L******g 发帖数: 59 | 1 昨天递交了check定下那个condo,结果今天阿毛跟我说还要买个什么保险,他也说不清
楚,说是买家的保险,叫我给我的保险公司打电话,把阿毛的电话告诉保险公司,保险
公司会打电话给阿毛,阿毛再把hoa的电话告诉保险公司,然后保险公司跟hoa联络。。
。。什么跟什么?说是hoa有为房子买保险,但是hoa只出一部分钱,剩下的要自己出,
哪个晓得这是神马情况不?买房真累! |
C******e 发帖数: 11790 | 2 “结果今天阿毛跟我说还要买个什么保险,他也说不清
楚,说是买家的保险,”
这怎么可能?这跟美国还中国agent没半点关系 |
L******g 发帖数: 59 | 3 主要是沟通不畅,阿毛不晓得怎么解释那个保险,我自己又搞不清楚。不知道有没有哪
位同学买锅condo的给介绍下是什么保险?
【在 C******e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : “结果今天阿毛跟我说还要买个什么保险,他也说不清 : 楚,说是买家的保险,” : 这怎么可能?这跟美国还中国agent没半点关系
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d*****2 发帖数: 120 | 4 both you and HOA should buy insurance, HOA pay insurance which cover the
house construction part, you pay insurance which cover inside of house .for
example , kitchen, bathroom .
【在 L******g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 主要是沟通不畅,阿毛不晓得怎么解释那个保险,我自己又搞不清楚。不知道有没有哪 : 位同学买锅condo的给介绍下是什么保险?
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w******t 发帖数: 16937 | 5 master insurance
【在 L******g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 昨天递交了check定下那个condo,结果今天阿毛跟我说还要买个什么保险,他也说不清 : 楚,说是买家的保险,叫我给我的保险公司打电话,把阿毛的电话告诉保险公司,保险 : 公司会打电话给阿毛,阿毛再把hoa的电话告诉保险公司,然后保险公司跟hoa联络。。 : 。。什么跟什么?说是hoa有为房子买保险,但是hoa只出一部分钱,剩下的要自己出, : 哪个晓得这是神马情况不?买房真累!
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r******d 发帖数: 1879 | 6 For condo property, you have the following insurances:
1. HO-6 insurance, which is purchased by you, it will cover 20% of dwelling
of your property's appraised value for the minimum coverage, it is required
by lender if you do the loan.
2. master insurance, which is provided by your HOA, which will cover the
external shared common area. It usually cover the fire insurance and other
maintenance and repairing.
3. One year home warrenty insurance. It is usually requested the seller to
purchase for buyer in the purchase contract. But this is just an option and
is not a MUST have insurance.
I do have some clients whose HOA will not cover fire insurance but only
damage repairing for external, in that case, you have to purchase the fire
insurance by your own. Usually HOA fee will be cheaper comparing the one
which is covering fire insurance, flood insurance or earth quake insurance.
Hope it hleps!
【在 L******g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 昨天递交了check定下那个condo,结果今天阿毛跟我说还要买个什么保险,他也说不清 : 楚,说是买家的保险,叫我给我的保险公司打电话,把阿毛的电话告诉保险公司,保险 : 公司会打电话给阿毛,阿毛再把hoa的电话告诉保险公司,然后保险公司跟hoa联络。。 : 。。什么跟什么?说是hoa有为房子买保险,但是hoa只出一部分钱,剩下的要自己出, : 哪个晓得这是神马情况不?买房真累!
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b********2 发帖数: 5191 | 7 不用解释, 只要问明白保险的英文名称就清楚了.
【在 L******g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 昨天递交了check定下那个condo,结果今天阿毛跟我说还要买个什么保险,他也说不清 : 楚,说是买家的保险,叫我给我的保险公司打电话,把阿毛的电话告诉保险公司,保险 : 公司会打电话给阿毛,阿毛再把hoa的电话告诉保险公司,然后保险公司跟hoa联络。。 : 。。什么跟什么?说是hoa有为房子买保险,但是hoa只出一部分钱,剩下的要自己出, : 哪个晓得这是神马情况不?买房真累!
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o*****p 发帖数: 5952 | 8 你代理不给力。
我们都会解释清楚。
【在 L******g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 昨天递交了check定下那个condo,结果今天阿毛跟我说还要买个什么保险,他也说不清 : 楚,说是买家的保险,叫我给我的保险公司打电话,把阿毛的电话告诉保险公司,保险 : 公司会打电话给阿毛,阿毛再把hoa的电话告诉保险公司,然后保险公司跟hoa联络。。 : 。。什么跟什么?说是hoa有为房子买保险,但是hoa只出一部分钱,剩下的要自己出, : 哪个晓得这是神马情况不?买房真累!
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B********4 发帖数: 7156 | 9 买房都要买保险呀。
HOA只买公共部分的保险,你还需要买自己房子内部的保险。 |
w*****d 发帖数: 94 | 10 HOA买的保险是Master insurance, 你需要买一个wall in的保险,这个比较便宜。 |
L******g 发帖数: 59 | 11 thank you very much!! there have another insurance which is called "title
insurance". do you know what is that mean?
dwelling
required
and
【在 r******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : For condo property, you have the following insurances: : 1. HO-6 insurance, which is purchased by you, it will cover 20% of dwelling : of your property's appraised value for the minimum coverage, it is required : by lender if you do the loan. : 2. master insurance, which is provided by your HOA, which will cover the : external shared common area. It usually cover the fire insurance and other : maintenance and repairing. : 3. One year home warrenty insurance. It is usually requested the seller to : purchase for buyer in the purchase contract. But this is just an option and : is not a MUST have insurance.
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r******d 发帖数: 1879 | 12 If you have the mortgage loan, all the lenders require you to buy the lender
title insurance. Please check the following link for the detailed
explaination about the title insurance;
http://www.mtgprofessor.com/a%20-%20title%20insurance/questions
【在 L******g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : thank you very much!! there have another insurance which is called "title : insurance". do you know what is that mean? : : dwelling : required : and
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