{"id":4148,"date":"2017-09-26T08:39:39","date_gmt":"2017-09-26T16:39:39","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4148"},"modified":"2017-10-02T13:26:48","modified_gmt":"2017-10-02T21:26:48","slug":"earthquake_ins2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/earthquake_ins2\/","title":{"rendered":"\u5730\u9707\u4fdd\u967a\u306e\u52a0\u5165\u3092\u518d\u8003\u3059\u308b"},"content":{"rendered":"

\u4eca\u56de\u306f\u3001\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u5728\u4f4f\u4ee5\u5916\u306e\u65b9\u306b\u306f\u7533\u3057\u8a33\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u306e\u5730\u9707\u4fdd\u967a\u306e\u8a71\u3067\u3059\u3002\u3053\u306e\u30d6\u30ed\u30b0\u3067\u3082\u4ee5\u524d\u306b\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u5730\u9707\u4fdd\u967a\u306e\u8a71\u3092\u3068\u308a\u3042\u3052\u3001\u300c\u8cb7\u3046\u6d3e\u300d\u3068\u300c\u8cb7\u308f\u306a\u3044\u6d3e\u300d\u306e\u8003\u5bdf\u3092\u884c\u3044\u307e\u3057\u305f\u3002\u4f9d\u7136\u3068\u3057\u3066\u3001\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u4e16\u5e2f\u306e\u5730\u9707\u4fdd\u967a\u5951\u7d04\u8005\u306f\uff11\uff10\uff05\u306b\u904e\u304e\u307e\u305b\u3093\u3002\u305f\u3060\u3001\u5730\u9707\u4fdd\u967a\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u975e\u55b6\u5229\u6a5f\u69cb\u306eCalifornia Earthquake Authority\uff08CEA\uff09\u306f\u30012016\u5e74\u306b\u4fdd\u967a\u306e\u5185\u5bb9\u3068\u6599\u91d1\u306e\u6539\u5584\u898b\u76f4\u3057\u3092\u884c\u3044\u3001\u4ee5\u524d\u3088\u308a\u3082\u5145\u5b9f\u304c\u56f3\u3089\u308c\u307e\u3057\u305f\u3002\u3088\u3063\u3066\u3001\u5730\u9707\u4fdd\u967a\u306e\u52a0\u5165\u3092\u3088\u308a\u7a4d\u6975\u7684\u306b\u8003\u3048\u308b\u306b\u5024\u3059\u308b\u6761\u4ef6\u304c\u305d\u308d\u3063\u3066\u304d\u305f\u3068\u8a00\u3048\u307e\u3059\u3002\u4eca\u65e5\u306f\u305d\u306e\u8a71\u3067\u3059\u3002<\/p>\n

\u4ee5\u524d\u3053\u306e\u30d6\u30ed\u30b0\u3067\u7d39\u4ecb\u3057\u305f\u8a18\u4e8b\u306f\u4ee5\u4e0b\u3067\u3059\u3002<\/p>\n

\u5730\u9707\u4fdd\u967a\u3063\u3066\u8cb7\u3046\u3001\u8cb7\u308f\u306a\u3044\uff1f\u3000<\/strong><\/a><\/p>\n

\u4ee5\u524d\u306f\u3001\u4fdd\u967a\u5185\u5bb9\u306b\u3064\u3044\u3066\u306e\u9078\u629e\u306e\u7bc4\u56f2\u304c\u9650\u5b9a\u7684\u3067\u3057\u305f\u3002\u5bb6\u5c4b\u3078\u306e\u30c0\u30e1\u30fc\u30b8\u306b\u5bfe\u3059\u308bDeductible\uff08\u81ea\u5df1\u8ca0\u62c5\u984d\uff09\u304c\u5bb6\u306e\u4fa1\u683c\u306e10\uff05\u300115\uff05\u306e\u3044\u305a\u308c\u304b\u3002Personal Property\uff08\u5bb6\u8ca1\u30fb\u79c1\u8ca1\uff09$5,000\u304b\u3089$100,000\u307e\u3067\u3002Loss-of-use\uff08\u5730\u9707\u306e\u88ab\u5bb3\u306b\u3088\u308a\u5bb6\u3092\u4f7f\u3048\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u3001\u4e00\u6642\u7684\u306b\u4ed6\u306b\u4f4f\u3080\u3068\u304d\u306e\u8cbb\u7528\u3078\u306e\u88dc\u511f\uff09\u306f$1,500\u304b\u3089$25,000\u307e\u3067\u3068\u3044\u3046\u8a2d\u5b9a\u3067\u3057\u305f\u3002<\/p>\n

\u5730\u9707\u767a\u751f\u306e\u6642\u9593\u306b\u3082\u3088\u308a\u307e\u3059\u304c\u3001\u5730\u9707\u306e\u5834\u5408\u3001\u5bb6\u5c4b\u306e\u5012\u58ca\u306e\u88ab\u5bb3\u3088\u308a\u3001\u30ac\u30b9\u7ba1\u7834\u88c2\u306a\u3069\u306b\u3088\u308b\u706b\u707d\u3084\u6c34\u9053\u7ba1\u7834\u88c2\u306b\u3088\u308b\u6c34\u5bb3\u306a\u3069\u3001\u3069\u3061\u3089\u304b\u3068\u3044\u3046\u30682\u6b21\u7684\u707d\u5bb3\u3067\u88ab\u5bb3\u3092\u88ab\u308b\u78ba\u7387\u304c\u591a\u3044\u3088\u3046\u3067\u3059\u3002\u3053\u308c\u3089\u306f\u3001\u305f\u3068\u3048\u5730\u9707\u304c\u305d\u3082\u305d\u3082\u306e\u539f\u56e0\u3067\u3042\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u6301\u3061\u5bb6\u4fdd\u967a\u3067\u30ab\u30d0\u30fc\u3055\u308c\u307e\u3059\u3002\u307e\u305f\u3001\u5730\u9707\u81ea\u4f53\u306b\u3088\u308b\u5bb6\u5c4b\u306e\u5012\u58ca\u3082\u3001\u3053\u308c\u307e\u3067\u306b\u767a\u751f\u3057\u305f\u5730\u9707\u3067\u306e\u4fdd\u967a\u30af\u30ec\u30fc\u30e0\u984d\u30c7\u30fc\u30bf\u3092\u898b\u3066\u307f\u308b\u3068\u3001\u6570\u4e07\u30c9\u30eb\uff5e6\u4e07\u30c9\u30eb\u3042\u305f\u308a\u306e\u7bc4\u56f2\u304c\u591a\u304f\u3001\u3053\u308c\u3089\u306f\u4e0a\u306e\u5730\u9707\u4fdd\u967a\u306eDeductibe\u306e\u7bc4\u56f2\u306b\u53ce\u307e\u3063\u3066\u3057\u307e\u3046\u30ec\u30d9\u30eb\u306e\u984d\u3067\u3042\u308a\u3001\u9ad8\u3044\u4fdd\u967a\u6599\u3092\u652f\u6255\u3046\u306e\u306b\u7d50\u5c40\u306f\u88dc\u511f\u304c\u5f97\u3089\u308c\u306a\u3044\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u3044\u3046\u5371\u60e7\u3082\u9ad8\u304f\u3001\u4fdd\u967a\u3092\u8cfc\u5165\u3059\u308b\u4eba\u306f\u5c11\u6570\u306b\u3068\u3069\u307e\u3063\u3066\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u4f38\u3073\u60a9\u3080\u5951\u7d04\u8005\u6570\u3092\u524d\u306b\u3001\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u5dde\u306fCEA\u3092\u901a\u3057\u3066\u306e\u5730\u9707\u4fdd\u967a\u63d0\u4f9b\u306b\u898b\u76f4\u3057\u3092\u639b\u3051\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3057\u305f\u30022016\u5e74\u306b\u4e0a\u8a18\u306e\u4fdd\u967a\u5185\u5bb9\u304c\u6539\u5b9a\u3055\u308c\u3001Deductible\u306e\u8a2d\u5b9a\u306f\u300110\uff05\u300115\uff05\u300120\uff05\u300125\uff05\u3068\u8907\u6570\u30ec\u30d9\u30eb\u306b\u62e1\u5927\u3059\u308b\u3068\u3068\u3082\u306bPersonal property\u3078\u306e\u88dc\u511f\u3082$5,000\u304b\u3089$200,000\u307e\u3067\u306e\u7bc4\u56f2\u3067\u8a2d\u5b9a\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u3001Loss of Use\u306f$1,500\u304b\u3089$100,000\u307e\u3067\u306b\u62e1\u5927\u3055\u308c\u307e\u3057\u305f\u3002\u3053\u308c\u3068\u540c\u6642\u306b\u3001CEA\u306f4\u5ea6\u76ee\u306e\u4fdd\u967a\u6599\u524a\u6e1b\u3092\u884c\u3044\u3001\u5730\u9707\u4fdd\u967a\u306e\u8cfc\u5165\u304c\u3088\u308a\u5b89\u4fa1\u306b\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u307e\u305f\u3001Retrofitting\u306b\u3088\u308a\u8010\u9707\u5bfe\u7b56\u3092\u884c\u3063\u305f\u5bb6\u306e\u5834\u5408\u306b\u306f\u3001\u6700\u592720%\u307e\u3067\u306e\u30c7\u30a3\u30b9\u30ab\u30a6\u30f3\u30c8\u3092\u5f97\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002\u3055\u3089\u306bPacific Select\u3068GeoVera\u3068\u3044\u3046\u3075\u305f\u3064\u306e\u4f1a\u793e\u304c\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u5730\u9707\u4fdd\u967a\u5e02\u5834\u306b\u53c2\u5165\u3057\u307e\u3057\u305f\u3002\u4eca\u5f8c\u306f\u3001\u7af6\u5408\u52b9\u679c\u3082\u51fa\u3066\u304f\u308b\u3053\u3068\u304c\u671b\u307e\u308c\u307e\u3059\u3002<\/p>\n

\u3053\u308c\u3092\u6a5f\u306b\u3001\u5c11\u3057\u305a\u3064\u5e02\u5834\u306b\u5909\u5316\u304c\u8868\u308c\u3066\u304d\u307e\u3057\u305f\u30022016\u5e74\u4ee5\u524d\u306f\u3001\u5e74\u9593\u5e73\u57477,200\u4ef6\u306e\u65b0\u898f\u8cfc\u5165\u3060\u3063\u305f\u306e\u304c\u30012016\u5e74\u306b\u306f52,000\u4ef6\u306e\u65b0\u898f\u8cfc\u5165\u3092\u8a18\u9332\u3057\u3001\u3053\u306e\u4fdd\u967a\u6599\u3068\u5185\u5bb9\u306e\u6539\u5584\u306b\u3088\u308b\u52b9\u679c\u306f\u5927\u304d\u3044\u3088\u3046\u3067\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u305d\u308c\u3067\u3082\u307e\u3060\u5951\u7d04\u4e16\u5e2f\u306f\u5bfe\u8c61\u4e16\u5e2f\u306e10\uff05\u306b\u3068\u3069\u307e\u3063\u3066\u3044\u307e\u3059\u3002\u6bd4\u8f03\u7684\u5bcc\u88d5\u5c64\u306e\u591a\u3044\u30aa\u30ec\u30f3\u30b8\u30ab\u30a6\u30f3\u30c6\u30a3\u3067\u306f19\uff05\u3068\u3044\u3046\u6570\u5b57\u3082\u51fa\u3066\u3044\u308b\u306e\u3067\u3001\u5730\u57df\u3054\u3068\u306b\u5dee\u304c\u3042\u308b\u306e\u3082\u4e8b\u5b9f\u3067\u3057\u3087\u3046\u3002\u5bb6\u306e\u3042\u308b\u5834\u6240\u3084\u5bb6\u306e\u5927\u304d\u3055\u3084\u53e4\u3055\u306a\u3069\u3055\u307e\u3056\u307e\u306a\u6761\u4ef6\u3067\u4fdd\u967a\u6599\u306f\u307e\u3061\u307e\u3061\u3067\u3059\u304c\u3001CEA\u306b\u3088\u308b\u3068\u300c\u5e73\u5747\u7684\u306a\u4fdd\u967a\u6599\u300d\u306f\u4e00\u5e74\u3067$700\u3068\u306e\u3053\u3068\u3067\u3059\u3002<\/p>\n

 <\/p>\n

\u3069\u306e\u304f\u3089\u3044\u5b89\u304f\u306a\u3063\u305f\uff1f<\/h2>\n

\u4fdd\u967a\u6599\u306f\u3069\u306e\u304f\u3089\u4e0b\u304c\u3063\u305f\u306e\u304b\u3061\u3087\u3063\u3068\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n

\u4ee5\u524d\u306e\u30d6\u30ed\u30b0\u304c\u51fa\u305f2014\u5e743\u6708\u6642\u70b9\u3067\u306f\u3001\u6211\u304c\u5bb6\u306e\u5730\u9707\u4fdd\u967a\u306f\u4e0b\u306e\u6761\u4ef6\u3060\u3068\u3001\u5e74\u306b$1,219\u3067\u3057\u305f\u3002<\/p>\n

\"\"<\/p>\n

 <\/p>\n

\u73fe\u5728\u306e\u4fdd\u967a\u6599Estimator\u306b\u540c\u3058\u6761\u4ef6\u3092\u5165\u308c\u3066\u307f\u308b\u3068\u3002\u3002<\/p>\n

 <\/p>\n

\"\"<\/p>\n

\u5e74\u9593$1,077\u3067\u3059\u3002$142\u306e\u6e1b\u984d\u3067\u3059\u3002\u307e\u305f\u524d\u8ff0\u306e\u3088\u3046\u306b\u3001\u3053\u306eEstimator\u3067\u306f<\/a>Deductible\u3084Personal Property\u3001Loss of Use\u306f\u4ee5\u524d\u3088\u308a\u5e83\u7bc4\u56f2\u3067\u81e8\u3080\u984d\u3092\u9078\u629e\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u6c17\u306b\u306a\u308bCEA\u306e\u8ca1\u52d9\u72b6\u614b\u3067\u3059\u304c\u3001AM Best\u306e\u30ec\u30a4\u30c6\u30a3\u30f3\u30b0\u306b\u3088\u308b\u30682002\u5e74\u3088\u308a\u305a\u3063\u3068CEA\u306e\u30ec\u30a4\u30c6\u30a3\u30f3\u30b0\u306fA-\u306eExcellent\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u30002017\u5e743\u6708\u73fe\u5728\u52a0\u5165\u8005\u6570\u306f943,000\u4ef6\u3067\u3001\u5e74\u9593\u4fdd\u967a\u6599\u53ce\u5165\u306f$621\u30df\u30ea\u30aa\u30f3\u30022017\u5e74\u306e\u7b2c\u4e00\u56db\u534a\u671f\u307e\u3067\u306b$5.3\u30d3\u30ea\u30aa\u30f3\u307e\u3067\u81ea\u5df1\u8cc7\u672c\u304c\u5897\u3048\u3001\u73fe\u5728\u306e\u30af\u30ec\u30fc\u30e0\u652f\u6255\u3044\u80fd\u529b\u306f\u3001$14.1\u30d3\u30ea\u30aa\u30f3\u3060\u305d\u3046\u3067\u3001\u5341\u5206\u306a\u652f\u6255\u80fd\u529b\u304c\u3042\u308b\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u4ee5\u524d\u306b\u3082\u3054\u7d39\u4ecb\u3057\u307e\u3057\u305f\u304c\u3001\u3054\u81ea\u5206\u306e\u4f4f\u6240\u3092\u5165\u529b\u3057\u3066\u3001\u5730\u9707\u304c\u8d77\u3053\u3063\u305f\u5834\u5408\u306e\u88ab\u5bb3\u306e\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u304c\u3067\u304d\u308b\u30b5\u30a4<\/a>\u30c8\u304c\u3042\u308a\u307e\u3059\u3002\u30d5\u30a9\u30eb\u30c8\u30e9\u30a4\u30f3\uff08\u65ad\u5c64\uff09\u3082\u51fa\u3066\u304f\u308b\u306e\u3067\u3001\u81ea\u5206\u306e\u5bb6\u304c\u65ad\u5c64\u306b\u8fd1\u3044\u304b\u306a\u3069\u3082\u4e00\u76ee\u3067\u308f\u304b\u308a\u307e\u3059\u3002\u9707\u6e90\u306e\u5834\u6240\u3092\u8a2d\u5b9a\u3057\u305f\u308a\u3001\u5730\u9707\u306e\u30de\u30b0\u30cb\u30c6\u30e5\u30fc\u30c9\u3092\u5909\u66f4\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u308b\u306e\u3067\u3001\u305f\u3068\u3048\u3070\u300c\u81ea\u5206\u306e\u8857\u304c\u9707\u6e90\u3067\u3001\u30de\u30b0\u30cb\u30c6\u30e5\u30fc\u30c98.0\u306e\u5730\u9707\u304c\u8d77\u3053\u3063\u305f\u5834\u5408\u306e\u3001\u6211\u304c\u5bb6\u306e\u88ab\u5bb3\u306f\u300d\u3068\u3044\u3046\u3088\u3046\u306b\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u3067\u304d\u307e\u3059\u3002<\/p>\n

\"\"<\/p>\n

\u3053\u306e\u30b7\u30e5\u30df\u30ec\u30fc\u30bf\u30fc\u306e\u7cbe\u5ea6\u306b\u3064\u3044\u3066\u306f\u79c1\u306f\u77e5\u308b\u7531\u3082\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u305f\u3060\u3053\u306e\u7d50\u679c\u3092\u898b\u308b\u9650\u308a\u3001\u9707\u6e90\u304c\u81ea\u5b85\u306e\u3059\u3050\u8fd1\u304f\u306e\u5834\u5408\u306f$100,000\u30ec\u30d9\u30eb\u3092\u8d85\u3048\u308b\u88ab\u5bb3\u304c\u51fa\u307e\u3059\u304c\u3001\u5c11\u3057\u9707\u6e90\u304c\u96e2\u308c\u308b\u3068\u3001\u6570\u4e07\u30c9\u30eb\u30ec\u30d9\u30eb\u306b\u306a\u308b\u3088\u3046\u3067\u3059\u3002\u706b\u4e8b\u306e\u5834\u5408\u3060\u3068\u5bb6\u306b\u3082\u5bb6\u306e\u4e2d\u306b\u3042\u308b\u5bb6\u8ca1\u306b\u3082\u88ab\u5bb3\u304c\u53ca\u3073\u307e\u3059\u304c\u3001\u5730\u9707\u306e\u5834\u5408\u3001\u5bb6\u5c4b\u304c\u5b8c\u5168\u306b\u3064\u3076\u308c\u305f\u306e\u3067\u306a\u3051\u308c\u3070\u3001\u5bb6\u5168\u4f53\u3084\u5bb6\u8ca1\u306b\u307e\u3067\u88ab\u5bb3\u304c\u53ca\u3076\u53ef\u80fd\u6027\u306f\u5c11\u306a\u3044\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n

\u4fdd\u967a\u6599\u306eEstimator\u3067\u3044\u308d\u3044\u308d\u8a66\u3057\u3066\u307f\u308b\u9650\u308a\u3001\u4fdd\u967a\u6599\u3092\u6700\u3082\u5927\u304d\u304f\u5de6\u53f3\u3059\u308b\u306e\u306f\u306a\u3093\u3068\u3044\u3063\u3066\u3082Deductible\u3067\u3059\u3002\u5148\u306e\u4f8b\u3092\u4f7f\u3046\u306a\u3089\u3070\u3001Deductible\u3092\uff15\uff05\u304b\u3089\uff11\uff10\uff05\u306b\u5f15\u304d\u4e0a\u3052\u308b\u3068\u3001\u4fdd\u967a\u6599\u306f25\uff05\u8fd1\u304f\u4e0b\u304c\u308a\u307e\u3059\u3002\u3042\u3068\u306ePersonal Property\u3084Loss of Use\u306f\u3042\u308b\u7a0b\u5ea6\u5909\u5316\u3055\u305b\u3066\u3082\u4fdd\u967a\u6599\u3092\u5927\u304d\u304f\u5909\u3048\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n

 <\/p>\n

\u3053\u306e\u3088\u3046\u306a\u8003\u3048\u65b9\u304c\u3044\u3044\u304b\u3082\u3002\u3002\u3002<\/h2>\n

\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u306e\u591a\u304f\u306e\u5834\u6240\u3067\u5730\u9707\u306e\u30ea\u30b9\u30af\u306f\u907f\u3051\u3066\u901a\u308c\u306a\u3044\u3082\u306e\u3067\u3059\u3002<\/p>\n

\u3082\u3068\u3082\u3068\u4fdd\u967a\u3068\u3044\u3046\u306e\u306f\u3001\u300c\u8d77\u3053\u308b\u53ef\u80fd\u6027\u306f\u975e\u5e38\u306b\u4f4e\u3044\u304c\u3001\u8d77\u3053\u3063\u3066\u3057\u307e\u3063\u305f\u5834\u5408\u3001\u3042\u307e\u308a\u306b\u5927\u304d\u306a\u30c0\u30e1\u30fc\u30b8\u304c\u3042\u308b\u305f\u3081\u5bb6\u8a08\u306e\u5c06\u6765\u3092\u5de6\u53f3\u3059\u308b\u3088\u3046\u306a\u30ea\u30b9\u30af\u306b\u5bfe\u3057\u3066\u300d\u8cfc\u5165\u3059\u3079\u304d\u3082\u306e\u3067\u3059\u3002\u305d\u306e\u610f\u5473\u3067\u306f\u5730\u9707\u4fdd\u967a\u306e\u8cfc\u5165\u306f\u7406\u306b\u304b\u306a\u3044\u307e\u3059\u3002<\/p>\n

\u300c\u3042\u307e\u308a\u306b\u5927\u304d\u306a\u30c0\u30e1\u30fc\u30b8\u300d\u306f\u5bb6\u8a08\u305d\u308c\u305e\u308c\u3067\u898b\u6975\u3081\u308b\u3053\u3068\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u5bb6\u304c\u90e8\u5206\u7684\u306b\u58ca\u308c\u305f\u5834\u5408\u3001$40,000\u304f\u3089\u3044\u306a\u3089\u304a\u5b50\u3055\u3093\u306e\u9ad8\u7b49\u6559\u80b2\u3084\u5c06\u6765\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u3092\u72a0\u7272\u306b\u3057\u306a\u3044\u3067\u3082\u51fa\u305b\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u305d\u308c\u306f\u300c\u3042\u307e\u308a\u306b\u5927\u304d\u306a\u30c0\u30e1\u30fc\u30b8\u300d\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u300c$60,000\u3060\u3068\u82e6\u3057\u3044\u300d\u3068\u3044\u3046\u306e\u3067\u3042\u308c\u3070\u3001\u305d\u308c\u304c\u300c\u3042\u307e\u308a\u306b\u5927\u304d\u306a\u30c0\u30e1\u30fc\u30b8\u300d\u306e\u5165\u308a\u53e3\u3067\u3059\u3002\u305d\u306e\u5834\u5408\u306f$60,000\u304cDeductible\u306b\u306a\u308b\u3088\u3046\u306b\u8a2d\u5b9a\u3059\u308b\u3001\u305f\u3068\u3048\u3070\u5bb6\u306e\u5024\u6bb5\u304c$400,000\uff08\u571f\u5730\u306f\u542b\u307f\u307e\u305b\u3093\uff09\u306a\u3089\u3070\u300115\uff05Deductible\u306b\u8a2d\u5b9a\u3059\u308b\u3068\u3044\u3046\u5177\u4f53\u3067\u3059\u3002\u3042\u308b\u3044\u306f20\uff05\u307e\u3067\u5f15\u304d\u4e0a\u3052\u308c\u3070\u3055\u3089\u306b\u4fdd\u967a\u6599\u304c\u7bc0\u7d04\u3067\u304d\u307e\u3059\u3002\u3053\u306e\u969b\u300c\u5143\u3092\u3068\u308b\u300d\u8003\u3048\u306f\u6368\u3066\u305f\u65b9\u304c\u3044\u3044\u3067\u3059\u3002\u5c0f\u3055\u306a\u88ab\u5bb3\u306a\u3089\u3001\u81ea\u5206\u3067\u5438\u53ce\u3057\u3001\u3069\u3046\u3057\u3088\u3046\u3082\u306a\u3044\u88ab\u5bb3\u3060\u3051\u3057\u3063\u304b\u308a\u30ab\u30d0\u30fc\u3059\u308b\u3068\u3044\u3046\u8003\u3048\u65b9\u3067\u3059\u300215\uff05\u308420\uff05Deductible\u30dd\u30ea\u30b7\u30fc\u3067\u3042\u308c\u3070\u3001\u6bd4\u8f03\u7684\u5b89\u4fa1\u306b\u300c\u3042\u307e\u308a\u306b\u5927\u304d\u306a\u30c0\u30e1\u30fc\u30b8\u300d\u3068\u3044\u3046\u4e0a\u65b9\u30ea\u30b9\u30af\u306b\u306e\u307f\u5099\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305d\u3057\u3066Deductible\u304f\u3089\u3044\u307e\u3067\u306e\u304a\u91d1\u306f\u3001\u975e\u5e38\u6642\u306e\u84c4\u3048\u3068\u3057\u3066\u73fe\u91d1\u3068\u3057\u3066\u84c4\u3048\u3066\u304a\u304d\u307e\u3059\u3002\u975e\u5e38\u6642\u306e\u5834\u5408\u306f\u3001\u7fa9\u63f4\u91d1\u304c\u3067\u305f\u308a\u3001IRA\u3084401(k)\u306a\u3069\u306e\u53e3\u5ea7\u304b\u3089\u3082\u30da\u30ca\u30eb\u30c6\u30a3\u306a\u3057\u3067\u304a\u91d1\u304c\u5f15\u304d\u51fa\u305b\u308b\u3088\u3046\u306a\u5fdc\u6025\u51e6\u7f6e\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u306e\u3067\u3001\u3053\u308c\u3089\u3082\u3042\u308b\u7a0b\u5ea6\u306f\u8a08\u7b97\u306b\u5165\u308c\u3066\u3082\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

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 <\/p>\n

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