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d**ny**** 님 답변 답변일 7/29/2011 5:39:18 PM

Ho6 가 무엇인지요?

m**ag**** 님 답변 답변일 7/30/2011 11:35:29 AM

"http://www.getloans.com/blog/archives/464 "
"most lenders require EITHER the HOA master policy provide HO-6 walls in coverage OR that the individual owner purchase an individual policy. ---Check the master policy to see if this coverage is already provided." - - - HOA master policy를 검토 필요 “The master policy provides coverage for the interior of units as they were originally conveyed by the developer.”
”사고시에 . . 원래그건물이 지어진데로 안밖으로 basic으로 원상복귀가 돠는지. . . . . (That master policy would end up rebuilding walls, replacing windows, and basic cabinets and fixtures... . . ).

"extensive.리모델 업그레이드한expensive fixtures, cabinets, flooring, 등 personal belongings against damage or theft, 등은 HOA master policy 에포함안되고 - - individual policy HO-6 콘도미니엄 개인보험으로
보호되고. . . "

" You are required to have an individual policy HO-6 by some mortgage companies , lenders for financing or refinancing . If you do not obtain an HO-6 policy, the lender will not fund your loan. "
"HO6 insurance will cover all that damage to your dishwasher, floors, carpet, cabinets, et"
융자, 재융자 시에 HO-6 가 요구되고. . .
," you must obtain a "walls-in" coverage policy (commonly known as HO-6 policy). The HO-6 insurance policy must covers at least 20% of the unit's appraised value, and must cover fixtures, equipment, and other personal property inside the individual. "
그런데. . . .
"If I have not improved anything, and my Master policy covers my interior to the original quality, what is the H06 going to cover in addition to the master policy?" 리모델 업그레이드 한것없고 귀중한 비싼 가구나 물건등 따로 더 보호받을게 없는데. . . ?
So hw is this “proper H06 coverage” any better than a master policy that covers the interior when there are no improvements?If I have not improved anything, and my Master policy covers my interior to the original quality, what is the H06 going to cover in addition to the master policy?"
그래도. . . .
"They still require the HO6 if you have no betterments or improvements. Fannie Mae would tell you they do not view it as “additional H06 coverage”, they see it as “proper H06 coverage”. In other words, they think they are making everyone raise their coverage to protect themselves, as well as the lender, better". . .

더 나은 protection and coverage 을 위하여?. . .. . . . .

m**ag**** 님 답변 답변일 7/30/2011 11:43:30 AM

"http://en.wikipedia.org/wiki/Home_insurance"
"Home insurance, also commonly called hazard insurance or homeowner's insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes ."
Types of policies
Currently, the ISO has seven standardized homeowners insurance forms in general use:
HO1 – Basic Form Homeowner Policy
A basic policy form that provides coverage on a home against 11 listed perils; contents are generally included in this type of coverage, but must be explicitly enumerated. The perils include fire or lightning, windstorm or hail, vandalism or malicious mischief, theft, damage from vehicles and aircraft, explosion riot or civil commotion, glass breakage, smoke, volcanic eruption, and personal liability. Exceptions include floods, earthquakes.
HO2 – Broad Form Homeowner Policy
A more advanced form that provides coverage on a home against 17 listed perils (including all 11 on the HO1). The coverage is usually a "named perils" policy, which lists the events that would be covered.
HO3 – Special Form Homeowner Policy
The typical, most comprehensive form used for single-family homes. The policy provides "all risk" coverage on the home with some perils excluded, such as earthquake and flood. Contents are covered on a named peril basis. (Note: "All Risk" is poorly termed as it is essentially named exclusions (ie, if it is not specifically excluded, it is covered))
HO4 – Renter's Insurance
The "Tenants" form is for renters. It covers personal property against the same perils as the contents portion of the HO2 or HO3.[6]
HO5 - Premier Homeowner Policy
Covers the same as HO3 plus more. On this policy the contents are covered on an open peril basis, therefore as long as the cause of loss is not specifically excluded in the policy it will be covered for that cause of loss. (can also be achieved by endorsing an HO15 to the HO3)
HO6 – Condominium Policy
The form for condominium owners.
HO8 – Older Houses
The "Modified Coverage" form is for the owner-occupied older home whose replacement cost far exceeds the property's market value."

d**ny**** 님 답변 답변일 7/31/2011 11:57:40 AM

한달에 20여불 밖에 안하니 Condominium Insurance는 융자 은행에서 요구하지 않더라도 드는게 좋을것 같습니다.

단 하나 권해드리고 싶은 부분은 꼭 콘도 Master Policy와 비교해서 겹치지 않게 들면 낭비없이 보험드실수 있을겁니다. 쫗은 Master Policy이면 상당히 많은 부분이 커버 될수도 있습니다.

Condominium Insurance와 Master Policy 겹치게 들면 돈도 낭비지만 나중에 일이 생겼을때 어차피 두군데 클레임 하는것은 불법이기 때문입니다.

p**lh**** 님 답변 답변일 9/9/2011 8:47:13 AM

HO-6 콘도 보험은 꼭 드시는 것이 좋습니다. 재해가 났을 경우에 꼭 필요한 사항이고 요즘에는 Bortgage Company 에서도 Requirement 로 요구하는 경우가 많이 있습니다.

곽재혁 님 답변 [머니/재테크] 답변일 7/30/2011 10:10:21 AM

renew를 하셔야 합니다. 2-3년전부터 은행에서 콘도에 대한 융자기준을 강화시키면서 추가된 requirement중의 하나입니다. 본래 personal property를 보호하기 위해서 옵션으로 가입하던 HO6 보험을 은행에서 융자승인의 조건의 하나로 포함시키고 있습니다. 이것은 만일 유닛에 repair를 요하는 문제가 발생시에 HOA의 보험으로 카버가 안되는 경우 HO6보험으로 수리를 가능하게 하는 역활을 하게 합니다. 만일 renew를 하시지 않으면 추후 은행에서 추가로 강제보험을 들게됩니다. 참고 하십시요.

곽재혁 [머니/재테크]

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