{"id":4006,"date":"2019-11-01T10:15:33","date_gmt":"2019-11-01T14:15:33","guid":{"rendered":"https:\/\/www.metrochinese.com\/?p=4006"},"modified":"2021-05-23T22:24:42","modified_gmt":"2021-05-24T02:24:42","slug":"%e6%88%bf%e5%ae%a2%e6%88%bf%e4%b8%9c%e9%83%bd%e9%9c%80%e8%a6%81%ef%bc%81%e7%be%8e%e5%9b%bd%e7%a7%9f%e5%ae%a2%e4%bf%9d%e9%99%a9%e6%9c%89%e5%a4%9a%e5%bc%ba%e5%a4%a7%ef%bc%9f%e8%bf%99%e4%ba%9b%e5%a5%bd","status":"publish","type":"post","link":"https:\/\/www.metrochinese.com\/?p=4006","title":{"rendered":"\u623f\u5ba2\u623f\u4e1c\u90fd\u9700\u8981\uff01\u7f8e\u56fd\u79df\u5ba2\u4fdd\u9669\u6709\u591a\u5f3a\u5927\uff1f\u8fd9\u4e9b\u597d\u5904\u4f60\u53ef\u80fd\u8fd8\u4e0d\u77e5\u9053"},"content":{"rendered":"<p style=\"text-align: center;\">\u4e13\u680f\u4f5c\u8005 | \u738b\u9884\u7acb<\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-4394 aligncenter lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5.jpg\" alt=\"\u738b\u9884\u7acb\" width=\"1080\" height=\"720\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5.jpg 1080w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-300x200.jpg 300w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-1024x683.jpg 1024w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-768x512.jpg 768w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-696x464.jpg 696w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-1068x712.jpg 1068w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-630x420.jpg 630w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/720;\" \/><\/p>\n<p><em><strong>\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 <strong>\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>&nbsp;<\/p>\n<p>\u6211\u5728\u5de5\u4f5c\u5f53\u4e2d\uff0c\u7ed9\u79df\u623f\u4f4f\u7684\u5ba2\u6237\u63a8\u8350<strong>\u79df\u5ba2\u4fdd\u9669\uff08renter\u2019s insurance\uff09<\/strong>\u65f6\uff0c\u65f6\u5e38\u5f97\u5230\u201c\u8fd9\u4e2a\u6ca1\u7528\u201d\u7684\u56de\u590d\u3002\u6211\u5e38\u5e38\u8ddf\u5ba2\u4eba\u8bf4\uff0c\u4fdd\u9669\u4e0d\u50cf\u624b\u673a\uff0c\u4f60\u4f1a\u65f6\u65f6\u523b\u523b\u201c\u7528\u201d\u5230\u5b83\u3002\u76f8\u53cd\uff0c\u4fdd\u9669\u662f\u4f60\u8d2d\u4e70\u4ee5\u540e\u7edd\u4e0d\u60f3\u4f7f\u7528\u7684\u4e1c\u897f\uff0c\u56e0\u4e3a\u4e00\u65e6\u4f60\u8981\u7528\u5230\u4f60\u7684\u4fdd\u9669\u4e86\uff0c\u5c31\u8bf4\u660e\u6709\u4e0d\u597d\u7684\u4e8b\u60c5\u53d1\u751f\u4e86\u2026<\/p>\n<p>\u4fdd\u9669\u662f\u8d2d\u4e70\u540e\u53ef\u4ee5\u8ba9\u4f60\u7761\u89c9\u66f4\u5b89\u7a33\u7684\u4ea7\u54c1\uff0c\u56e0\u4e3a\u4f60\u77e5\u9053\u5728\u4e07\u4e00\u53d1\u751f\u4e8b\u6545\u6216\u5176\u4ed6\u6295\u4fdd\u8303\u56f4\u5185\u7684\u635f\u5931\u65f6\uff0c\u6709\u4fdd\u9669\u7ed9\u4f60\u515c\u7740\u3002\u6240\u4ee5\uff0c\u4e0d\u8981\u8ba4\u4e3a\u67d0\u4e2a\u4fdd\u9669\u201c\u6ca1\u7528\u201d\uff0c \u5982\u679c\u4f60\u5b58\u5728\u67d0\u4e2a\u635f\u5931\u7684\u98ce\u9669\uff0c\u5373\u4f7f\u8fd9\u4e2a\u635f\u5931\u53d1\u751f\u7684\u673a\u7387\u662f\u4e07\u5206\u4e4b\u4e00\uff0c\u4f46\u4e00\u65e6\u53d1\u751f\u5728\u4f60\u7684\u8eab\u4e0a\uff0c\u5c31\u53d8\u6210\u767e\u5206\u4e4b\u767e\u4e86\u3002<\/p>\n<p>\u4eca\u5929\u6211\u5c31\u6765\u8bb2\u8bb2\uff0c\u8fd9\u4e2a\u4fdd\u8d39\u4f4e\u5ec9\uff0c\u4f46\u5e38\u5e38\u88ab\u5ffd\u89c6\u7684\u79df\u5ba2\u4fdd\u9669\uff0c\u90fd\u4e3a\u79df\u5ba2\u4ee5\u53ca\u623f\u4e1c\uff0c\u63d0\u4f9b\u4e86\u4ec0\u4e48\u6837\u7684\u4fdd\u969c\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>01<br \/>\nPersonal Property (\u4e2a\u4eba\u8d22\u4ea7)<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p>\u79df\u5ba2\u4fdd\u9669\u4fdd\u62a4\u79df\u5ba2\u5728\u51fa\u79df\u5c4b\u91cc\u7684\u4e2a\u4eba\u8d22\u4ea7\uff0c<strong>\u5305\u62ec\u8863\u670d\u3001\u5bb6\u5177\u3001\u7535\u5668\u7b49<\/strong>\u3002\u5f88\u591a\u4eba\u8bf4\u6211\u5728\u51fa\u79df\u5c4b\u91cc\u7684\u4e2a\u4eba\u8d22\u4ea7\u4e0d\u503c\u94b1\uff0c\u5bb6\u5177\u8863\u7269\u90fd\u662f\u65e7\u7684\uff0c\u53ef\u5927\u90e8\u5206\u4fdd\u9669\u516c\u53f8\u7684\u79df\u623f\u4fdd\u9669\u5bf9\u79df\u5ba2\u7684\u4e2a\u4eba\u8d22\u4ea7\u90fd\u662f\u4fdd\u7684<strong>replacement cost\uff08\u66f4\u65b0\u4ef7\u503c\uff09<\/strong>, \u800c\u4e0d\u662factual cash value\uff08\u5b9e\u9645\u73b0\u91d1\u4ef7\u503c\uff09\u3002<\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-4404 aligncenter lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1.jpg\" alt=\"Personal Property\" width=\"1080\" height=\"720\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1.jpg 1080w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-300x200.jpg 300w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-1024x683.jpg 1024w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-768x512.jpg 768w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-696x464.jpg 696w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-1068x712.jpg 1068w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-630x420.jpg 630w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/720;\" \/><\/p>\n<p>\ud83d\ude4b\u6bd4\u5982\uff0c\u4f60\u7684\u4e00\u53f05\u5e74\u65b0\uff0c\u53ea\u503c100\u7f8e\u5143\u7684\u7535\u89c6\uff0c\u53ef\u8981\u6362\u6210\u4e00\u53f0\u7c7b\u4f3c\u7684\u65b0\u7684\u7535\u89c6\u5374\u8981$500\u7f8e\u5143\uff0c\u8fd9\u4e2a$500\u5c31\u662f\u5b83\u7684replacement cost(\u66f4\u4ef7\u65b0\u503c)\uff0c\u6240\u4ee5<span style=\"color: #ff0000;\">\u628a\u4f60\u7684\u4e2a\u4eba\u8d22\u4ea7\u90fd\u6309\u66f4\u6362\u4ef7\u503c\u6765\u8ba1\u7b97<\/span>\uff0c\u4f60\u7684\u4e2a\u4eba\u8d22\u4ea7\u6bd4\u4f60\u4ee5\u4e3a\u7684\u53ef\u80fd\u8981\u9ad8\u5f88\u591a\u3002\u4e2a\u4eba\u8d22\u4ea7\u7684\u7406\u8d54\u8981\u5148\u6263\u9664 deductible\u3002<\/p>\n<p>\u79df\u5ba2\u4fdd\u9669<strong>\u5bf9\u4e2a\u4eba\u8d22\u4ea7\u7684\u4fdd\u62a4\u5ef6\u7533\u5230\u79df\u5ba2\u5e26\u79bb\u51fa\u79df\u5c4b\u7684\u8d22\u4ea7<\/strong>\u3002\ud83d\ude4b\u6bd4\u5982\uff0c\u4f60\u5e26\u7740\u4e00\u4e2a\u5f88\u503c\u94b1\u7684\u5305\u51fa\u95e8\u65c5\u6e38\uff0c\u5c06\u5305\u9501\u5728\u8f66\u4e0a\u4eba\u79bb\u5f00\u4e86\u3002\u6709\u4eba\u7838\u4e86\u4f60\u7684\u8f66\u7a97\u5c06\u5305\u5077\u8d70\u4e86\u3002<span style=\"color: #ff0000;\">\u4f60\u7684\u8f66\u9669\u662f\u4e0d\u4f1a\u8d54\u4f60\u7684\u5305\u7684\u635f\u5931\u7684\uff0c\u4f46\u4f60\u7684\u79df\u623f\u4fdd\u9669\u4f1a<\/span>\u3002<\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>02<br \/>\nPersonal Liability (\u4e2a\u4eba\u8d23\u4efb\u9669)<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p>\u8fd9\u4e00\u9879\u623f\u4e1c\u4eec\u8981\u6ce8\u610f\u4e86\uff0c<strong>\u8fd9\u4e0d\u53ea\u662f\u4fdd\u62a4\u79df\u5ba2\uff0c\u4e5f\u662f\u5728\u4fdd\u62a4\u623f\u4e1c\u7684\u5229\u76ca<\/strong>\u3002\u5f88\u591a\u79df\u623f\u5c0f\u533a\u3001\u516c\u5bd3\u697c\u8981\u6c42\u81ea\u5df1\u7684\u79df\u5ba2\u5728\u5165\u4f4f\u524d\uff0c\u987b\u8d2d\u4e70\u7b26\u5408\u4ed6\u4eec\u8981\u6c42\u7684\u79df\u5ba2\u4fdd\u9669\u3002<\/p>\n<p>\u4ed6\u4eec\u5bf9\u79df\u5ba2\u4fdd\u9669\u91cc\u7684\u4e2a\u4eba\u8d22\u4ea7\u989d\u5ea6\u5f80\u5f80\u6ca1\u6709\u8981\u6c42\uff0c\u56e0\u4e3a\u8fd9\u4e0d\u6d89\u53ca\u5230\u4ed6\u4eec\u7684\u5229\u76ca\uff0c\u4f46\u4ed6\u4eec\u8981\u6c42\u79df\u5ba2\u7684\u4fdd\u9669\u987b\u7b26\u5408\u4ed6\u4eec\u89c4\u5b9a\u7684\u8d23\u4efb\u9669\u8981\u6c42\uff0c\u4e00\u822c\u8981\u6c42\u4e00\u6b21\u4e8b\u4ef610\u4e07\u7f8e\u5143\u621630\u4e07\u7f8e\u5143\u7684\u989d\u5ea6\u3002<\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-4405 aligncenter lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-1.jpg\" alt=\"\u79df\u5ba2\u4fdd\u9669\" width=\"1080\" height=\"721\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-1.jpg 1080w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-1-300x200.jpg 300w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-1-1024x684.jpg 1024w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-1-768x513.jpg 768w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-1-696x465.jpg 696w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-1-1068x713.jpg 1068w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-1-629x420.jpg 629w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/721;\" \/><\/p>\n<p>\u8fd9\u6837\u5982\u679c\u79df\u5ba2\u5bf9\u516c\u5bd3\u9020\u6210\u4e86\u635f\u574f\uff0c<span style=\"color: #ff0000;\">\u6bd4\u5982\uff0c\u79df\u5ba2\u5f15\u8d77\u53a8\u623f\u5931\u706b\uff0c\u623f\u4e1c\u53ef\u4ee5\u901a\u8fc7\u79df\u5ba2\u7684\u4fdd\u9669\u7406\u8d54<\/span>\uff0c\u800c\u4e0d\u662f\u623f\u4e1c\u81ea\u5df1\u7684\u4fdd\u9669\u3002<\/p>\n<ul>\n<li><strong>\u5bf9\u623f\u4e1c\u800c\u8a00\uff0c\u8d70\u79df\u5ba2\u4fdd\u9669\u7406\u8d54\u548c\u8d70\u81ea\u5df1\u7684\u4fdd\u9669\u7406\u8d54\u7684\u5dee\u522b\u5728\u54ea\u91cc\u5462\uff1f<\/strong><\/li>\n<\/ul>\n<p>\u4e00\u4e2a\u5f88\u5927\u7684\u5dee\u522b\u662f\uff0c\u8d70\u79df\u5ba2\u4fdd\u9669\uff0c\u623f\u4e1c\u65e0\u987b\u627f\u62c5deductible, \u8d70\u81ea\u5df1\u7684\u4fdd\u9669\uff0c\u5c31\u8981\u627f\u62c5deductible, \u5728\u623f\u5c4b\u4fdd\u9669\u4e0a\u8fd9\u4e2adeductible\u4e00\u822c\u6700\u5c11\u662f$1000\u6216\u66f4\u9ad8\u3002<\/p>\n<p>\u53e6\u4e00\u4e2a\u533a\u522b\u5c31\u662f\uff0c\u8d70\u79df\u5ba2\u7684\u4fdd\u9669\uff0c\u4e0d\u4f1a\u5f71\u54cd\u5230\u623f\u4e1c\u4fdd\u9669\u4e4b\u540e\u7684\u4ef7\u683c\u3002\u4f46\u623f\u4e1c\u8d70\u81ea\u5df1\u7684\u4fdd\u9669\u7406\u8d54\u4e86\uff0c\u79df\u5ba2\u53c8\u6ca1\u6709\u4fdd\u9669\u65e0\u6cd5subrogation, \u4e4b\u540e\u786e\u5b9e\u53ef\u80fd\u5f15\u8d77\u623f\u4e1c\u4fdd\u9669\u6da8\u4ef7\u3002<\/p>\n<p>&nbsp;<\/p>\n<blockquote><p>03<br \/>\nLoss of Use<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p><strong>\u5f53\u51fa\u79df\u5c4b\u56e0\u7406\u8d54\u8303\u56f4\u5185\u7684\u635f\u5931\u5bfc\u81f4\u65e0\u6cd5\u5c45\u4f4f\uff0cLoss of Use\u4f1a\u4e3a\u79df\u5ba2\u63d0\u4f9b\u7ef4\u6301\u4ed6\u4eec\u6b63\u5e38\u751f\u6d3b\u6c34\u5e73\u7684\u8d39\u7528\u3002<\/strong><\/p>\n<p>\u8fd9\u4e00\u9879\u4e5f\u662f\u5f88\u91cd\u8981\u7684\u4fdd\u969c\u3002\u6211\u5728\u642c\u5230\u8d39\u57ce\u524d\u4f4f\u5728\u4fc4\u4ea5\u4fc4\u4ee3\u987f\u5e02\uff0c\u6211\u5f53\u65f6\u79df\u4f4f\u7684\u5c0f\u533a\u5c31\u8981\u6c42\u79df\u5ba2\u5fc5\u987b\u8d2d\u4e70\u79df\u623f\u4fdd\u9669\u3002 \u524d\u51e0\u4e2a\u6708\uff0c\u4ee3\u987f\u5e02\u906d\u9047\u9f99\u5377\u98ce\uff0c\u5f88\u591a\u623f\u5c4b\u635f\u6bc1\u4e25\u91cd\u3002\u6211\u5f53\u65f6\u5c45\u4f4f\u7684\u79df\u623f\u5c0f\u533a\u4e5f\u662f\u91cd\u707e\u533a\uff0c\u51e0\u767e\u4e2a\u5355\u5143\u906d\u53d7\u4e86\u4e0d\u540c\u7a0b\u5ea6\u7684\u635f\u574f\u3002<\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-4406 aligncenter lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/11\/1-2.jpg\" alt=\"Loss of Use2\" width=\"836\" height=\"604\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 836px; --smush-placeholder-aspect-ratio: 836\/604;\" \/><\/p>\n<p>\u6211\u60f3\u90a3\u91cc\u7684\u79df\u5ba2\u5e94\u8be5\u4f1a\u611f\u6fc0\u5c0f\u533a\u89c4\u5b9a\u4ed6\u4eec\u8d2d\u4e70\u79df\u623f\u4fdd\u9669\uff0c<span style=\"color: #ff0000;\">\u56e0\u4e3a\u8fd9\u4e2a\u4fdd\u9669\u4e0d\u4ec5\u80fd\u8d54\u4ed8\u4ed6\u4eec\u7684\u4e2a\u4eba\u8d22\u4ea7\u5728\u8fd9\u6b21\u9f99\u5377\u98ce\u4e2d\u7684\u635f\u5931\uff0c\u5982\u679c\u4ed6\u4eec\u7684\u5355\u5143\u56e0\u7ef4\u4fee\u6682\u65f6\u65e0\u6cd5\u4f4f\u4eba<\/span>\uff0c\u8fd9\u9879Loss of Use\u8fd8\u4f1a\u4ed8\u94b1\u8ba9\u4ed6\u4eec\u4f4f\u8fdb\u9152\u5e97\u6216\u4e34\u65f6\u79df\u623f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>\u4ee5\u4e0a\u8fd9\u51e0\u9879\u662f\u6211\u8ba4\u4e3a\u79df\u5ba2\u4fdd\u9669\u91cc\u6700\u4e3b\u8981\u7684\u51e0\u9879\u5185\u5bb9\uff0c\u5176\u5b9e\u5b83\u8fd8\u63d0\u4f9b\u4e86\u66f4\u591a\u7684\u4fdd\u62a4\uff0c\u6bd4\u5982\u5bf9\u79df\u5ba2\u6765\u51fa\u79df\u5c4b\u7684\u8bbf\u5ba2\u7684\u533b\u7597\u8d39\uff08medical payment\uff09\u7b49\uff0c\u5728\u8fd9\u91cc\u5c31\u4e0d\u4e00\u4e00\u7ec6\u8bf4\u4e86\u3002<\/p>\n<p>\u603b\u7ed3\u4e00\u53e5\u5c31\u662f\uff0c\u4ef7\u683c\u4f4e\u5ec9\u7684\u79df\u5ba2\u4fdd\u9669\uff0c\u5bf9\u79df\u5ba2\u548c\u623f\u4e1c\u90fd\u662f\u5f88\u597d\u7684\u4fdd\u62a4\u3002<strong>\u82e5\u5bf9\u79df\u623f\u4fdd\u9669\u6216\u5176\u4ed6\u4fdd\u9669\u6709\u7591\u95ee\uff0c\u6b22\u8fce\u4e0e\u6211\u672c\u4eba\u6216\u529e\u516c\u5ba4\u8054\u7cfb\u3002<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\">State Farm\u4ee3\u7406 | \u738b\u9884\u7acb<\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-4394 aligncenter lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5.jpg\" alt=\"\u738b\u9884\u7acb\" width=\"1080\" height=\"720\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5.jpg 1080w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-300x200.jpg 300w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-1024x683.jpg 1024w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-768x512.jpg 768w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-696x464.jpg 696w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-1068x712.jpg 1068w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-5-630x420.jpg 630w\" data-sizes=\"(max-width: 1080px) 100vw, 1080px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1080px; --smush-placeholder-aspect-ratio: 1080\/720;\" \/><\/p>\n<p style=\"text-align: center;\"><strong>\u7535\u8bdd<\/strong><\/p>\n<p style=\"text-align: center;\">215-515-3100<\/p>\n<p style=\"text-align: center;\"><strong>\u5730\u5740<\/strong><\/p>\n<p style=\"text-align: center;\">810 Arch St Suite A<br \/>\n\uff08Penndot \u9a7e\u7167\u4e2d\u5fc3\u659c\u5bf9\u9762\uff09<\/p>\n<p style=\"text-align: center;\"><strong>\u957f\u6309\u4e0b\u65b9\u4e8c\u7ef4\u7801\uff0c\u6dfb\u52a0\u9884\u7acb\u5fae\u4fe1<\/strong><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-4395 aligncenter lazyload\" data-src=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-6.jpg\" alt=\"\u9884\u7acb\u5fae\u4fe1\" width=\"307\" height=\"308\" data-srcset=\"https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-6.jpg 307w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-6-300x300.jpg 300w, https:\/\/www.metrochinese.com\/wp-content\/uploads\/2019\/05\/1-6-150x150.jpg 150w\" data-sizes=\"(max-width: 307px) 100vw, 307px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 307px; --smush-placeholder-aspect-ratio: 307\/308;\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\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 &nbsp; \u6211\u5728\u5de5\u4f5c\u5f53\u4e2d\uff0c\u7ed9\u79df\u623f\u4f4f\u7684\u5ba2\u6237\u63a8\u8350\u79df\u5ba2\u4fdd\u9669\uff08renter\u2019s insurance\uff09\u65f6\uff0c\u65f6\u5e38\u5f97\u5230\u201c\u8fd9\u4e2a\u6ca1\u7528\u201d\u7684\u56de\u590d\u3002\u6211\u5e38\u5e38\u8ddf\u5ba2\u4eba\u8bf4\uff0c\u4fdd\u9669\u4e0d\u50cf\u624b\u673a\uff0c\u4f60\u4f1a\u65f6\u65f6\u523b\u523b\u201c\u7528\u201d\u5230\u5b83\u3002\u76f8\u53cd\uff0c\u4fdd\u9669\u662f\u4f60\u8d2d\u4e70\u4ee5\u540e\u7edd\u4e0d\u60f3\u4f7f\u7528\u7684\u4e1c\u897f\uff0c\u56e0\u4e3a\u4e00\u65e6\u4f60\u8981\u7528\u5230\u4f60\u7684\u4fdd\u9669\u4e86\uff0c\u5c31\u8bf4\u660e\u6709\u4e0d\u597d\u7684\u4e8b\u60c5\u53d1\u751f\u4e86\u2026 \u4fdd\u9669\u662f\u8d2d\u4e70\u540e\u53ef\u4ee5\u8ba9\u4f60\u7761\u89c9\u66f4\u5b89\u7a33\u7684\u4ea7\u54c1\uff0c\u56e0\u4e3a\u4f60\u77e5\u9053\u5728\u4e07\u4e00\u53d1\u751f\u4e8b\u6545\u6216\u5176\u4ed6\u6295\u4fdd\u8303\u56f4\u5185\u7684\u635f\u5931\u65f6\uff0c\u6709\u4fdd\u9669\u7ed9\u4f60\u515c\u7740\u3002\u6240\u4ee5\uff0c\u4e0d\u8981\u8ba4\u4e3a\u67d0\u4e2a\u4fdd\u9669\u201c\u6ca1\u7528\u201d\uff0c \u5982\u679c\u4f60\u5b58\u5728\u67d0\u4e2a\u635f\u5931\u7684\u98ce\u9669\uff0c\u5373\u4f7f\u8fd9\u4e2a\u635f\u5931\u53d1\u751f\u7684\u673a\u7387\u662f\u4e07\u5206\u4e4b\u4e00\uff0c\u4f46\u4e00\u65e6\u53d1\u751f\u5728\u4f60\u7684\u8eab\u4e0a\uff0c\u5c31\u53d8\u6210\u767e\u5206\u4e4b\u767e\u4e86\u3002 \u4eca\u5929\u6211\u5c31\u6765\u8bb2\u8bb2\uff0c\u8fd9\u4e2a\u4fdd\u8d39\u4f4e\u5ec9\uff0c\u4f46\u5e38\u5e38\u88ab\u5ffd\u89c6\u7684\u79df\u5ba2\u4fdd\u9669\uff0c\u90fd\u4e3a\u79df\u5ba2\u4ee5\u53ca\u623f\u4e1c\uff0c\u63d0\u4f9b\u4e86\u4ec0\u4e48\u6837\u7684\u4fdd\u969c\u3002 &nbsp; &nbsp; 01 Personal Property (\u4e2a\u4eba\u8d22\u4ea7) &nbsp; \u79df\u5ba2\u4fdd\u9669\u4fdd\u62a4\u79df\u5ba2\u5728\u51fa\u79df\u5c4b\u91cc\u7684\u4e2a\u4eba\u8d22\u4ea7\uff0c\u5305\u62ec\u8863\u670d\u3001\u5bb6\u5177\u3001\u7535\u5668\u7b49\u3002\u5f88\u591a\u4eba\u8bf4\u6211\u5728\u51fa\u79df\u5c4b\u91cc\u7684\u4e2a\u4eba\u8d22\u4ea7\u4e0d\u503c\u94b1\uff0c\u5bb6\u5177\u8863\u7269\u90fd\u662f\u65e7\u7684\uff0c\u53ef\u5927\u90e8\u5206\u4fdd\u9669\u516c\u53f8\u7684\u79df\u623f\u4fdd\u9669\u5bf9\u79df\u5ba2\u7684\u4e2a\u4eba\u8d22\u4ea7\u90fd\u662f\u4fdd\u7684replacement cost\uff08\u66f4\u65b0\u4ef7\u503c\uff09, \u800c\u4e0d\u662factual cash value\uff08\u5b9e\u9645\u73b0\u91d1\u4ef7\u503c\uff09\u3002 \ud83d\ude4b\u6bd4\u5982\uff0c\u4f60\u7684\u4e00\u53f05\u5e74\u65b0\uff0c\u53ea\u503c100\u7f8e\u5143\u7684\u7535\u89c6\uff0c\u53ef\u8981\u6362\u6210\u4e00\u53f0\u7c7b\u4f3c\u7684\u65b0\u7684\u7535\u89c6\u5374\u8981$500\u7f8e\u5143\uff0c\u8fd9\u4e2a$500\u5c31\u662f\u5b83\u7684replacement cost(\u66f4\u4ef7\u65b0\u503c)\uff0c\u6240\u4ee5\u628a\u4f60\u7684\u4e2a\u4eba\u8d22\u4ea7\u90fd\u6309\u66f4\u6362\u4ef7\u503c\u6765\u8ba1\u7b97\uff0c\u4f60\u7684\u4e2a\u4eba\u8d22\u4ea7\u6bd4\u4f60\u4ee5\u4e3a\u7684\u53ef\u80fd\u8981\u9ad8\u5f88\u591a\u3002\u4e2a\u4eba\u8d22\u4ea7\u7684\u7406\u8d54\u8981\u5148\u6263\u9664 deductible\u3002 \u79df\u5ba2\u4fdd\u9669\u5bf9\u4e2a\u4eba\u8d22\u4ea7\u7684\u4fdd\u62a4\u5ef6\u7533\u5230\u79df\u5ba2\u5e26\u79bb\u51fa\u79df\u5c4b\u7684\u8d22\u4ea7\u3002\ud83d\ude4b\u6bd4\u5982\uff0c\u4f60\u5e26\u7740\u4e00\u4e2a\u5f88\u503c\u94b1\u7684\u5305\u51fa\u95e8\u65c5\u6e38\uff0c\u5c06\u5305\u9501\u5728\u8f66\u4e0a\u4eba\u79bb\u5f00\u4e86\u3002\u6709\u4eba\u7838\u4e86\u4f60\u7684\u8f66\u7a97\u5c06\u5305\u5077\u8d70\u4e86\u3002\u4f60\u7684\u8f66\u9669\u662f\u4e0d\u4f1a\u8d54\u4f60\u7684\u5305\u7684\u635f\u5931\u7684\uff0c\u4f46\u4f60\u7684\u79df\u623f\u4fdd\u9669\u4f1a\u3002 &nbsp; 02 Personal Liability (\u4e2a\u4eba\u8d23\u4efb\u9669) &nbsp; \u8fd9\u4e00\u9879\u623f\u4e1c\u4eec\u8981\u6ce8\u610f\u4e86\uff0c\u8fd9\u4e0d\u53ea\u662f\u4fdd\u62a4\u79df\u5ba2\uff0c\u4e5f\u662f\u5728\u4fdd\u62a4\u623f\u4e1c\u7684\u5229\u76ca\u3002\u5f88\u591a\u79df\u623f\u5c0f\u533a\u3001\u516c\u5bd3\u697c\u8981\u6c42\u81ea\u5df1\u7684\u79df\u5ba2\u5728\u5165\u4f4f\u524d\uff0c\u987b\u8d2d\u4e70\u7b26\u5408\u4ed6\u4eec\u8981\u6c42\u7684\u79df\u5ba2\u4fdd\u9669\u3002 \u4ed6\u4eec\u5bf9\u79df\u5ba2\u4fdd\u9669\u91cc\u7684\u4e2a\u4eba\u8d22\u4ea7\u989d\u5ea6\u5f80\u5f80\u6ca1\u6709\u8981\u6c42\uff0c\u56e0\u4e3a\u8fd9\u4e0d\u6d89\u53ca\u5230\u4ed6\u4eec\u7684\u5229\u76ca\uff0c\u4f46\u4ed6\u4eec\u8981\u6c42\u79df\u5ba2\u7684\u4fdd\u9669\u987b\u7b26\u5408\u4ed6\u4eec\u89c4\u5b9a\u7684\u8d23\u4efb\u9669\u8981\u6c42\uff0c\u4e00\u822c\u8981\u6c42\u4e00\u6b21\u4e8b\u4ef610\u4e07\u7f8e\u5143\u621630\u4e07\u7f8e\u5143\u7684\u989d\u5ea6\u3002 \u8fd9\u6837\u5982\u679c\u79df\u5ba2\u5bf9\u516c\u5bd3\u9020\u6210\u4e86\u635f\u574f\uff0c\u6bd4\u5982\uff0c\u79df\u5ba2\u5f15\u8d77\u53a8\u623f\u5931\u706b\uff0c\u623f\u4e1c\u53ef\u4ee5\u901a\u8fc7\u79df\u5ba2\u7684\u4fdd\u9669\u7406\u8d54\uff0c\u800c\u4e0d\u662f\u623f\u4e1c\u81ea\u5df1\u7684\u4fdd\u9669\u3002 \u5bf9\u623f\u4e1c\u800c\u8a00\uff0c\u8d70\u79df\u5ba2\u4fdd\u9669\u7406\u8d54\u548c\u8d70\u81ea\u5df1\u7684\u4fdd\u9669\u7406\u8d54\u7684\u5dee\u522b\u5728\u54ea\u91cc\u5462\uff1f \u4e00\u4e2a\u5f88\u5927\u7684\u5dee\u522b\u662f\uff0c\u8d70\u79df\u5ba2\u4fdd\u9669\uff0c\u623f\u4e1c\u65e0\u987b\u627f\u62c5deductible, \u8d70\u81ea\u5df1\u7684\u4fdd\u9669\uff0c\u5c31\u8981\u627f\u62c5deductible, \u5728\u623f\u5c4b\u4fdd\u9669\u4e0a\u8fd9\u4e2adeductible\u4e00\u822c\u6700\u5c11\u662f$1000\u6216\u66f4\u9ad8\u3002 \u53e6\u4e00\u4e2a\u533a\u522b\u5c31\u662f\uff0c\u8d70\u79df\u5ba2\u7684\u4fdd\u9669\uff0c\u4e0d\u4f1a\u5f71\u54cd\u5230\u623f\u4e1c\u4fdd\u9669\u4e4b\u540e\u7684\u4ef7\u683c\u3002\u4f46\u623f\u4e1c\u8d70\u81ea\u5df1\u7684\u4fdd\u9669\u7406\u8d54\u4e86\uff0c\u79df\u5ba2\u53c8\u6ca1\u6709\u4fdd\u9669\u65e0\u6cd5subrogation, \u4e4b\u540e\u786e\u5b9e\u53ef\u80fd\u5f15\u8d77\u623f\u4e1c\u4fdd\u9669\u6da8\u4ef7\u3002 &nbsp; 03 Loss of Use &nbsp; \u5f53\u51fa\u79df\u5c4b\u56e0\u7406\u8d54\u8303\u56f4\u5185\u7684\u635f\u5931\u5bfc\u81f4\u65e0\u6cd5\u5c45\u4f4f\uff0cLoss of Use\u4f1a\u4e3a\u79df\u5ba2\u63d0\u4f9b\u7ef4\u6301\u4ed6\u4eec\u6b63\u5e38\u751f\u6d3b\u6c34\u5e73\u7684\u8d39\u7528\u3002 \u8fd9\u4e00\u9879\u4e5f\u662f\u5f88\u91cd\u8981\u7684\u4fdd\u969c\u3002\u6211\u5728\u642c\u5230\u8d39\u57ce\u524d\u4f4f\u5728\u4fc4\u4ea5\u4fc4\u4ee3\u987f\u5e02\uff0c\u6211\u5f53\u65f6\u79df\u4f4f\u7684\u5c0f\u533a\u5c31\u8981\u6c42\u79df\u5ba2\u5fc5\u987b\u8d2d\u4e70\u79df\u623f\u4fdd\u9669\u3002 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