u540e\uff0c\u6309\u540c\u6837\u7684\u6750\u6599\u6216\u5e02\u573a\u4e0a\u76f8\u4f3c\u7684\u6750\u6599\u5c06\u5176\u91cd\u65b0\u4fee\u597d\u7684\u4ef7\u683c\u3002<\/p>\n

\u5b9e\u9645\u73b0\u91d1\u4ef7\u503c\uff1a<\/strong>\u662f\u5c06\u91cd\u5efa\u4ef7\u51cf\u53bb\u4e86Depreciation\uff08\u6298\u65e7\uff09\u540e\uff0c\u623f\u5c4b\u88ab\u635f\u5bb3\u7684\u90e8\u5206\u7684\u73b0\u6709\u4ef7\u503c\u3002<\/p>\n

 <\/p>\n

\u261d\ufe0f\u4e3e\u4e2a\u4f8b\u5b50\uff1a<\/span><\/p>\n

\u4f60\u7684\u623f\u5b50\u5728\u4e00\u6b21\u51b0\u96f9\u4e2d\u88ab\u635f\u5bb3\uff0c \u5c06\u635f\u5bb3\u90e8\u5206\u91cd\u5efa\u9700\u8981$50,000<\/span>\uff0c\u5982\u679c\u4f60\u7684\u81ea\u4f4f\u623f\u4fdd\u4e8620\u4e07\uff0cdeductible\u662f $1,000\uff0c\u4f46\u4fdd\u7684\u662f\u5b9e\u9645\u73b0\u91d1\u4ef7\u503c\u3002\u6839\u636e\u4f60\u7684\u623f\u5b50\u88ab\u635f\u5bb3\u7ed3\u6784\u7684\u5e74\u4efd\u548c\u5177\u4f53\u60c5\u51b5\uff0c\u8ba1\u7b97\u51fa\u6298\u65e7\u662f$10,000\uff0c\u90a3\u4e48\u4fdd\u9669\u516c\u53f8\u6700\u7ec8\u8d54\u4f60\u7684\u94b1\u662f$50,000 – $10,000 – $1,000 = $39,000<\/span>\u3002<\/em><\/p>\n

\u540c\u6837\u7684\u60c5\u51b5\uff0c\u4f46\u5982\u679c\u4f60\u7684\u623f\u5c4b\u4fdd\u7684\u662f\u91cd\u5efa\u4ef7\uff0c\u4fdd\u9669\u7684\u7406\u8d54\u91d1\u989d\u5c31\u662f$50,000 – $1,000 = $49,000<\/span>\u3002<\/em><\/p>\n

 <\/p>\n

\u4fdd\u9669\u4ee3\u7406\u5728\u7ed9\u623f\u5c4b\u4fdd\u9669\u4f30\u4ef7\u65f6\uff0c\u90fd\u4f1a\u4f7f\u7528\u4e00\u4e2a\u4f30\u4ef7\u7684\u5de5\u5177\uff0c\u6839\u636e\u8fd9\u4e2a\u623f\u5b50\u7684\u9762\u79ef\u3001\u7ed3\u6784\u3001\u5efa\u7b51\u6750\u6599\u7b49\u4fe1\u606f\u6765\u4f30\u7b97\u91cd\u5efa\u4ef7\u3002\u5982\u679c\u6295\u4fdd\u7684\u989d\u5ea6\u4f4e\u4e8e\u8fd9\u4e2a\u4f30\u4ef7\u768480%\uff0c\u4e00\u822c\u4fdd\u9669\u516c\u53f8\u5c31\u4e0d\u4f1a\u7ed9\u8fd9\u623f\u5b50\u4fdd\u91cd\u5efa\u4ef7\u4e86\u3002<\/p>\n

\u5728\u8d2d\u4e70\u623f\u5c4b\u4fdd\u9669\u65f6\uff0c\u4e00\u5b9a\u8981\u5f04\u6e05\u695a\u81ea\u5df1\u623f\u5b50\u4fdd\u7684\u662f\u91cd\u5efa\u4ef7\u8fd8\u662f\u5b9e\u9645\u73b0\u91d1\u4ef7\u503c\u3002<\/span>\u4e00\u822c\u6765\u8bf4\uff0c\u6709\u8d37\u6b3e\u7684\u623f\u5b50\u94f6\u884c\u4f1a\u8981\u6c42\u5fc5\u987b\u4fdd\u91cd\u5efa\u4ef7\uff0c\u4e14\u6295\u4fdd\u7684\u989d\u5ea6\u4e0d\u80fd\u4f4e\u4e8e\u8d37\u6b3e\u91d1\u989d\u3002<\/p>\n

Dwelling Coverage \u91cc\u7684\u7b2c\u4e8c\u90e8\u5206\u53ebDwelling extension<\/span>\uff0c\u4fdd\u7684\u662f\u672a\u548c\u623f\u5c4b\u4e3b\u4f53\u76f8\u8fde\u63a5\u7684\u7ed3\u6784\uff0c\u5305\u62ec\u7bf1\u7b06\u3001\u6e38\u6cf3\u6c60\u3001\u548c\u623f\u5c4b\u5206\u5f00\u7684\u8f66\u5e93\u7b49\uff0c\u6709\u5b83\u5355\u72ec\u7684\u4e00\u4e2a\u6295\u4fdd\u989d\u5ea6\u3002<\/p>\n

 <\/p>\n

2
\nPersonal property \uff08\u4e2a\u4eba\u8d22\u4ea7\uff09<\/p><\/blockquote>\n

 <\/p>\n

Personal property\u8fd9\u4e00\u9879\u4fdd<\/span>\u7684\u662f\u5728\u81ea\u4f4f\u623f\u91cc\u5c4b\u4e3b\u7684\u4e2a\u4eba\u8d22\u4ea7\uff0c\u5305\u62ec\u5bb6\u5177\uff0c\u8863\u7269\uff0c\u7535\u5668\u7b49\uff0c\u5e76\u5ef6\u7533\u5230\u5c4b\u4e3b\u5728\u5916\u65c5\u6e38\u65f6\u5e26\u5728\u8eab\u8fb9\u7684\u4e2a\u4eba\u8d22\u4ea7\u3002<\/p>\n

\u5f88\u591a\u4fdd\u9669\u516c\u53f8\u5bf9\u4e2a\u4eba\u8d22\u4ea7\u4e5f\u4fddreplacement cost\uff0c\u4e5f\u5c31\u662f\u7ef4\u4fee<\/span>\u6216\u66f4\u6362\u53d7\u635f\u7269\u4ef6\u7684\u8d39\u7528\u3002<\/p>\n

 <\/p>\n

\u261d\ufe0f\u4e3e\u4e2a\u4f8b\u5b50\uff1a<\/span><\/em>
\n\u5047\u5982\u4f60\u7684\u4e00\u53f0\u65e7\u7535\u8111\u56e0\u67d0\u4e2a\u4fdd\u9669\u8303\u56f4\u5185\u7684\u539f\u56e0\u635f\u574f\uff0c\u65e0\u6cd5\u4fee\u590d\uff0c\u5373\u4f7f\u8fd9\u53f0\u7535\u8111\u7684\u73b0\u91d1\u4ef7\u503c\u53ea\u6709$200\uff0c\u4f46\u5982\u679c\u66f4\u6362\u6210\u4e00\u53f0\u65b0\u7684\u9700\u8981$1,000\uff0c \u4fdd\u9669\u5c31\u4f1a\u8d54\u507f$1,000\u3002\u5f53\u7136\uff0c\u8fd9\u8fd8\u6709\u4e2a\u524d\u63d0<\/span>\u662f\u4f60\u6574\u4e2a\u4e8b\u4ef6\u7684\u635f\u5931\u5df2\u7ecf\u8d85\u8fc7\u4e86\u4f60\u7684deductible\u3002<\/em><\/p>\n

\"Personal<\/p>\n

\u5173\u4e8e\u623f\u5c4b\u4fdd\u9669\u91cc\u4e2a\u4eba\u8d22\u4ea7\u90e8\u5206\u8fd8\u9700\u8981\u6ce8\u610f\u7684\u4e00\u70b9\u662f\uff0c\u5f88\u591a\u9ad8\u4ef7\u503c\u7684\u4e2a\u4eba\u8d22\u4ea7\uff0c\u6bd4\u5982\u6602\u8d35\u7684\u9996\u9970\u3001\u76ae\u8349\u3001\u91d1\u94f6\u5668\u3001\u73b0\u91d1\u7b49\uff0c\u662f\u6709\u4e13\u95e8\u7684\u5f88\u4f4e\u7684\u9650\u989d\u7684<\/span>\u3002\u6240\u4ee5\u5982\u679c\u4f60\u6709\u4e00\u4e2a\u4ef7\u503c\u4e0a\u4e07\u7f8e\u5143\u7684\u9996\u9970\uff0c\u4f60\u9700\u8981\u8d2d\u4e70\u4e00\u4e2a\u5355\u72ec\u7684\uff0c\u540d\u53ebpersonal article policy<\/span>\u7684\u4fdd\u9669\u6765\u4e13\u95e8\u4fdd\u5b83\u3002 \u5bb6\u91cc\u5982\u679c\u6709\u5927\u91cf\u73b0\u91d1\uff0c\u5931\u7a83\u6216\u8005\u56e0\u706b\u707e\u7b49\u539f\u56e0\u635f\u6bc1\uff0c\u623f\u5c4b\u4fdd\u9669\u80fd\u8d54\u4ed8\u7684\u975e\u5e38\u975e\u5e38\u6709\u9650\u3002<\/span><\/p>\n

 <\/p>\n

3
\nLoss of use-\u4f7f\u7528\u6743\u635f\u5bb3<\/p><\/blockquote>\n

 <\/p>\n

Loss of use\u4e5f\u662f\u81ea\u4f4f\u623f\u4fdd\u9669\u91cc\u5f88\u91cd\u8981\u7684\u4e00\u90e8\u5206\uff0c\u4f46\u5e38\u5e38\u88ab\u6295\u4fdd\u4eba\u5ffd\u89c6\u3002\u5f53\u6295\u4fdd\u4eba\u7684\u4f4f\u5b85\u56e0\u4fdd\u9669\u8d54\u4ed8\u8303\u56f4\u5185\u7684\u539f\u56e0\u5bfc\u81f4\u635f\u5bb3\uff0c\u6682\u65f6\u65e0\u6cd5\u5c45\u4f4f\uff0closs of use coverage\u5c31\u80fd\u4e3a\u6295\u4fdd\u4eba\u63d0\u4f9b\u5728\u4e34\u65f6\u4f4f\u6240\u5c45\u4f4f\u6240\u4ea7\u751f\u7684\u82b1\u8d39<\/span>\uff0c\u76f4\u5230\u6295\u4fdd\u4eba\u7684\u4f4f\u5b85\u4fee\u597d\u6062\u590d\u4f7f\u7528\uff0c\u6216\u5230\u8fbe\u4fdd\u9669\u91cc\u8fd9\u4e00\u9879\u7684\u4e0a\u9650\u4e3a\u6b62\u3002<\/p>\n

\"<\/p>\n

 <\/p>\n

4
\nPersonal Liability-\u4e2a\u4eba\u8d23\u4efb\u9669<\/p><\/blockquote>\n

 <\/p>\n

\u8d23\u4efb\u9669\u662f\u5728\u623f\u5c4b\u4fdd\u9669\u6295\u4fdd\u4eba\u9020\u6210\u4ed6\u4eba\u8d22\u4ea7\u6216\u4eba\u8eab\u4f24\u5bb3\u540e\u4fdd\u9669\u5bf9\u4ed6\u4eba\u7684\u8d54\u4ed8<\/span>\uff0c\u4e00\u822c\u6765\u8bf4\u6700\u4f4e\u7684\u6295\u4fdd\u91d1\u989d\u662f10\u4e07\u7f8e\u5143<\/span>\u4e00\u6b21\u3002<\/p>\n

 <\/p>\n

\u261d\ufe0f\u4e3e\u4e2a\u4f8b\u5b50\uff1a<\/span><\/em>
\n\u51ac\u5929\u4e0b\u96ea\u4e86\uff0c\u5c4b\u4e3b\u672a\u5bf9\u81ea\u5df1\u5e94\u8d1f\u8d23\u7684\u533a\u57df\u94f2\u96ea\uff0c\u800c\u5bfc\u81f4\u4e86\u4ed6\u4eba\u6454\u5012\u53d7\u4f24\uff0c\u88ab\u5bf9\u65b9\u544a\u4e0a\u6cd5\u5ead\uff0c\u6cd5\u5ead\u5224\u5b9a\u5c4b\u4e3b\u8d54\u507f\u5bf9\u65b9\u533b\u7597\u8d39\uff0c\u8bef\u5de5\u8d39\u4ee5\u53ca\u75db\u82e6\u3002<\/em><\/p>\n

\u5c4b\u4e3b\u7684\u623f\u5c4b\u4fdd\u9669\u8d23\u4efb\u9669\u5c31\u4f1a\u5bf9\u5bf9\u65b9\u8fdb\u884c\u8d54\u4ed8\uff0c\u540c\u65f6\u8d23\u4efb\u9669\u4e00\u822c\u4e5f\u5305\u62ec\u6295\u4fdd\u4eba\u6253\u5b98\u53f8\u7684\u5f8b\u5e08\u8d39\u548c\u8bc9\u8bbc\u8d39\u3002<\/em><\/p>\n

 <\/p>\n

\u8fd9\u4e00\u9879\u5efa\u8bae\u4fdd30\u4e07\u7f8e\u5143\u4ee5\u4e0a\uff0c<\/span>\u4ee5\u786e\u4fdd\u5bf9\u4ed6\u4eba\u9020\u6210\u91cd\u5927\u635f\u5931\u65f6\u6709\u8db3\u591f\u7684\u4fdd\u9669\u6765\u8d54\u4ed8\u3002<\/p>\n

 <\/p>\n

5
\nMedical Payments to Others
\n\u5bf9\u4ed6\u4eba\u7684\u533b\u7597\u8d39<\/p><\/blockquote>\n

 <\/p>\n

\u8fd9\u9879\u4fdd\u7684\u662f\u5728\u6295\u4fdd\u4eba\u7684\u5141\u8bb8\u4e0b\u6765\u5230\u6295\u4fdd\u4eba\u5bb6\u91cc\u7684\u5ba2\u4eba\u4e0d\u5c0f\u5fc3\u53d7\u4f24\uff0c\u6216\u56e0\u6295\u4fdd\u4eba\u7684\u884c\u4e3a\u800c\u53d7\u4f24\uff0c\u7531\u4fdd\u9669\u652f\u4ed8\u7684\u533b\u7597\u8d39\u3002\u8fd9\u4e00\u9879\u53ea\u9488\u5bf9<\/span>\u6295\u4fdd\u4eba\u6765\u8bbf\u7684\u5ba2\u4eba<\/span>\uff0c\u4e0d\u5305\u62ec\u6295\u4fdd\u4eba\u81ea\u5df1\u6216\u5176\u4ed6\u5c45\u4f4f\u5728\u8be5\u4f4f\u5b85\u91cc\u7684\u5176\u4ed6\u4eba\u5728\u5bb6\u91cc\u53d7\u4f24\u7684\u533b\u7597\u8d39\u3002<\/p>\n

 <\/p>\n

 <\/p>\n

\u4ee5\u4e0a\u5c31\u662f\u81ea\u4f4f\u623f\u4fdd\u9669\u91cc\u4e3b\u8981\u7684\u51e0\u4e2a\u6295\u4fdd\u5185\u5bb9\uff0c\u8fd8\u6709\u4e00\u4e9b\u5176\u4ed6\u7684\u9879\u76ee\uff0c\u6bd4\u5982\u6d88\u9632\u961f\u51fa\u52a8\u7684\u82b1\u8d39\u7b49\uff0c\u56e0\u6587\u7ae0\u7bc7\u5e45\u539f\u56e0\u5c31\u4e0d\u4e00\u4e00\u5217\u4e3e\u4e86\u3002\u5404\u4e2a\u4fdd\u9669\u516c\u53f8\u4e5f\u6709\u4e00\u4e9b\u53ef\u9009\u62e9\u7684\u9879\u76ee\u4f9b\u6295\u4fdd\u4eba\u6dfb\u52a0\u3002\u82e5\u5927\u5bb6\u5bf9\u81ea\u5df1\u7684\u623f\u5c4b\u4fdd\u9669\u8fd8\u6709\u5176\u4ed6\u7591\u95ee\uff0c\u6b22\u8fce\u81f4\u7535\u6216\u5149\u4e34\u6211\u5728\u8d39\u57ce\u5510\u4eba\u8857\u7684\u529e\u516c\u5ba4\u3002<\/p>\n

 <\/p>\n

State Farm\u4ee3\u7406 | \u738b\u9884\u7acb<\/p>\n

\"\u738b\u9884\u7acb\"<\/strong><\/p>\n

\u7535\u8bdd<\/strong><\/p>\n

215-515-3100<\/p>\n

\u5730\u5740<\/strong><\/p>\n

810 Arch St Suite A
\n\uff08Penndot \u9a7e\u7167\u4e2d\u5fc3\u659c\u5bf9\u9762\uff09<\/p>\n

\u957f\u6309\u4e0b\u65b9\u4e8c\u7ef4\u7801\uff0c\u6dfb\u52a0\u9884\u7acb\u5fae\u4fe1<\/strong><\/p>\n

\"\u9884\u7acb\u5fae\u4fe1\"<\/p>\n","protected":false},"excerpt":{"rendered":"

\u4e13\u680f\u4f5c\u8005 | \u738b\u9884\u7acb \u738b\u9884\u7acb\u662f\u7f8e\u56fd\u6700\u5927\u8d22\u4ea7\u4e0e\u610f\u5916\u4fdd\u9669\u516c\u53f8State Farm\u5728\u8d39\u57ce\u552f\u4e00\u7684\u534e\u8bed\u4ee3\u7406\uff0c\u5176\u4e13\u4e1a\u3001\u5468\u5230\u7684\u670d\u52a1\u6df1\u53d7\u5ba2\u6237\u597d\u8bc4\u3002\u738b\u9884\u7acb\u7684\u529e\u516c\u5ba4\u6301\u5bbe\u5dde\u3001\u65b0\u6cfd\u897f\u5dde\u3001\u7279\u62c9\u534e\u5dde\u6267\u7167\uff0c \u63d0\u4f9b\u8f66\u9669\u3001\u623f\u5c4b\u4fdd\u9669\u3001\u4eba\u5bff\u4fdd\u9669\u3001\u5546\u4e1a\u4fdd\u9669\u53caState Farm Bank\u90e8\u5206\u94f6\u884c\u4ea7\u54c1\u3002\u670d\u52a1\u8bed\u8a00\uff1a\u82f1\u6587\u3001\u666e\u901a\u8bdd\u3001\u5e7f\u4e1c\u8bdd\u3001\u798f\u5dde\u8bdd\u3002   \u300a\u9884\u7acb\u8c08\u4fdd\u9669\u300b\u7cfb\u5217\u662fState Farm\u4ee3\u7406\u738b\u9884\u7acb\u5728\u300a\u8d39\u57ce\u751f\u6d3b\u653b\u7565\u300b\u4e0a\u7684\u72ec\u5bb6\u4e13\u680f\uff0c\u5c31\u4fdd\u9669\u4e0a\u5927\u5bb6\u5173\u6ce8\u7684\u95ee\u9898\u4e3a\u5927\u5bb6\u7b54\u7591\u89e3\u60d1\uff0c\u4eca\u5929\u662f\u4e13\u680f\u7684\u7b2c\u516d\u671f\u3002 \u524d\u51e0\u671f\u4e3b\u8981\u8bb2\u4e86\u4e8b\u6545\u7406\u8d54\u3001\u6c7d\u8f66\u4fdd\u9669\u4ef7\u683c\u3001\u4e3b\u8981\u6295\u4fdd\u9879\u76ee\u7b49\u95ee\u9898\uff0c\u4eca\u5929\u6765\u8bb2\u8bb2\u623f\u5c4b\u4fdd\u9669\u4e2d\u7684homeowner insurance\uff08\u81ea\u4f4f\u623f\u4fdd\u9669\uff09\u4e3b\u8981\u6295\u4fdd\u9879\u76ee\u3002   \u76f8\u8f83\u4e8e\u6c7d\u8f66\u7684\u4ef7\u503c\uff0c\u623f\u5b50\u7684\u4ef7\u503c\u5927\u5f97\u591a\uff0c\u6240\u4ee5\u8d2d\u4e70\u4e00\u4efd\u9002\u5408\u7684\u4fdd\u9669\u6765\u5bf9\u6297\u79cd\u79cd\u610f\u5916\u6216\u707e\u96be\u5bfc\u81f4\u7684\u623f\u5c4b\u6216\u623f\u4e3b\u4e2a\u4eba\u8d22\u4ea7\u635f\u5931\uff0c\u5bf9\u5c4b\u4e3b\u6765\u8bf4\u975e\u5e38\u4e4b\u5fc5\u8981\u3002\u4eca\u5929\u8fd9\u671f\u6211\u5c31\u5177\u4f53\u8bb2\u8bb2\u623f\u5c4b\u4fdd\u9669\u91cc\u51e0\u4e2a\u4e3b\u8981\u7684\u6295\u4fdd\u9879\u76ee\u3002     1 Dwelling Coverage-\u623f\u5c4b\u7ed3\u6784   \u8fd9\u4e00\u9879\u5206\u4e24\u90e8\u5206\uff0c\u7b2c\u4e00\u90e8\u5206Dwelling \u662f\u623f\u5c4b\u4fdd\u9669\u6700\u91cd\u8981\u7684\u4e00\u9879\uff0c\u4fdd\u7684\u662f\u623f\u5b50\u672c\u8eab\uff0c\u4ee5\u53ca\u4efb\u4f55\u548c\u623f\u5c4b\u76f8\u8fde\u63a5\u7684\u7ed3\u6784\uff0c\u5305\u62ec\u8f66\u5e93\u3001\u9633\u53f0\u7b49\uff0c\u5c4b\u4e3b\u4f1a\u9009\u62e9\u4e00\u4e2a\u6295\u4fdd\u989d\u5ea6\u3002 \u4f46\u662f\u4e0d\u662f\u53ea\u8981\u623f\u5c4b\u7ed3\u6784\u906d\u53d7\u4e86\u4fdd\u9669\u6295\u4fdd\u8303\u56f4\u5185\u7684\u635f\u5bb3\uff0c\u5728\u8fd9\u4e2a\u6295\u4fdd\u989d\u5ea6\u5185\u4fdd\u9669\u516c\u53f8\u5c31\u4f1a\u8d54\u4f60\u51cf\u53bbdeductible\u540e\u5c06\u623f\u5c4b\u4fee\u597d\u7684\u6240\u6709\u8d39\u7528\u5462\uff1f\u7b54\u6848\u662f\u4e0d\u4e00\u5b9a\u3002   \u5728\u8fd9\u91cc\u9700\u8981\u5148\u5f04\u6e05\u695a\u4e24\u4e2a\u6982\u5ff5\uff1areplacement cost\uff08\u91cd\u5efa\u4ef7\uff09\u548cactual cash value\uff08\u5b9e\u9645\u73b0\u91d1\u4ef7\u503c\uff09\u3002 \u91cd\u5efa\u4ef7\uff1a\u987e\u540d\u601d\u4e49\uff0c\u5c31\u662f\u623f\u5c4b\u906d\u53d7\u635f\u5bb3\u540e\uff0c\u6309\u540c\u6837\u7684\u6750\u6599\u6216\u5e02\u573a\u4e0a\u76f8\u4f3c\u7684\u6750\u6599\u5c06\u5176\u91cd\u65b0\u4fee\u597d\u7684\u4ef7\u683c\u3002 \u5b9e\u9645\u73b0\u91d1\u4ef7\u503c\uff1a\u662f\u5c06\u91cd\u5efa\u4ef7\u51cf\u53bb\u4e86Depreciation\uff08\u6298\u65e7\uff09\u540e\uff0c\u623f\u5c4b\u88ab\u635f\u5bb3\u7684\u90e8\u5206\u7684\u73b0\u6709\u4ef7\u503c\u3002   \u261d\ufe0f\u4e3e\u4e2a\u4f8b\u5b50\uff1a \u4f60\u7684\u623f\u5b50\u5728\u4e00\u6b21\u51b0\u96f9\u4e2d\u88ab\u635f\u5bb3\uff0c \u5c06\u635f\u5bb3\u90e8\u5206\u91cd\u5efa\u9700\u8981$50,000\uff0c\u5982\u679c\u4f60\u7684\u81ea\u4f4f\u623f\u4fdd\u4e8620\u4e07\uff0cdeductible\u662f $1,000\uff0c\u4f46\u4fdd\u7684\u662f\u5b9e\u9645\u73b0\u91d1\u4ef7\u503c\u3002\u6839\u636e\u4f60\u7684\u623f\u5b50\u88ab\u635f\u5bb3\u7ed3\u6784\u7684\u5e74\u4efd\u548c\u5177\u4f53\u60c5\u51b5\uff0c\u8ba1\u7b97\u51fa\u6298\u65e7\u662f$10,000\uff0c\u90a3\u4e48\u4fdd\u9669\u516c\u53f8\u6700\u7ec8\u8d54\u4f60\u7684\u94b1\u662f$50,000 – $10,000 – $1,000 = $39,000\u3002 \u540c\u6837\u7684\u60c5\u51b5\uff0c\u4f46\u5982\u679c\u4f60\u7684\u623f\u5c4b\u4fdd\u7684\u662f\u91cd\u5efa\u4ef7\uff0c\u4fdd\u9669\u7684\u7406\u8d54\u91d1\u989d\u5c31\u662f$50,000 – $1,000 = $49,000\u3002   \u4fdd\u9669\u4ee3\u7406\u5728\u7ed9\u623f\u5c4b\u4fdd\u9669\u4f30\u4ef7\u65f6\uff0c\u90fd\u4f1a\u4f7f\u7528\u4e00\u4e2a\u4f30\u4ef7\u7684\u5de5\u5177\uff0c\u6839\u636e\u8fd9\u4e2a\u623f\u5b50\u7684\u9762\u79ef\u3001\u7ed3\u6784\u3001\u5efa\u7b51\u6750\u6599\u7b49\u4fe1\u606f\u6765\u4f30\u7b97\u91cd\u5efa\u4ef7\u3002\u5982\u679c\u6295\u4fdd\u7684\u989d\u5ea6\u4f4e\u4e8e\u8fd9\u4e2a\u4f30\u4ef7\u768480%\uff0c\u4e00\u822c\u4fdd\u9669\u516c\u53f8\u5c31\u4e0d\u4f1a\u7ed9\u8fd9\u623f\u5b50\u4fdd\u91cd\u5efa\u4ef7\u4e86\u3002 \u5728\u8d2d\u4e70\u623f\u5c4b\u4fdd\u9669\u65f6\uff0c\u4e00\u5b9a\u8981\u5f04\u6e05\u695a\u81ea\u5df1\u623f\u5b50\u4fdd\u7684\u662f\u91cd\u5efa\u4ef7\u8fd8\u662f\u5b9e\u9645\u73b0\u91d1\u4ef7\u503c\u3002\u4e00\u822c\u6765\u8bf4\uff0c\u6709\u8d37\u6b3e\u7684\u623f\u5b50\u94f6\u884c\u4f1a\u8981\u6c42\u5fc5\u987b\u4fdd\u91cd\u5efa\u4ef7\uff0c\u4e14\u6295\u4fdd\u7684\u989d\u5ea6\u4e0d\u80fd\u4f4e\u4e8e\u8d37\u6b3e\u91d1\u989d\u3002 Dwelling Coverage \u91cc\u7684\u7b2c\u4e8c\u90e8\u5206\u53ebDwelling extension\uff0c\u4fdd\u7684\u662f\u672a\u548c\u623f\u5c4b\u4e3b\u4f53\u76f8\u8fde\u63a5\u7684\u7ed3\u6784\uff0c\u5305\u62ec\u7bf1\u7b06\u3001\u6e38\u6cf3\u6c60\u3001\u548c\u623f\u5c4b\u5206\u5f00\u7684\u8f66\u5e93\u7b49\uff0c\u6709\u5b83\u5355\u72ec\u7684\u4e00\u4e2a\u6295\u4fdd\u989d\u5ea6\u3002   […]<\/p>\n","protected":false},"author":1,"featured_media":4399,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,69],"tags":[],"class_list":{"0":"post-4002","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category--columns","8":"category--real-estate"},"yoast_head":"\n\u597d\u4e0d\u5bb9\u6613\u5728\u7f8e\u56fd\u5b89\u5bb6\uff0c\u8fd9\u4e9b\u623f\u5c4b\u4fdd\u9669\u77e5\u8bc6\u4f60\u4e00\u5b9a\u5f97\u4e86\u89e3<\/title>\n<meta name=\"description\" content=\"\u597d\u4e0d\u5bb9\u6613\u5728\u7f8e\u56fd\u5b89\u5bb6\uff0c\u8fd9\u4e9b\u623f\u5c4b\u4fdd\u9669\u77e5\u8bc6\u4f60\u4e00\u5b9a\u5f97\u4e86\u89e3\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.metrochinese.com\/?p=4002\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u597d\u4e0d\u5bb9\u6613\u5728\u7f8e\u56fd\u5b89\u5bb6\uff0c\u8fd9\u4e9b\u623f\u5c4b\u4fdd\u9669\u77e5\u8bc6\u4f60\u4e00\u5b9a\u5f97\u4e86\u89e3\" \/>\n<meta property=\"og:description\" content=\"\u597d\u4e0d\u5bb9\u6613\u5728\u7f8e\u56fd\u5b89\u5bb6\uff0c\u8fd9\u4e9b\u623f\u5c4b\u4fdd\u9669\u77e5\u8bc6\u4f60\u4e00\u5b9a\u5f97\u4e86\u89e3\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.metrochinese.com\/?p=4002\" \/>\n<meta property=\"og:site_name\" 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