m*******d
发帖数: 274 | 1 We need to buy a home insurance. The house price is 520k. Loan amount is
200k. The replacement cost (shown in appraisal report) is 423k. Most
insurance companies gave quote with insured dwelling amount around 300K-380K
, Geico gave quote with insured dwelling amount at 520K, and State farm gave
quote with insured dwelling amount at 423K. I am wondering if everyone use
sale price or replacement cost for the insured amount, or even lower. Thanks
a lot! |
s*8
发帖数: 1933 | 2 一般贷款文件上面有规定，
380K
【在 m*******d 的大作中提到】
: We need to buy a home insurance. The house price is 520k. Loan amount is
: 200k. The replacement cost (shown in appraisal report) is 423k. Most
: insurance companies gave quote with insured dwelling amount around 300K-380K
: , Geico gave quote with insured dwelling amount at 520K, and State farm gave
: quote with insured dwelling amount at 423K. I am wondering if everyone use
: sale price or replacement cost for the insured amount, or even lower. Thanks
: a lot!
|
t****i
发帖数: 4225 | 3 有钱人阿， 首付32万
380K
gave
use
Thanks
【在 m*******d 的大作中提到】
: We need to buy a home insurance. The house price is 520k. Loan amount is
: 200k. The replacement cost (shown in appraisal report) is 423k. Most
: insurance companies gave quote with insured dwelling amount around 300K-380K
: , Geico gave quote with insured dwelling amount at 520K, and State farm gave
: quote with insured dwelling amount at 423K. I am wondering if everyone use
: sale price or replacement cost for the insured amount, or even lower. Thanks
: a lot!
|
s*******t
发帖数: 7746 | 4 用replacement cost， sale price里包含了房子和地价值，地的部分不需要保 |
p******y
发帖数: 3523 | 5 稳妥起见，用replacement cost吧。 |
b*d
发帖数: 9308 | 6 看哪家银行了，有些用replacement cost，有些用loan amount，有些用两者较低的一
个。
380K
gave
use
Thanks
【在 m*******d 的大作中提到】
: We need to buy a home insurance. The house price is 520k. Loan amount is
: 200k. The replacement cost (shown in appraisal report) is 423k. Most
: insurance companies gave quote with insured dwelling amount around 300K-380K
: , Geico gave quote with insured dwelling amount at 520K, and State farm gave
: quote with insured dwelling amount at 423K. I am wondering if everyone use
: sale price or replacement cost for the insured amount, or even lower. Thanks
: a lot!
|
