买了新房请教保险
请教前辈们，关于新房保险的问题。我于最近买了新房，房产公司指定的保险代理发来如下报价，有些不是很明白，第4，第5项是什么意思哪？2013的新房，自住。
[table=98%]
[tr][td]Dwelling Coverage [/td][td] $208,000.00 [/td][/tr]
[tr][td]Other Structures [/td][td] $20,800.00 [/td][/tr]
[tr][td]Personal Property [/td][td] $104,000.00 [/td][/tr]
[tr][td]Additional Living Expenses [/td][td] $62,400.00 [/td][/tr]
[tr][td]Personal Liability [/td][td] $300,000.00 [/td][/tr]
[tr][td] Medical Payment [/td][td] $5,000.00 [/td][/tr]
[tr][td]Deductible: Policy [/td][td] $1,000.00 [/td][/tr]
[tr][td][/td][td] [/td][/tr]
[tr][td]Annual Premium [/td][td] $317.00 [/td][/tr]
[/table] [b]回复 [url=http://www.chineseinvegas.com/bbs/redirect.php?goto=findpost&pid=32388&ptid=17214]1#[/url] [i]ming3033[/i] [/b]
你买的是哪家保险公司，年费这么这么便宜
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