{"id":21201,"date":"2024-09-30T14:23:44","date_gmt":"2024-09-30T19:23:44","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e4%b8%8d%e6%96%ad%e4%b8%8a%e6%b6%a8%e7%9a%84%e8%b4%a2%e4%ba%a7%e6%88%90%e6%9c%ac%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e6%88%bf%e5%b1%8b%e6%89%80%e6%9c%89%e6%9d%83%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8\/"},"modified":"2024-09-30T14:23:50","modified_gmt":"2024-09-30T19:23:50","slug":"%e4%b8%8d%e6%96%ad%e4%b8%8a%e6%b6%a8%e7%9a%84%e8%b4%a2%e4%ba%a7%e6%88%90%e6%9c%ac%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e6%88%bf%e5%b1%8b%e6%89%80%e6%9c%89%e6%9d%83%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e4%b8%8d%e6%96%ad%e4%b8%8a%e6%b6%a8%e7%9a%84%e8%b4%a2%e4%ba%a7%e6%88%90%e6%9c%ac%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e6%88%bf%e5%b1%8b%e6%89%80%e6%9c%89%e6%9d%83%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8\/","title":{"rendered":"\u4e0d\u65ad\u4e0a\u6da8\u7684\u8d22\u4ea7\u6210\u672c\u5982\u4f55\u5f71\u54cd\u623f\u5c4b\u6240\u6709\u6743\u4fdd\u9669\u516c\u53f8\u7684\u5e95\u7ebf"},"content":{"rendered":"\n<p>\u968f\u7740\u5bb6\u5ead\u52aa\u529b\u5e94\u5bf9\u4e0d\u65ad\u4e0a\u6da8\u7684\u623f\u5c4b\u6240\u6709\u6743\u548c\u79df\u91d1\u6210\u672c\uff0c\u4fdd\u9669\u516c\u53f8\u4e5f\u611f\u53d7\u5230\u4e86\u538b\u529b\u3002<\/p>\n\n<p>\u8d8a\u6765\u8d8a\u591a\u7684\u5e74\u8f7b\u79df\u623f\u8005\u548c\u8d2d\u623f\u8005\u9009\u62e9\u51cf\u5c11\u6216\u53d6\u6d88\u4ed6\u4eec\u7684\u79df\u623f\u8005\u6216\u623f\u4e3b\u4fdd\u9669\u3002\n\u8fd9\u4f7f\u5f97\u4fdd\u9669\u516c\u53f8\u5728\u9762\u5bf9\u707e\u96be\u6027\u5929\u6c14\u3001\u4f4f\u623f\u8001\u5316\u548c\u7c7b\u4f3c\u538b\u529b\u65f6\u66f4\u96be\u8ddf\u4e0a\u4e0d\u65ad\u4e0a\u6da8\u7684\u7d22\u8d54\u6210\u672c\u3002 <\/p>\n\n<p>\u4e3a\u4e86\u4e86\u89e3\u5982\u4f55\u627e\u5230\u548c\u7559\u4f4f\u5ba2\u6237\uff0c\u623f\u5c4b\u6240\u6709\u6743\u4fdd\u9669\u516c\u53f8\u9700\u8981\u4e86\u89e3\u7f8e\u56fd\u623f\u5730\u4ea7\u5e02\u573a\u6b63\u5728\u53d1\u751f\u7684\u4e8b\u60c5\u2014\u2014\u4ee5\u53ca\u5b83\u5982\u4f55\u5f71\u54cd\u4ed6\u4eec\u7684\u5e95\u7ebf\u3002<\/p>\n\n<h2 class=\"wp-block-heading\">\u4f4f\u623f\u5e02\u573a\u72b6\u51b5<\/h2>\n\n<p>\u623f\u5730\u4ea7\u5e02\u573a\u5904\u4e8e\u4e00\u79cd\u72ec\u7279\u7684\u72b6\u6001\uff0c\u51e0\u4e4e\u6bcf\u4e2a\u7ec6\u5206\u5e02\u573a\u90fd\u4f9b\u4e0d\u5e94\u6c42\u3002\n\u7531\u6b64\u4ea7\u751f\u7684\u6210\u672c\u589e\u52a0\u548c\u7ecf\u6d4e\u9002\u7528\u623f\u4f9b\u5e94\u51cf\u5c11\u5bf9\u79df\u623f\u8005\u548c\u9996\u6b21\u8d2d\u623f\u8005\u4ee5\u53ca\u4fdd\u9669\u516c\u53f8\u90fd\u9020\u6210\u4e86\u635f\u5931\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u6210\u672c\u8f83\u9ad8<\/h3>\n\n<p>\u7f8e\u56fd\u4f4f\u623f\u548c\u57ce\u5e02\u53d1\u5c55\u90e8 \uff08U.S. Department of Housing and Urban Development\uff09 \u5c06\u4e00\u4e2a\u5bb6\u5ead\u5b9a\u4e49\u4e3a\u6709\u6210\u672c\u8d1f\u62c5\u7684\u5bb6\u5ead\uff0c\u5982\u679c\u8be5\u5bb6\u5ead\u652f\u4ed8\u7684\u4f4f\u623f\u8d39\u7528\u8d85\u8fc7\u5176\u6536\u5165\u7684 30%\u3002\n\u585e <a href=\"https:\/\/www.usatoday.com\/story\/money\/personalfinance\/real-estate\/2018\/08\/15\/cities-where-middle-class-can-no-longer-afford-home-prices\/37105219\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f2a\u5c14\u00b7\u65af\u7279\u5bbe\u65af \uff08Samuel Stebbins<\/a> \uff09 \u5728\u300a\u4eca\u65e5\u7f8e\u56fd\u300b\u4e2d\u8868\u793a\uff0c\u5728\u81f3\u5c11 20 \u4e2a\u7f8e\u56fd\u57ce\u5e02\u4e2d\uff0c\u8d85\u8fc7\u4e09\u5206\u4e4b\u4e00\u7684\u5de5\u85aa\u5bb6\u5ead\u53d7\u5230\u623f\u4ef7\u7684\u6210\u672c\u8d1f\u62c5\u3002\n\u5728\u6700\u6602\u8d35\u7684\u5730\u533a\uff0c\u8fd9\u4e2a\u6570\u5b57\u4e0a\u5347\u5230 50% \u4ee5\u4e0a\u3002  <\/p>\n\n<p>\u5f53\u4e70\u623f\u4ef7\u683c\u8fc7\u9ad8\u65f6\uff0c\u79df\u623f\u6210\u4e3a\u4e0b\u4e00\u4e2a\u9009\u62e9\u2014\u2014\u4f46\u6574\u4e2a\u7f8e\u56fd\u7684\u79df\u91d1\u4e5f\u5728\u4e0a\u6da8\u3002\n\u300a\u6bcf\u65e5\u91ce\u517d\u300b\uff08Daily Beast\uff09\u7684 <a href=\"https:\/\/www.thedailybeast.com\/landless-americans-are-the-new-serf-class-10\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e54\u5c14\u00b7\u79d1\u7279\u91d1\uff08Joel Kotkin\uff09\u548c\u6e29\u5fb7\u5c14\u00b7\u8003\u514b\u65af\uff08Wendell Cox<\/a> \uff09\u8868\u793a\uff0c\u5728\u65e7\u91d1\u5c71\u548c\u7ebd\u7ea6\u7b49\u57ce\u5e02\uff0c\u6210\u672c\u8d1f\u62c5\u6c89\u91cd\u7684\u79df\u623f\u8005\u6bd4\u6bd4\u7686\u662f\uff0c\u4f46\u5728\u8fbe\u62c9\u65af-\u6c83\u65af\u5821\uff08Dallas-Fort Worth\uff09\u548c\u4f11\u65af\u987f\uff08Houston\uff09\u7b49\u6210\u672c\u8f83\u4f4e\u7684\u5730\u65b9\uff0c\u79df\u623f\u8005\u4e5f\u5728\u589e\u52a0\u3002 <\/p>\n\n<p>2018 \u5e74 Zillow \u7684\u4e00\u9879\u7814\u7a76\u53d1\u73b0\uff0c\u5f53\u5e74 2 \u6708\uff0c\u79df\u91d1\u4e0a\u6da8\u4e86 2.8%\uff0c\u8fd9\u662f\u81ea 2016 \u5e74\u4ee5\u6765\u6700\u5feb\u7684\u589e\u957f\u7387\u3002<\/p>\n\n<p>\u201c\u90a3\u4e9b\u4e00\u76f4\u5728\u5916\u9762\u8bd5\u56fe\u4e70\u623f\u7684\u4eba\u53ea\u662f\u4ec0\u4e48\u90fd\u627e\u4e0d\u5230\uff0c\u6216\u8005\u51fa\u4ef7\u88ab\u8d85\u8d8a\uff0c\u56e0\u6b64\u79df\u5f97\u66f4\u4e45\uff0c\u201dZillow \u9ad8\u7ea7\u7ecf\u6d4e\u5b66\u5bb6 <a href=\"https:\/\/www.nbcnews.com\/business\/consumer\/rents-have-risen-nationwide-making-it-tough-potential-homeowners-save-n863386\" target=\"_blank\" rel=\"noreferrer noopener\">Aaron Terrazas<\/a> \u8bf4\u3002<\/p>\n\n<p>\u968f\u7740\u79df\u91d1\u6210\u672c\u7684\u4e0a\u5347\uff0c\u62e5\u6709\u623f\u5c4b\u7684\u627f\u8bfa\u4e0d\u65ad\u6d88\u9000\u3002<\/p>\n\n<p>\u201c\u5728\u8fc7\u53bb\u5341\u5e74\u6216\u66f4\u957f\u65f6\u95f4\u91cc\uff0c\u751a\u81f3\u5728\u7ecf\u6d4e\u8870\u9000\u4e4b\u524d\uff0c\u5de5\u8d44\u4e00\u76f4\u843d\u540e\u4e8e\u79df\u91d1\u901a\u80c0\uff0c\u201dEnterprise Community \u653f\u7b56\u5236\u5b9a\u526f\u603b\u88c1 <a href=\"https:\/\/www.bisnow.com\/national\/news\/multifamily\/middle-class-housing-crisis-91946\" target=\"_blank\" rel=\"noreferrer noopener\">Andrew Jakabovics<\/a> \u8bf4\u3002<\/p>\n\n<p>\u7531\u4e8e\u79df\u91d1\u6d88\u8017\u4e86\u5bb6\u5ead\u6536\u5165\u7684\u66f4\u5927\u4efd\u989d\uff0c\u4eba\u4eec\u4e3a\u65e5\u76ca\u6602\u8d35\u7684\u623f\u5c4b\u9996\u4ed8\u50a8\u84c4\u7684\u80fd\u529b\u4e0b\u964d\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u66f4\u5c11\u7684\u9009\u9879<\/h3>\n\n<p>\u90a3\u4e9b\u4ecd\u7136\u62b1\u6709\u8d2d\u4e70\u81ea\u5df1\u623f\u5c4b\u7684\u5e0c\u671b\u7684\u4eba\u6b63\u9762\u4e34\u7740\u4e00\u4e2a\u8d8a\u6765\u8d8a\u5177\u6709\u6311\u6218\u6027\u7684\u5e02\u573a\u3002\n\u5168\u56fd\u9996\u5957\u4f4f\u623f\u7684\u4f9b\u5e94\u91cf\u6bcf\u5e74\u4e0b\u964d 17%\u3002\nRealtor.com \u7ecf\u6d4e\u7814\u7a76\u4e3b\u4efb <a href=\"https:\/\/www.realtor.com\/research\/housingshortage_starterhomes\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u54c8\u7ef4\u5c14\u00b7\u7ef4\u74e6\u65af \uff08Javier Vivas<\/a>\uff09 \u8868\u793a\uff0c\u8fd9\u51e0\u4e4e\u662f\u6240\u6709\u623f\u5c4b\u5e73\u5747\u4e0b\u964d\u901f\u5ea6\u7684\u4e24\u500d\uff0c\u6bd4\u5927\u578b\u623f\u5c4b\u4f9b\u5e94\u4e0b\u964d\u7684\u901f\u5ea6\u5feb\u4e09\u500d\u591a\u3002  <\/p>\n\n<p>\u6b64\u5916\uff0cVivas \u8bf4\uff0c\u8d2d\u4e70\u6216\u62c6\u9664\u7684\u8f83\u5c0f\u623f\u5c4b\u4e0d\u4f1a\u88ab\u7c7b\u4f3c\u5927\u5c0f\u548c\u8d1f\u62c5\u5f97\u8d77\u7684\u65b0\u623f\u5c4b\u6240\u53d6\u4ee3\u3002<\/p>\n\n<p>\u5168\u56fd\u4f4f\u5b85\u5efa\u7b51\u5546\u534f\u4f1a\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6 <a href=\"https:\/\/www.ozy.com\/acumen\/america-has-a-stunning-housing-shortage-heres-why\/79485\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f57\u4f2f\u7279\u00b7\u8fea\u8328 \uff08Robert Dietz<\/a>\uff09 \u8868\u793a\uff0c\u201c\u968f\u7740\u5efa\u7b51\u5546\u7ee7\u7eed\u9762\u4e34\u4f9b\u5e94\u4fa7\u7684\u963b\u529b\uff0c\u4f8b\u5982\u5efa\u7b51\u6750\u6599\u4ef7\u683c\u6301\u7eed\u4e0a\u6da8\u3001\u7f3a\u4e4f\u53ef\u5efa\u9020\u5730\u5757\u548c\u52b3\u52a8\u529b\u77ed\u7f3a\u201d\uff0c\u5355\u6237\u4f4f\u5b85\u5efa\u7b51\u8bb8\u53ef\u7684\u6570\u91cf\u6709\u6240\u51cf\u5c11\u3002<\/p>\n\n<p>\u4f46\u5efa\u7b51\u5546\u5e76\u4e0d\u662f\u5bfc\u81f4\u7f3a\u4e4f\u8d1f\u62c5\u5f97\u8d77\u7684\u5165\u95e8\u623f\u7684\u552f\u4e00\u539f\u56e0\u3002<\/p>\n\n<p>\u201c\u56f4\u7ed5\u7f3a\u4e4f\u7ecf\u6d4e\u9002\u7528\u623f\u7684\u8ba8\u8bba\u901a\u5e38\u96c6\u4e2d\u5728\u5f00\u53d1\u5546\u548c\u6295\u673a\u8005\u4f5c\u4e3a\u6076\u68cd\uff0c\u4f46\u623f\u4e3b\u53cd\u5bf9\u65b0\u516c\u5bd3\u662f\u95ee\u9898\u7684\u5f88\u5927\u4e00\u90e8\u5206\uff0c\u201d\u65e7\u91d1\u5c71\u7530\u5fb7\u9686\u4f4f\u623f\u8bca\u6240\u4e3b\u4efb\u5170 <a href=\"https:\/\/www.citylab.com\/equity\/2018\/11\/millennials-home-buying-generation-priced-out\/574840\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u8fea\u00b7\u8096 \uff08Randy Shaw<\/a>\uff09 \u8865\u5145\u9053\u3002<\/p>\n\n<p>\u6839\u636e Shaw \u7684\u8bf4\u6cd5\uff0c\u5e74\u957f\u7684\u623f\u4e3b\u8bd5\u56fe\u963b\u6b62\u5efa\u9020\u8f83\u5c0f\u7684\u623f\u5c4b\u548c\u516c\u5bd3\uff0c\u8fd9\u5728\u8be5\u56fd\u7684\u5927\u90e8\u5206\u5730\u533a\u90fd\u53d6\u5f97\u4e86\u6210\u529f\uff0c\u8fd9\u5bfc\u81f4\u4e86\u5bfb\u6c42\u8d2d\u4e70\u7b2c\u4e00\u5957\u623f\u5b50\u7684\u5bb6\u5ead\u627e\u4e0d\u5230\u4ed6\u4eec\u8d1f\u62c5\u5f97\u8d77\u7684\u623f\u5c4b\u7684\u60c5\u51b5\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u4f4f\u623f\u7684\u672a\u6765<\/h3>\n\n<p>\u968f\u7740\u7f8e\u8054\u50a8\u5229\u7387\u7684\u4e0a\u5347\uff0c\u672a\u6765\u8d2d\u623f\u53ef\u80fd\u4f1a\u53d8\u5f97\u66f4\u52a0\u56f0\u96be\uff0c\u8fd9\u5c06\u963b\u788d\u9500\u552e\u3002\n\u6b64\u5916\uff0c\u6700\u8fd1\u7684\u7a0e\u6536\u6539\u9769\u9650\u5236\u4e86\u5dde\u548c\u5730\u65b9\u8d22\u4ea7\u7a0e\u7684\u6263\u9664\u989d\uff0c\u8fdb\u4e00\u6b65\u589e\u52a0\u4e86\u57ce\u5e02\u8d2d\u623f\u7684\u6210\u672c\uff0cPolitico \u7684 <a href=\"https:\/\/www.politico.com\/agenda\/story\/2018\/11\/20\/millennials-homeownership-affordability-000792\" target=\"_blank\" rel=\"noreferrer noopener\">Lorraine Woellert<\/a> \u8bf4\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"696\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/house-1024x696.jpg\" alt=\"\" class=\"wp-image-5632\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/house-1024x696.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/house-300x204.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/house-768x522.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/house-834x566.jpg 834w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/house.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u623f\u5c4b\u6240\u6709\u6743\u7684\u66ff\u4ee3\u65b9\u6848<\/h2>\n\n<p>\u5bf9\u4e8e\u5c1a\u672a\u51c6\u5907\u597d\u8d2d\u4e70\u7b2c\u4e00\u5957\u623f\u5b50\u6216\u521a\u521a\u5f00\u59cb\u8003\u8651\u8d2d\u4e70\u7684\u5e74\u8f7b\u4eba\u548c\u5bb6\u5ead\u6765\u8bf4\uff0c\u79df\u623f\u662f\u6700\u5e38\u89c1\u7684\u9009\u62e9\u3002\n2017 \u5e74\u76ae\u5c24\u7814\u7a76\u4e2d\u5fc3 \uff08Pew Research\uff09 \u7684\u4e00\u9879\u7814\u7a76\u53d1\u73b0\uff0c\u6839\u636e <a href=\"http:\/\/www.pewresearch.org\/fact-tank\/2017\/07\/19\/more-u-s-households-are-renting-than-at-any-point-in-50-years\/\" target=\"_blank\" rel=\"noreferrer noopener\">Anthony Cilluffo\u3001Abigail Geiger \u548c Richard Fry<\/a> \u7684\u8bf4\u6cd5\uff0c\u5f53\u5e74\u79df\u623f\u7684\u7f8e\u56fd\u5bb6\u5ead\u6bd4\u8fc7\u53bb\u534a\u4e2a\u4e16\u7eaa\u7684\u4efb\u4f55\u65f6\u5019\u90fd\u591a\u3002 <\/p>\n\n<p>\u7136\u800c\uff0c\u79df\u91d1\u6210\u672c\u4e5f\u5728\u4e0a\u6da8\u3002\n\u968f\u7740\u5efa\u9020\u7684\u4f4e\u6210\u672c\u79df\u8d41\u5355\u5143\u8d8a\u6765\u8d8a\u5c11\uff0c\u79df\u8d41\u5e02\u573a\u6b63\u5728\u611f\u53d7\u5230\u538b\u529b\u3002\n\u623f\u5229\u7f8e\u9ad8\u7ea7\u591a\u6237\u4f4f\u5b85\u7ecf\u6d4e\u5b66\u5bb6 <a href=\"http:\/\/www.fanniemae.com\/resources\/file\/research\/emma\/pdf\/MF_Market_Commentary_021518.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Tanya Zahalak<\/a> \u8868\u793a\uff0c\u81ea 2008 \u5e74\u7ecf\u6d4e\u8870\u9000\u4ee5\u6765\uff0cA \u7ea7\u591a\u6237\u4f4f\u5b85\uff08\u6210\u672c\u6700\u9ad8\u7684\u5355\u5143\uff09\u7684\u6570\u91cf\u589e\u52a0\u4e86 110 \u4e07\u5957\uff0c\u4f46\u66f4\u5b9e\u60e0\u7684 B \u7ea7\u548c C \u7c7b\u9009\u62e9\u7684\u6570\u91cf\u4e00\u76f4\u505c\u6ede\u5728 570 \u4e07\u5957\uff0c\u5c3d\u7ba1\u9700\u6c42\u589e\u52a0\u3002  <\/p>\n\n<p>\u968f\u7740\u79df\u91d1\u4e0a\u6da8\uff0c\u79df\u623f\u8005\u4fdd\u9669\u53ef\u7528\u7684\u5bb6\u5ead\u8d44\u91d1\u4f1a\u4e0b\u964d\u3002\n\u8ba9\u79df\u623f\u8005\u4fdd\u9669\u8d1f\u62c5\u5f97\u8d77\uff0c\u6559\u80b2\u5ba2\u6237\u4e86\u89e3\u5176\u4ef7\u503c\u5e76\u4f7f\u6c9f\u901a\u53d8\u5f97\u7b80\u5355\uff0c\u53ef\u4ee5\u5e2e\u52a9\u4fdd\u9669\u516c\u53f8\u4e0e\u8be5\u5e02\u573a\u7684\u5ba2\u6237\u5efa\u7acb\u5fe0\u8bda\u7684\u5173\u7cfb\u3002 <\/p>\n\n<p>\u7531\u4e8e\u4f20\u7edf\u623f\u5c4b\u66f4\u96be\u83b7\u5f97\uff0c\u4e00\u4e9b\u5bb6\u5ead\u6b63\u5728\u8f6c\u5411\u66ff\u4ee3\u54c1\uff0c\u5982\u5fae\u578b\u4f4f\u5b85\u3001\u6a21\u5757\u5316\u623f\u5c4b\u548c\u7528\u4e0d\u5bfb\u5e38\u7684\u6750\u6599\u5efa\u9020\u7684\u623f\u5c4b\uff0c\u5982\u96c6\u88c5\u7bb1\uff0c <a href=\"https:\/\/www.chicagotribune.com\/classified\/realestate\/ct-re-alternative-home-styles-20181129-story.html\" target=\"_blank\" rel=\"noreferrer noopener\">Darcel Rockett<\/a> \u5728\u300a\u829d\u52a0\u54e5\u8bba\u575b\u62a5\u300b\u4e0a\u8bf4\u3002<\/p>\n\n<p>\u5728\u5927\u591a\u6570\u7814\u7a76\u4e2d\uff0c\u5fae\u578b\u4f4f\u5b85\u548c\u5176\u4ed6\u4f20\u7edf\u5efa\u9020\u7684\u5355\u6237\u4f4f\u5b85\u66ff\u4ee3\u54c1\u7684\u6570\u91cf\u592a\u5c11\uff0c\u65e0\u6cd5\u88ab\u5f52\u7c7b\u4e3a\u5355\u72ec\u7684\u7c7b\u522b\u3002\n\u5c3d\u7ba1\u5982\u6b64\uff0c\u968f\u7740\u5e74\u8f7b\u4e70\u5bb6\u5bfb\u627e\u81ea\u5df1\u7684\u623f\u5c4b\uff0c\u800c\u5e74\u957f\u4e70\u5bb6\u6216\u592b\u5987\u7f29\u5c0f\u89c4\u6a21\uff0c\u5b83\u4eec\u53ef\u80fd\u4f1a\u5bf9\u672a\u6765\u7684\u623f\u5730\u4ea7\u5e02\u573a\u4ea7\u751f\u91cd\u5927\u5f71\u54cd\uff0c\u5168\u56fd\u96f6\u552e\u5546\u534f\u4f1a\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6 <a href=\"https:\/\/www.insurancejournal.com\/magazines\/mag-features\/2017\/03\/06\/442981.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Lawrence Yun<\/a> \u8868\u793a\u3002 <\/p>\n\n<p>\u8fd9\u4e9b\u66ff\u4ee3\u4f4f\u623f\u7c7b\u578b\u53ef\u80fd\u4f1a\u7ed9\u623f\u5c4b\u6240\u6709\u6743\u4fdd\u9669\u516c\u53f8 <a href=\"http:\/\/blog.boltinc.com\/insurance-distribution-solution-blog\/tiny-house-insurance?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.7.1724961141870&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">\u5e26\u6765\u6311\u6218<\/a> \u3002\n\u4f8b\u5982\uff0c\u53ef\u80fd\u5f88\u96be\u5bf9\u5efa\u7b51\u7269\u8fdb\u884c\u5206\u7c7b\u6216\u89e3\u91ca\u5b83\u4eec\u901a\u5e38\u662f DIY \u7684\u6027\u8d28\u3002\n\u5bf9\u4e8e\u5df2\u7ecf\u5728\u5c1d\u8bd5\u66ff\u4ee3\u65b9\u6848\u7684\u4eba\u7fa4\u6765\u8bf4\uff0c\u63a5\u53d7\u4f20\u7edf\u7684\u4fdd\u9669\u6982\u5ff5\u53ef\u80fd\u5f88\u56f0\u96be\u3002  <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/happy-couple-1024x683.jpg\" alt=\"\" class=\"wp-image-5642\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/happy-couple-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/happy-couple-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/happy-couple-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/08\/happy-couple.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u623f\u4e3b\u4e0e\u79df\u623f\u8005\uff1a\u4fdd\u9669\u516c\u53f8\u5c06\u5982\u4f55\u5e94\u5bf9\uff1f<\/h2>\n\n<p>\u9996\u5148\uff0c\u597d\u6d88\u606f\u662f\uff1a\u6839\u636e JD Power 2018 \u5e74\u7f8e\u56fd\u5bb6\u5ead\u4fdd\u9669\u7814\u7a76\uff0c\u623f\u4e3b\u548c\u79df\u623f\u8005\u5bf9\u5176\u4fdd\u9669\u8303\u56f4\u7684\u6ee1\u610f\u5ea6\u5728 2018 \u5e74\u8fbe\u5230\u4e86\u5386\u53f2\u6700\u9ad8\u6c34\u5e73\u3002\nJ.D. Power \u5317\u7f8e\u4fdd\u9669\u4e1a\u52a1\u4e1a\u52a1\u987e\u95ee <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/jd-power-2018-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener\">Robert Lajdziak<\/a> \u8868\u793a\uff0c\u5ba2\u6237\u4fe1\u5fc3\u7684\u6fc0\u589e\u4e0e\u5ba2\u6237\u901a\u8fc7\u6570\u5b57\u6e20\u9053\u4e0e\u623f\u4e3b\u6216\u79df\u623f\u8005\u4fdd\u9669\u5efa\u7acb\u8054\u7cfb\u7684\u80fd\u529b\u5bc6\u5207\u76f8\u5173\u3002 <\/p>\n\n<p>\u6362\u53e5\u8bdd\u8bf4\uff0c\u53ea\u8981\u4fdd\u9669\u516c\u53f8\u4fdd\u6301\u5728\u6570\u5b57\u6e38\u620f\u7684\u9876\u7aef\uff0c\u623f\u4e3b\u548c\u79df\u623f\u8005\u4fdd\u9669\u9886\u57df\u7684\u6311\u6218\u5c31\u4e0d\u592a\u53ef\u80fd\u6765\u81ea\u5ba2\u6237\u3002\n\u76f8\u53cd\uff0c\u6311\u6218\u53ef\u80fd\u6765\u81ea\u623f\u5730\u4ea7\u5e02\u573a\u672c\u8eab\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u66f4\u597d\u7684\u6559\u80b2\u548c\u5916\u5c55<\/h3>\n\n<p>\u8003\u8651\u5230\u5f53\u5730\u4f4f\u623f\u5e02\u573a\u7684\u4ef7\u683c\uff0c\u623f\u5c4b\u6240\u6709\u6743\u4fdd\u9669\u516c\u53f8\u5c06\u9762\u4e34\u4e00\u4e2a\u6311\u6218\uff0c\u5373\u63d0\u4f9b\u5bf9\u5ba2\u6237\u6709\u610f\u4e49\u7684\u4fdd\u9669\u3002\n\u76ee\u524d\uff0c\u623f\u4e3b\u548c\u79df\u623f\u8005\u4fdd\u9669\u7684\u5e73\u5747\u4fdd\u8d39\u4e0e\u4f4f\u623f\u5e02\u573a\u7684\u4ef7\u683c\u4ec5\u677e\u6563\u76f8\u5173\u3002 <\/p>\n\n<p>\u4f8b\u5982\uff0c\u4f5b\u7f57\u91cc\u8fbe\u5dde\u7684\u5e73\u5747\u5e74\u6b7b\u4ea1\u7387\u6bd4\u5168\u56fd\u5e73\u5747\u6c34\u5e73\u9ad8 191%\uff0c\u800c\u590f\u5a01\u5937\u7684\u5e74\u5e73\u5747\u6b7b\u4ea1\u7387\u6bd4\u5168\u56fd\u5e73\u5747\u6c34\u5e73\u4f4e 73%\uff0cInsurance.com \u7684 <a href=\"https:\/\/www.insurance.com\/home-and-renters-insurance\/home-insurance-basics\/average-homeowners-insurance-rates-by-state#footer\" target=\"_blank\" rel=\"noreferrer noopener\">Les Masterson<\/a> \u8bf4\u3002\n\u5c3d\u7ba1\u590f\u5a01\u5937\u4e00\u76f4\u88ab\u8bc4\u4e3a\u7f8e\u56fd\u6700\u6602\u8d35\u7684\u4f4f\u623f\u5e02\u573a\u4e4b\u4e00\uff0c\u4f46\u590f\u5a01\u5937\u5728\u540d\u5355\u4e0a\u57ab\u5e95\u3002 <\/p>\n\n<p>\u4e3a\u4e86\u5e2e\u52a9\u5ba2\u6237\u66f4\u597d\u5730\u4e86\u89e3\u8fd9\u4e9b\u6570\u5b57\uff0c\u623f\u5c4b\u6240\u6709\u6743\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u63d0\u4f9b\u66f4\u591a\u6709\u5173\u5982\u4f55\u8ba1\u7b97\u623f\u4e3b\u6216\u79df\u623f\u8005\u4fdd\u9669\u8d39\u7528\u7684\u6559\u80b2\u3002\n\u4f8b\u5982\uff0c\u5e2e\u52a9\u5ba2\u6237\u4e86\u89e3\u4f4f\u5b85\u7684\u5e74\u9f84\u3001\u5efa\u7b51\u6750\u6599\u548c\u73af\u5883\u56e0\u7d20\u5982\u4f55\u5f71\u54cd\u4fdd\u9669\u603b\u6210\u672c\uff0c\u53ef\u4ee5\u4e3a\u4eba\u4eec\u5728\u9009\u62e9\u4fdd\u5355\u65f6\u63d0\u4f9b\u4e3b\u4eba\u7fc1\u610f\u8bc6\u548c\u4ef7\u503c\u611f\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">\u623f\u5730\u4ea7\u5e02\u573a\u7684\u672a\u6765<\/h3>\n\n<p>\u6839\u636e\u5168\u56fd\u5065\u5eb7\u4f4f\u623f\u5e02\u573a\u9886\u5148\u6307\u6570 \uff08LIHHM\uff09 \u5bf9\u5168\u56fd 400 \u4e2a\u5927\u90fd\u5e02\u7edf\u8ba1\u533a\u7684\u4f4f\u623f\u5065\u5eb7\u6307\u6807\u7684\u5206\u6790\uff0c\u5c3d\u7ba1\u7f8e\u56fd\u90e8\u5206\u5730\u533a\u7684\u4f4f\u623f\u589e\u957f\u5f00\u59cb\u5448\u4e0a\u5347\u8d8b\u52bf\uff0c\u4f46\u81ea 2018 \u5e74\u5e74\u4e2d\u4ee5\u6765\uff0c\u6574\u4f53\u589e\u957f\u4e00\u76f4\u4fdd\u6301\u4e2d\u6027\u3002<\/p>\n\n<p>\u201c\u5927\u591a\u6570\u5730\u533a\u7684\u9700\u6c42\u56e0\u7d20\u603b\u4f53\u4e0a\u662f\u79ef\u6781\u7684\uff0c\u4f46\u4f9b\u5e94\u72b6\u51b5\u4ecd\u7136\u7d27\u5f20\uff0c\u800c\u8d1f\u62c5\u80fd\u529b\u662f\u4e00\u4e2a\u65e5\u76ca\u4ee4\u4eba\u62c5\u5fe7\u7684\u95ee\u9898\uff0c\u201dNationwide \u9ad8\u7ea7\u526f\u603b\u88c1\u517c\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6 <a href=\"https:\/\/blog.nationwide.com\/housing\/\" target=\"_blank\" rel=\"noreferrer noopener\">David Berson \u535a\u58eb<\/a> \u548c\u8be5\u7814\u7a76\u7684\u4f5c\u8005\u8bf4\u3002<\/p>\n\n<p>\u5bfb\u6c42\u4e70\u623f\u7684\u5bb6\u5ead\u53ef\u80fd\u4f1a\u6bd4\u8fc7\u53bb\u641c\u7d22\u66f4\u957f\u7684\u65f6\u95f4\uff0c\u8fd9\u610f\u5473\u7740\u4ed6\u4eec\u5c06\u7ee7\u7eed\u4f9d\u8d56\u79df\u623f\u8005\u4fdd\u9669\u6570\u6708\u6216\u6570\u5e74\u3002\n\u4e3a\u79df\u623f\u8005\u63d0\u4f9b\u4fdd\u9669\u7684\u516c\u53f8\u53ef\u4ee5\u4ea7\u751f\u5fe0\u8bda\u5ea6\uff0c\u4ece\u800c\u6301\u7eed\u8fc7\u6e21\u5230\u6700\u7ec8\u7684\u623f\u4e3b\u4fdd\u5355\u3002 <\/p>\n\n<p><em>\u56fe\u7247\u63d0\u4f9b\uff1aIan Allenden\/\u00a9123RF.com\u3001imagemax\/\u00a9123RF.com\u3001Antonio Guillem\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u968f\u7740\u5bb6\u5ead\u52aa\u529b\u5e94\u5bf9\u4e0d\u65ad\u4e0a\u6da8\u7684\u623f\u5c4b\u6240\u6709\u6743\u548c\u79df\u91d1\u6210\u672c\uff0c\u4fdd\u9669\u516c\u53f8\u4e5f\u611f\u53d7\u5230\u4e86\u538b\u529b\u3002 \u8d8a\u6765\u8d8a\u591a\u7684\u5e74\u8f7b\u79df\u623f\u8005\u548c\u8d2d\u623f\u8005\u9009\u62e9\u51cf\u5c11 [&hellip;]<\/p>\n","protected":false},"featured_media":5623,"template":"","insight-category":[],"class_list":["post-21201","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight\/21201","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media\/5623"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media?parent=21201"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight-category?post=21201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}