公寓pp王者电子官网基本知识
公寓pp王者电子官网范围 works in tandem with the condo association’s 掌握政策. Learn how they work together to help protect you and your stuff.
Your condo is more than a roof over your head: It's your home. 所以理解它是有帮助的 公寓业主pp王者电子官网 你的单位的基础和覆盖选项.
公寓需要pp王者电子官网吗??
Many mortgage lenders require proof of 公寓pp王者电子官网 coverage before they approve a purchase. 如果你想买共管公寓， 联系pp王者电子官网代理人 来启动这个过程.
共管公寓业主pp王者电子官网价格如何厘定?
你的公寓业主政策价格, 或溢价, 这取决于pp王者电子官网范围的大小, the deductible (the cost the policyholder must pay before insurance payments begin) and any applicable 折扣 和费用. Generally, less coverage and a high deductible mean lower premiums — and more coverage and a low deductible mean higher premiums. 一个知识渊博的 pp王者电子官网代理人 can help you choose the right balance for your home and family.
公寓整体保单与单位业主保单如何运作?
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What does a condo association master insurance policy cover?
Generally, a condo association insures the building and common areas under a single policy, 被称为 掌握政策. There can be a range of coverages under a 掌握政策 but it typically provides one of three kinds of coverage:
- 基本建筑(墙, roof, floors, 电梯), 但不包括单位物品(如电器), carpeting, cabinets, 墙饰), 在某些情况下不是内墙.
- 基本的建筑和单位物品, 但不是单位加法, 由您自费更改或改进.
- 基本的建筑和单位物品, including additions, alterations and improvements.
当总体政策到位时, you’ll be included as a policyholder on that policy and a portion of the condo fees you pay will help fund that policy’s premiums.
公寓pp王者电子官网范围
Since the 掌握政策 only covers certain areas of the condo, 你可以考虑单独购买 公寓pp王者电子官网 policy to 涵盖你所在单位的项目和变化 不包括在协会的整体政策. 这可能包括你的个人财产, personal liability and assessments made against all members of the association. You may also want to consider coverage for damage to your unit not compensated because of the 掌握政策 deductible.
Keep in mind that unitowner insurance responsibilities can vary widely. 例如, 有些协会可能没有总政策, which shifts the responsibility for insuring the structure to the unitowners. Review your building's insurance documents and bylaws with a qualified agent early in the purchasing process so that you can comply with all requirements and purchase adequate coverage for your home.
公寓pp王者电子官网的其他单位pp王者电子官网范围
A typical 公寓单位业主政策提供pp王者电子官网选择 对于其他几个常见的项目和情况:
- 个人财产: In many cases, condo unitowners are responsible for insuring their 财产 防止盗窃、损坏或丢失. 个人财产pp王者电子官网 为你的衣服投保, furniture, electronic equipment and other household items for their replacement value or their actual cash value (original price minus depreciation). Your property is usually covered whether it's in the unit or you have it with you when you are away from home.
- 不再使用: This coverage applies if you temporarily have to live elsewhere because your condo was made uninhabitable by a fire or other covered peril. The policy will reimburse you for the portion of hotel bills, meals, laundry and other living expenses that exceed what you would pay if you were living in your home.
- 个人责任pp王者电子官网: 责任pp王者电子官网 may protect you if others make a claim or bring suit against you for physical injuries, bodily injury or property damage for which you are responsible. It also provides protection if you or a family member cause damage to others' property. Some policies will pay for defense and court costs, in addition to settlement costs. Review your policy to determine how the coverage applies and the exclusions contained within the policy.
