{"id":9511,"date":"2022-01-26T22:10:18","date_gmt":"2022-01-26T22:10:18","guid":{"rendered":"https:\/\/www.flyhomes.com\/blog\/mandarin\/?p=9511"},"modified":"2022-03-03T19:49:09","modified_gmt":"2022-03-03T19:49:09","slug":"tips-for-home-insurance-buyers-2022","status":"publish","type":"post","link":"https:\/\/flyhomes.com\/blog\/mandarin\/tips-for-home-insurance-buyers-2022\/","title":{"rendered":"\u5728\u7f8e\u56fd\u4e70\u623f\u5c4b\u4fdd\u9669\uff08Home Insurance\uff09\uff0c\u6709\u4ec0\u4e48\u5e94\u8be5\u7279\u522b\u6ce8\u610f\uff1f"},"content":{"rendered":"\n<p>\u623f\u5c4b\u4fdd\u9669\u662f\u6bcf\u4e00\u4e2a\u4e70\u5bb6\u5728\u5b8c\u6210\u623f\u5b50\u8fc7\u6237\u524d\u7684\u5fc5\u987b\u652f\u51fa\u3002<\/p>\n\n\n\n<p>\u4eca\u5929Flyhomes\u5c31\u4e3a\u5927\u5bb6\u79d1\u666e\u4e00\u4e9b\u5728\u7f8e\u56fd\u8d2d\u4e70\u623f\u5c4b\u4fdd\u9669\u7684\u5c0f\u77e5\u8bc6\uff0c\u65b9\u4fbf\u5927\u5bb6\u505a\u4e2a\u53c2\u8003\uff5e\uff08\u5982\u679c\u8fd8\u60f3\u77e5\u9053\u66f4\u591a\u5728\u7f8e\u56fd\u4e70\u623f\u7684\u5c0f\u77e5\u8bc6\uff0c<a href=\"https:\/\/www.flyhomes.com\/blog\/mandarin\/category\/home-buying-knowledge\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u6b22\u8fce\u70b9\u51fb\u8fd9\u91cc\u3002<\/a>\uff09<\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Homeowner Insurance\u623f\u5c4b\u4fdd\u9669\u7684\u91cd\u8981\u6027<\/strong><\/h2>\n\n\n\n<p><strong>\u623f\u5c4b\u4fdd\u9669\uff08Home Insurance\uff09\u79cd\u7c7b\u5f88\u591a\uff0c\u5206\u4e3a\u4ee5\u4e0b\u51e0\u7c7b\uff1a<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"853\" height=\"1024\" src=\"https:\/\/www.flyhomes.com\/blog\/mandarin\/wp-content\/uploads\/sites\/3\/2022\/01\/image-56-853x1024.png\" alt=\"Tips For Home Insurance Buyers 2022\" class=\"wp-image-9512\" srcset=\"https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/01\/26215912\/image-56-853x1024.png 853w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/01\/26215912\/image-56-250x300.png 250w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/01\/26215912\/image-56-768x922.png 768w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/01\/26215912\/image-56-610x732.png 610w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/01\/26215912\/image-56-208x250.png 208w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2022\/01\/26215912\/image-56.png 900w\" sizes=\"auto, (max-width: 853px) 100vw, 853px\" \/><\/figure>\n\n\n\n<ul class=\"wp-block-list\"><li>HO-1\u57fa\u672c\u9669(Basic)\uff1a\u8fd9\u662f\u6700\u57fa\u672c\u7684\u623f\u5c4b\u9669\u79cd\uff0c\u57fa\u672c\u9669\u4e3b\u8981\u4fdd\u8d54\u706b\u707e\u5bf9\u623f\u5c4b\u9020\u6210\u7684\u635f\u5931\uff0c\u6240\u4ee5\u6709\u4eba\u4e5f\u7ba1\u5b83\u53eb\u706b\u9669(Fire Insurance)\u3002\u4e00\u822c\u8d37\u6b3e\u4e70\u5bb6\u90fd\u9700\u8981\u8d2d\u4e70\u8fd9\u4e2a\u3002<\/li><li>HO-2\u6269\u5145\u9669(Broad)\uff1a\u5728\u57fa\u672c\u9669\u7684\u57fa\u7840\u4e0a\u52a0\u4fdd\uff0c\u8fd9\u4e2a\u7ea7\u522b\u7684\u4fdd\u9669\u53ef\u4ee5\u4e00\u5b9a\u7a0b\u5ea6\u51cf\u8f7b\u56e0\u4e3a\u7535\u51fb\uff0c\u51b0\u96ea\u91cd\u538b\uff0c\u6c34\u7ba1\u51bb\u574f\uff0c\u5929\u7a7a\u843d\u4f53\uff0c\u70ed\u6c34\u5668\u6216\u7a7a\u8c03\u7cfb\u7edf\u65ad\u88c2\u6216\u70e7\u574f\uff0c\u5ba4\u5185\u6f0f\u6c34\u7b49\u9020\u6210\u7684\u623f\u5c4b\u635f\u574f\u3002<\/li><li>HO-3\u5168\u4fdd\u9669(All Risk)\uff1a\u9664\u4e86\u5305\u542bHO-1\u548cHO-2\u7684\u5168\u90e8\u5185\u5bb9\u4ee5\u5916\uff0c\u8fd8\u589e\u52a0\u4e86\u6218\u4e89\uff0c\u6c34\u707e\uff0c\u5730\u9707\u548c\u5730\u9677\u4e4b\u5916\u51e0\u4e4e\u6240\u6709\u623f\u5c4b\u53ef\u80fd\u906d\u53d7\u7684\u5371\u9669\u3002<\/li><\/ul>\n\n\n\n<p><strong>\u751a\u81f3\u8fd8\u4fdd\u8d54\u5ba2\u4eba\u5728\u623f\u5c4b\u5ba4\u5185\u6216\u5ba4\u5916\u53d1\u751f\u7684\u610f\u5916\uff0c\u8def\u4eba\u5728\u623f\u5c4b\u5ba4\u5916\u533a\u57df\u53d1\u751f\u7684\u610f\u5916\u3002\u82e5\u5bb6\u91cc\u7684\u72d7\u5728\u623f\u5c4b\u5ba4\u5185\u5916\u54ac\u4f24\u4eba\u540e\uff0c\u8fd8\u53ef\u4ee5\u8d54\u507f\u533b\u836f\u8d39\uff0c\u751a\u81f3\u5f8b\u5e08\u8d39\u3002<\/strong><strong>&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>HO-4\u623f\u5ba2\u9669(Renter\u2019s)\uff1a\u8fd9\u4e2a\u662f\u9488\u5bf9\u6709\u51fa\u79df\u623f\u7684\u623f\u4e3b\uff0c\u5982\u679c\u79df\u5ba2\u5728\u51fa\u79df\u5c4b\u6709\u4e2a\u4eba\u8d22\u4ea7\u7684\u635f\u5931\uff0c\u53ef\u4ee5\u7d22\u8d54\u3002&nbsp;<\/li><li>HO-5\u7efc\u5408\u9669(Comprehensive)\uff1a\u6bd4\u5168\u4fdd\u9669\u4fdd\u8d54\u7684\u8303\u7574\u66f4\u5e7f\uff0c\u627f\u4fdd\u8303\u56f4\u5305\u62ec\u4fdd\u9669\u6761\u4f8b\u4e2d\u63d0\u53ca\u7684\u60c5\u51b5\u4ee5\u5916\u7684\u3001\u6240\u6709\u98ce\u9669\u5bfc\u81f4\u7684\u623f\u5c4b\u635f\u574f\u4ee5\u53ca\u4e2a\u4eba\u8d22\u4ea7\u635f\u5931\u3002\u4f46\u76f8\u5bf9\u5e94\u5730\u4fdd\u8d39\u4e5f\u4f1a\u66f4\u8d35\u3002&nbsp;<\/li><li>HO-6\u516c\u5bd3\u9669(Condominium Coverage)\uff1a\u4fdd\u8d54\u516c\u5bd3\u623f\u4e3b\u7684\u5355\u5143\u548c\u5ba4\u5185\u4e2a\u4eba\u8d22\u4ea7\u3002\u5ba2\u4eba\u6216\u8def\u4eba\u5728\u5ba4\u5185\u6216\u6237\u5916\u7684\u610f\u5916\u4e8b\u6545\uff0c\u706b\u707e\uff0c\u76d7\u7a83\uff0c\u6216\u6f0f\u6c34\u5e26\u6765\u7684\u635f\u5931\u3002\u4f46\u5927\u5bb6\u5728\u4e70\u4e4b\u524d\u4e00\u5b9a\u8981\u4ed4\u7ec6\u9605\u8bfb\u516c\u5bd3\u7ae0\u7a0b\u518d\u505a\u51b3\u5b9a\u3002&nbsp;<\/li><li>HO-7\u6d3b\u52a8\u623f\u9669(Mobile Home)\uff1a\u53ea\u9002\u7528\u4e8e\u79fb\u52a8\u623f\u5c4b\u7684\u623f\u4e3b\u3002<\/li><li>HO-8\u8001\u623f\u9669(Older Home)\uff1a\u5f53\u8001\u65e7\u7684\u623f\u5b50\u5728\u5e02\u573a\u4e0a\u7684\u552e\u4ef7\u4f4e\u4e8e\u91cd\u5efa\u7684\u4ef7\u683c\uff0c\u8001\u623f\u9669\u53ef\u4ee5\u5141\u8bb8\u5c4b\u4e3b\u7528\u4f4e\u4e8e\u91cd\u5efa\u4ef7\u683c\u7684\u5e02\u573a\u4ef7\u6765\u4fdd\u9669\u3002<\/li><\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u8d2d\u4e70\u623f\u5c4b\u4fdd\u9669\u8fd8\u6709\u4ec0\u4e48\u8981\u989d\u5916\u6ce8\u610f\u7684\u5462\uff1f<\/strong><\/h2>\n\n\n\n<p>\u4e00\u822c\uff0c\u5927\u90e8\u5206\u7684\u4e70\u5bb6\u4f1a\u9009\u62e9\u6ee1\u8db3\u8d37\u6b3e\u516c\u53f8\u8981\u6c42\u7684\u6700\u4f4e\u4fdd\u989d\uff0c\u4e14\u4fdd\u8d39\u6700\u4f4e\u7684 &nbsp; Homeowner Insurance\u3002<strong>\u4f46\u65e0\u8bba\u8d2d\u4e70\u54ea\u79cd\u4fdd\u9669\uff0c\u81ea\u4ed8\u989d\u5ea6\uff08deductible\uff09\u4e0d\u5e94\u8be5\u8d85\u8fc7\u623f\u5c4b\u4e3b\u4f53\u7ed3\u6784\uff08Dwelling coverage\uff09\u8d54\u4ed8\u989d\u76845%\u3002&nbsp;<\/strong><\/p>\n\n\n\n<p><strong>\u5927\u591a\u6570\u4fdd\u9669\u4e0d\u5305\u542b\u6c34\u707e\u548c\u5730\u9707\u635f\u5931\uff0c\u5982\u679c\u4f60\u623f\u5b50\u6240\u5728\u7684\u533a\u57df\u662f\u5728\u707e\u5bb3\u9891\u53d1\u5730\u6bb5\uff0c\u5219\u5efa\u8bae\u52a0\u8d2d\u5347\u7ea7\uff0c<\/strong><strong>\u8003\u8651\u52a0\u4e70\u989d\u5916\u7684\u4fdd\u9669\u3002<\/strong><\/p>\n\n\n\n<p>\u5bf9\u4e8e\u9ebb\u5dde\u7684\u623f\u5c4b\u4fdd\u9669\uff0c<strong>\u5982\u679c\u4f60\u7684\u623f\u5b50\u4f4d\u4e8e\u6d2a\u6c34\u591a\u53d1\u5730\uff08Flood Zone\uff09\uff0c\u90a3\u5efa\u8bae\u7ed9\u623f\u5c4b\u5355\u72ec\u8d2d\u4e70\u6d2a\u6c34\u4fdd\u9669\uff08Flood Insurance\uff09\uff0c\u6216\u8005\u76f4\u63a5\u5347\u7ea7\u6210\u201c\u5168\u5305\u9669\u201d\uff0c\u4ee5\u9632\u5404\u79cd\u7a81\u53d1\u60c5\u51b5\u3002<\/strong><\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u8fd8\u6709\u4ee5\u4e0b\u8fd9\u4e9b\u51e0\u4e2a\u6781\u7aef\u5929\u6c14\u5e26\u6765\u7684\u95ee\u9898\uff0c\u867d\u7136\u548c\u623f\u5c4b\u4fdd\u9669\u6ca1\u6709\u76f4\u63a5\u5173\u7cfb\uff0c\u4f46\u548c\u623f\u5b50\u7684\u7ef4\u4fee\u6709\u5173\u7cfb\uff0c\u6bd4\u5982\u66b4\u98ce\u96ea\uff08Blizzard\uff09\u4f1a\u5f71\u54cd\u623f\u9876\u5bff\u547d\u3001\u4e5f\u4f1a\u5f71\u54cdsiding\uff1b\u5728\u6781\u7aef\u4f4e\u6e29\u60c5\u51b5\u4e0b\uff0c\u5982\u679c\u623f\u5b50\u5728\u6ca1\u6709\u5f00\u6696\u6c14\u800c\u5bfc\u81f4\u7684\u6c34\u7ba1\u7206\u88c2\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e9b\u7684\u7ef4\u4fee\u8d39\u7528\u90fd\u662f\u975e\u5e38\u6602\u8d35\u7684\uff0c\u800c\u4e14\u623f\u5c4b\u4fdd\u9669\u90fd\u4e0d\u5305\u542b\uff0c\u6240\u4ee5\u4e5f\u5efa\u8bae\u5927\u5bb6\u989d\u5916\u52a0\u8d2dHome Warranty\uff0c\u56e0\u4e3a\u8fd9\u4e2a\u53ef\u4ee5\u62a5\u9500\u90e8\u5206\u623f\u5c4b\u7ef4\u4fee\u7684\u8d39\u7528\uff0c\u51cf\u8f7b\u623f\u4e3b\u8d1f\u62c5\u3002<\/p>\n\n\n\n<p><strong>\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014<\/strong><\/p>\n\n\n\n<p>\u5bf9\u4e8e\u5728\u52a0\u5dde\u8d2d\u4e70\u623f\u5c4b\u4fdd\u9669\uff0c<strong>\u8003\u8651\u5230\u5730\u9707\u635f\u5bb3\u4e0d\u5c5e\u4e8e\u623f\u5c4b\u4fdd\u9669\u53d7\u7406\u8303\u56f4\uff0c\u5982\u679c\u4f60\u7684\u623f\u5b50\u5904\u4e8e\u5730\u9707\u591a\u53d1\u7684\u5730\u533a\uff0c\u5efa\u8bae\u52a0\u8d2dEarthquake Insurance\uff08\u5730\u9707\u9669\uff09\uff0c\u8fd9\u6837\u53ef\u4ee5\u6700\u5927\u9650\u5ea6\u53bb\u51cf\u4f4e\u5730\u9707\u5e26\u6765\u7684\u635f\u5931\u3002<\/strong><\/p>\n\n\n\n<p>\u503c\u5f97\u4e00\u63d0\u7684\u662f\uff0c\u5730\u9707\u4ec5\u5305\u62ec\u81ea\u7136\u707e\u5bb3\u5f15\u8d77\u7684\u623f\u5c4b\u635f\u574f\uff0c\u5982\u679c\u662f\u4eba\u4e3a\u56e0\u7d20\uff0c\u4f8b\u5982\u7164\u6c14\u7206\u70b8\u3001\u6c34\u529b\u538b\u88c2\u7b49\u9020\u6210\u7684\u623f\u5c4b\u635f\u5bb3\uff0c\u5730\u9707\u9669\u662f\u4e0d\u4fdd\u7684\u3002\u53e6\u5916\uff0c\u6d77\u5578\u6216\u8005\u706b\u5c71\u7206\u53d1\u5f15\u8d77\u7684\u5730\u9707\uff0c\u4e5f\u4e0d\u5728\u627f\u4fdd\u8303\u56f4\u5185\u3002<\/p>\n\n\n\n<p>\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u5bf9\u4e8e\u5e74\u4e45\u5931\u4fee\u9020\u6210\u7684\u623f\u5c4b\u635f\u574f\uff08\u4f8b\u5982\u623f\u9876\u6f0f\u6c34\uff09\uff0c \u4fdd\u9669\u516c\u53f8\u53ea\u4f1a\u7406\u8d54\u623f\u5b50\u5185\u88ab\u635f\u574f\u7684\u5bb6\u5177\u3001\u5730\u677f\u3001\u5730\u6bef\u7b49\u8d22\u52a1\u635f\u5931\uff0c\u5e76\u4e0d\u7406\u8d54\u623f\u9876\u672c\u8eab\u7684\u7ef4\u4fee\u8d39\u7528\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u5728\u4e70\u623f\u65f6\uff0c\u4e00\u65b9\u9762\uff0c\u6211\u4eec\u5efa\u8bae\u5927\u5bb6\u6ce8\u610f\u8003\u5bdf\u623f\u5c4b\u5c4b\u9876\u7684\u8d28\u91cf\u548c\u4f7f\u7528\u5bff\u547d\u3002\u53e6\u5916\uff0c\u4e5f\u53ef\u4ee5\u8003\u8651\u989d\u5916\u8d2d\u4e70\u4e00\u4efdhome warranty\uff0c\u589e\u52a0\u4e00\u4efd\u623f\u5c4b\u4fdd\u62a4\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<p><strong>\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014<\/strong><\/p>\n\n\n\n<p>\u5bf9\u4e8e\u5728\u534e\u76db\u987f\u8d2d\u4e70\u623f\u5c4b\u4fdd\u9669\uff0c<strong>\u5982\u679c\u4f60\u7684\u623f\u5b50\u4f4d\u4e8e\u6d2a\u6c34\u591a\u53d1\u5730\uff08Flood Zone\uff09\uff0c\u90a3\u5efa\u8bae\u7ed9\u623f\u5c4b\u5355\u72ec\u8d2d\u4e70\u6d2a\u6c34\u4fdd\u9669\uff08Flood Insurance\uff09\uff0c\u6216\u8005\u76f4\u63a5\u5347\u7ea7\u6210\u201c\u5168\u5305\u9669\u201d\uff0c\u4ee5\u9632\u5404\u79cd\u7a81\u53d1\u60c5\u51b5\u3002<\/strong><\/p>\n\n\n\n<p><strong>\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u5bf9\u4e8e\u5e74\u4e45\u5931\u4fee\u9020\u6210\u7684\u623f\u5c4b\u635f\u574f\uff08\u4f8b\u5982\u623f\u9876\u6f0f\u6c34\uff09\uff0c \u4fdd\u9669\u516c\u53f8\u53ea\u4f1a\u7406\u8d54\u623f\u5b50\u5185\u88ab\u635f\u574f\u7684\u5bb6\u5177\u3001\u5730\u677f\u3001\u5730\u6bef\u7b49\u8d22\u52a1\u635f\u5931\uff0c\u5e76\u4e0d\u7406\u8d54\u623f\u9876\u635f\u574f\u7684\u7ef4\u4fee\u8d39\u7528\u3002<\/strong><\/p>\n\n\n\n<p>\u6240\u4ee5\u5728\u4e70\u623f\u65f6\uff0c\u4e00\u65b9\u9762\uff0c\u6211\u4eec\u5efa\u8bae\u5927\u5bb6\u6ce8\u610f\u8003\u5bdf\u623f\u5c4b\u5c4b\u9876\u7684\u8d28\u91cf\u548c\u4f7f\u7528\u5bff\u547d\u3002\u53e6\u5916\uff0c\u4e5f\u53ef\u4ee5\u8003\u8651\u989d\u5916\u8d2d\u4e70\u4e00\u4efdhome warranty\uff0c\u589e\u52a0\u4e00\u4efd\u623f\u5c4b\u4fdd\u62a4\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u534e\u5dde\u6811\u6728\u8302\u5bc6\uff0c\u4e0d\u5c11\u623f\u5b50\u9662\u5b50\u91cc\u6709\u6811\u6728\u3002\u5982\u679c\u6811\u76f4\u5f84\u8f83\u5927\u3001\u4e14\u79bb\u623f\u5b50\u6bd4\u8f83\u8fd1\uff0c\u6709\u7838\u5230\u623f\u5b50\u7684\u53ef\u80fd\u6027\u3002<\/p>\n\n\n\n<p>\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u6211\u4eec\u4f1a\u5efa\u8bae\u5927\u5bb6\u628a\u623f\u5c4b\u4fdd\u9669\u7406\u8d54\u4e0a\u9650\u989d\u5ea6\u8c03\u9ad8\uff0c\u4ee5\u514d\u51fa\u73b0\u623f\u5b50\u88ab\u6811\u7838\u5230\u540e\uff0c\u4fdd\u989d\u4e0d\u591f\u4fee\u590d\u623f\u5b50\u7684\u8d39\u7528\u3002<\/p>\n\n\n\n<p><strong>\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014<\/strong><\/p>\n\n\n\n<p>\u5bf9\u4e8e\u5728\u5fb7\u5dde\u8d2d\u4e70\u623f\u5c4b\u4fdd\u9669\uff0c\u53ef\u80fd\u9762\u4e34\u7684\u81ea\u7136\u707e\u5bb3\u79cd\u7c7b\u4f1a\u66f4\u591a\uff0c\u8fd9\u4e9b\u9669\u79cd\u90fd\u662f\u623f\u4e3b\u4eec\u9700\u8981\u8003\u8651\u7684\uff1a<\/p>\n\n\n\n<p><strong>1. \u6d2a\u6c34\u9669\uff08Flood Insurance\uff09\uff1a\u5982\u679c\u4f60\u6240\u5728\u7684\u5730\u65b9\u5c5e\u4e8e\u5fb7\u5dde\u6d2a\u6c34\u7684\u591a\u53d1\u5730\uff0c\u90a3\u4e48\u8d2d\u4e70\u6d2a\u6c34\u9669\u5c31\u5f88\u6709\u5fc5\u8981\u4e86\u3002<\/strong><\/p>\n\n\n\n<p><strong>2. \u98d3\u98ce(Hurricane Insurance)\uff1a\u5fb7\u5dde\u7684\u58a8\u897f\u54e5\u6e7e\u6cbf\u5cb8\u4ee5\u53ca\u4e1c\u5357\u90e8\u7ecf\u5e38\u906d\u53d7\u98d3\u98ce\u88ad\u51fb\uff0c\u666e\u901a\u7684\u57fa\u7840\u623f\u5c4b\u9669\u53ef\u80fd\u65e0\u6cd5\u8986\u76d6\u8fd9\u4e2a\u8303\u7574\uff0c\u6240\u4ee5\u4f60\u4e5f\u53ef\u4ee5\u8003\u8651\u5355\u72ec\u8d2d\u4e70\u98d3\u98ce\u9669\u3002<\/strong><\/p>\n\n\n\n<p><strong>3. \u98ce\u707e\u51b0\u96f9\uff08Hail damage\uff09\uff1a\u9f99\u5377\u98ce\u5728\u5fb7\u5dde\u5317\u90e8\u548c\u4e1c\u90e8\u90fd\u5341\u5206\u666e\u904d\uff0c\u56e0\u6b64\uff0c\u5982\u679c\u4f60\u5bb6\u9644\u8fd1\u5e38\u6709\u5f3a\u98ce\u548c\u51b0\u96f9\uff0c\u53ef\u4ee5\u8003\u8651\u52a0\u8d2d\u8fd9\u79cd\u4fdd\u9669\uff0c\u4f46\u8fd9\u4e2a\u5177\u4f53\u60c5\u51b5\u8fd8\u662f\u8981\u6839\u636e\u4fdd\u9669\u516c\u53f8\u6761\u6b3e\u800c\u5b9a\u3002<\/strong><\/p>\n\n\n\n<p>\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u5bf9\u4e8e\u5e74\u4e45\u5931\u4fee\u9020\u6210\u7684\u623f\u5c4b\u635f\u574f\uff08\u4f8b\u5982\u623f\u9876\u6f0f\u6c34\uff09\uff0c \u4fdd\u9669\u516c\u53f8\u53ea\u4f1a\u7406\u8d54\u623f\u5b50\u5185\u88ab\u635f\u574f\u7684\u5bb6\u5177\u3001\u5730\u677f\u3001\u5730\u6bef\u7b49\u8d22\u52a1\u635f\u5931\uff0c\u5e76\u4e0d\u7406\u8d54\u623f\u9876\u635f\u574f\u7684\u7ef4\u4fee\u8d39\u7528\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u5728\u4e70\u623f\u65f6\uff0c\u4e00\u65b9\u9762\uff0c\u6211\u4eec\u5efa\u8bae\u5927\u5bb6\u6ce8\u610f\u8003\u5bdf\u623f\u5c4b\u5c4b\u9876\u7684\u8d28\u91cf\u548c\u4f7f\u7528\u5bff\u547d\u3002\u53e6\u5916\uff0c\u4e5f\u53ef\u4ee5\u8003\u8651\u989d\u5916\u8d2d\u4e70\u4e00\u4efdhome warranty\uff0c\u589e\u52a0\u4e00\u4efd\u623f\u5c4b\u4fdd\u62a4\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/kiZtmuyS7UnCQIJiRsi_bEx67RH_s35co4td6uKWbFH6z-ETe4TCb8AliYVXy6Nwof3PX-w1AaSTVy1Dw_Hqz2lnf9ISIDReddGOQmXpZ-j-UsFrPSnDyTnWGY7szzDu4AfOBjiX\" alt=\"Tips For Home Insurance Buyers 2022\" \/><\/figure>\n\n\n\n<p><strong>\u603b\u7684\u6765\u8bf4\uff0c\u5177\u4f53\u5230\u623f\u5c4b\u7684\u4fdd\u989d\u548c\u9669\u79cd\u7c7b\u578b\uff0c\u8fd8\u662f\u5efa\u8bae\u5927\u5bb6\u6839\u636e\u623f\u5b50\u7684\u672c\u8eab\u60c5\u51b5\u8fdb\u884c\u7efc\u5408\u8003\u8651\u9009\u62e9\u3002<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u6211\u5e94\u8be5\u600e\u4e48\u4e70Homeowner Insurance\u623f\u5c4b\u4fdd\u9669\u5462\uff1f<\/strong><\/h2>\n\n\n\n<p>\u9009\u62e9\u8d2d\u4e70\u5408\u9002\u7684\u623f\u5c4b\u4fdd\u9669\u7c7b\u4f3c\u4e8e\u7533\u8bf7\u623f\u8d37\uff0c\u53ef\u4ee5\u5411\u591a\u4e2a\u4fdd\u9669\u516c\u53f8\u8981quotes\u3002\u7136\u540e\u53ef\u4ee5\u76f4\u63a5\u53bb\u4fdd\u9669\u516c\u53f8\u7684\u7f51\u7ad9\u8d2d\u4e70\uff0c\u6216\u8005\u627e\u4e00\u4e2a\u4fdd\u9669\u7ecf\u7eaa\u4eba\u4ee3\u4e3a\u8d2d\u4e70\u3002<\/p>\n\n\n\n<p>\u5728\u64cd\u4f5c\u4e0a\uff0c\u5982\u679c\u9009\u62e9\u5728\u7f51\u7ad9\u76f4\u63a5\u8d2d\u4e70\uff0c\u8981\u627e\u5230\u503c\u5f97\u4fe1\u8d56\u7684\u4fdd\u9669\u516c\u53f8\uff1a\u5728\u7f8e\u56fd\u5e02\u573a\u4e0a\uff0c\u51e0\u5bb6\u5927\u7684\u4fdd\u9669\u516c\u53f8\u90fd\u53ef\u4ee5\u505aHomeowner Insurance\uff0c\u4f8b\u5982Allstate, State Farm, Geico, Progressive, Costco\u3002<\/p>\n\n\n\n<p>\u4e5f\u53ef\u4ee5\u627e\u6240\u5728\u5730\u7684\u72ec\u7acb\u4fdd\u9669\u7ecf\u7eaa\u4eba\u8d2d\u4e70\u623f\u5c4b\u4fdd\u9669\uff0c\u8ba9\u4ed6\u4eec\u6765\u8d1f\u8d23\u5e2e\u4f60\u8be2\u4ef7\u3002\u72ec\u7acb\u4fdd\u9669\u7ecf\u7eaa\u4eba\u4e0d\u6536\u670d\u52a1\u8d39\u3002\u597d\u5904\u662f\u7701\u5fc3\uff0c\u80fd\u7ed9\u4e88\u5f88\u591a\u6307\u5bfc\u548c\u8bb2\u89e3\uff0c\u9002\u5408\u7b2c\u4e00\u6b21\u8d2d\u4e70\u7684\u65b0\u624b\u3002<\/p>\n\n\n\n<p><strong>\u5982\u679c\u4f60\u5bf9\u4e8e\u4e70\u623f\u6216\u8005\u6362\u623f\uff0c\u8fd8\u6709\u60f3\u8981\u66f4\u591a\u4e86\u89e3\u7684\u95ee\u9898\uff0c\u4e5f\u6b22\u8fce\u548c\u6211\u4eec\u7684Flyhomes Agent\u7ea6\u4e00\u4e2a\u514d\u8d391\u5bf91\u54a8\u8be2\uff0c\u76f4\u63a5\u6c9f\u901a~<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/calendly.com\/flyhomes-team?utm_source=mandarinblog\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.flyhomes.com\/blog\/mandarin\/wp-content\/uploads\/sites\/3\/2023\/02\/Mandarin-Blog-CTA.jpg\" alt=\"\" class=\"wp-image-10373\" width=\"475\" height=\"109\" srcset=\"https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/02\/15195405\/Mandarin-Blog-CTA.jpg 950w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/02\/15195405\/Mandarin-Blog-CTA-300x69.jpg 300w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/02\/15195405\/Mandarin-Blog-CTA-768x176.jpg 768w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/02\/15195405\/Mandarin-Blog-CTA-610x140.jpg 610w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2023\/02\/15195405\/Mandarin-Blog-CTA-370x85.jpg 370w\" sizes=\"auto, (max-width: 475px) 100vw, 475px\" \/><\/a><\/figure><\/div>\n\n\n\n<p><strong>Flyhomes\u7684Youtube \u9891\u9053\u5b9a\u65f6\u66f4\u65b0\uff01\u6b22\u8fce\u53bbYoutube\u5173\u6ce8\u6211\u4eec\uff0c\u6709\u66f4\u591a\u7684\u7cbe\u5f69\u7684\u7f8e\u56fd\u623f\u4ea7\u5185\u5bb9\u7b49\u7740\u5927\u5bb6\uff01<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"\u4e70\u623f\u5e72\u8d27 ep2|\u7f8e\u56fd\u4e70\u623f\u5c0f\u767d\u7684\u5e38\u89c1\u8bef\u533a| \u7f8e\u56fd\u4e70\u623f|\u623f\u5730\u4ea7\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/8AdOh7Y_fnA?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><strong>NMLS #1733272 | CA DRE# 02012110 | \u00ae Flyhomes is a registered trademark of Flyhomes, Inc.<\/strong><\/p>\n<input type=\"hidden\" id=\"calendly_utm_post_id\" value=\"9511\" \/><input type=\"hidden\" id=\"calendly_utm_post_title\" value=\"\u5728\u7f8e\u56fd\u4e70\u623f\u5c4b\u4fdd\u9669\uff08Home Insurance\uff09\uff0c\u6709\u4ec0\u4e48\u5e94\u8be5\u7279\u522b\u6ce8\u610f\uff1f\" \/><style>.widget-neighbourhood{background-color:#F2F2F2; padding:32px; margin-top:20px;}.widget-neighbourhood h4{display:inline-block;width: 100%; font-size:26px; font-weight:600; margin-bottom:20px;}.widget-neighbourhood ul {list-style:none; padding:0px;}.widget-neighbourhood ul li{display:inline-flex; width:33%; height:23px;}.widget-neighbourhood a {color:#333; font-size:16px; font-weight:600; display:inline-block;text-overflow: ellipsis; overflow: hidden; white-space: nowrap;}}.widget-neighbourhood ul li svg{margin-left:10px;}@media only screen and (max-width: 780px) {.widget-neighbourhood ul li{width:50%;}}@media only screen and (max-width: 600px) {.widget-neighbourhood ul li{width:100%;}}<\/style><div class=\"widget-neighbourhood\"><h4>Explore top Boston neighborhoods<\/h4><ul><li><a target=\"_blank\" href=\"https:\/\/www.flyhomes.com\/neighborhood\/ma\/boston\/fenway---kenmore?&utm_source=flyhomes_blog&utm_content=9511\">Fenway - Kenmore<\/a> <svg class=\"MuiSvgIcon-root css-1pimix0\" focusable=\"false\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" style=\"font-size: 20px; color:#004D3D; vertical-align: middle; width:20px; margin-left:10px;\"><path d=\"M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z\"><\/path><\/svg><\/li><li><a target=\"_blank\" href=\"https:\/\/www.flyhomes.com\/neighborhood\/ma\/newton\/newton?&utm_source=flyhomes_blog&utm_content=9511\">Newton<\/a> <svg class=\"MuiSvgIcon-root css-1pimix0\" focusable=\"false\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" style=\"font-size: 20px; color:#004D3D; vertical-align: middle; width:20px; margin-left:10px;\"><path d=\"M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z\"><\/path><\/svg><\/li><li><a target=\"_blank\" href=\"https:\/\/www.flyhomes.com\/neighborhood\/ma\/boston\/central?&utm_source=flyhomes_blog&utm_content=9511\">Central<\/a> <svg class=\"MuiSvgIcon-root css-1pimix0\" focusable=\"false\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" style=\"font-size: 20px; color:#004D3D; vertical-align: middle; width:20px; margin-left:10px;\"><path d=\"M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z\"><\/path><\/svg><\/li><li><a target=\"_blank\" href=\"https:\/\/www.flyhomes.com\/neighborhood\/ma\/boston\/south-boston?&utm_source=flyhomes_blog&utm_content=9511\">South Boston<\/a> <svg class=\"MuiSvgIcon-root css-1pimix0\" focusable=\"false\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" style=\"font-size: 20px; color:#004D3D; vertical-align: middle; width:20px; margin-left:10px;\"><path d=\"M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z\"><\/path><\/svg><\/li><li><a target=\"_blank\" href=\"https:\/\/www.flyhomes.com\/neighborhood\/ma\/cambridge\/cambridge?&utm_source=flyhomes_blog&utm_content=9511\">Cambridge<\/a> <svg class=\"MuiSvgIcon-root css-1pimix0\" focusable=\"false\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" style=\"font-size: 20px; color:#004D3D; vertical-align: middle; width:20px; margin-left:10px;\"><path d=\"M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z\"><\/path><\/svg><\/li><li><a target=\"_blank\" href=\"https:\/\/www.flyhomes.com\/neighborhood\/ma\/boston\/south-end?&utm_source=flyhomes_blog&utm_content=9511\">South End<\/a> <svg class=\"MuiSvgIcon-root css-1pimix0\" focusable=\"false\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" style=\"font-size: 20px; color:#004D3D; vertical-align: middle; width:20px; margin-left:10px;\"><path d=\"M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z\"><\/path><\/svg><\/li><li><a target=\"_blank\" href=\"https:\/\/www.flyhomes.com\/neighborhood\/ma\/brookline\/brookline?&utm_source=flyhomes_blog&utm_content=9511\">Brookline<\/a> <svg class=\"MuiSvgIcon-root css-1pimix0\" focusable=\"false\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" style=\"font-size: 20px; color:#004D3D; vertical-align: middle; width:20px; margin-left:10px;\"><path d=\"M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z\"><\/path><\/svg><\/li><li><a target=\"_blank\" href=\"https:\/\/www.flyhomes.com\/neighborhood\/ma\/somerville\/somerville?&utm_source=flyhomes_blog&utm_content=9511\">Somerville<\/a> <svg class=\"MuiSvgIcon-root css-1pimix0\" focusable=\"false\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" style=\"font-size: 20px; color:#004D3D; vertical-align: middle; width:20px; margin-left:10px;\"><path d=\"M12 4l-1.41 1.41L16.17 11H4v2h12.17l-5.58 5.59L12 20l8-8z\"><\/path><\/svg><\/li><li><a target=\"_blank\" 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