{"id":10616,"date":"2026-03-22T21:05:56","date_gmt":"2026-03-22T12:05:56","guid":{"rendered":"https:\/\/readtrends.com\/ko\/multi-homeowners-exclusion\/"},"modified":"2026-03-22T21:05:56","modified_gmt":"2026-03-22T12:05:56","slug":"multi-homeowners-exclusion","status":"publish","type":"post","link":"https:\/\/readtrends.com\/ko\/multi-homeowners-exclusion\/","title":{"rendered":"\uc774 \ub300\ud1b5\ub839 \u201c\ub2e4\uc8fc\ud0dd\u00b7\ubd80\ub3d9\uc0b0 \uacfc\ub2e4\ubcf4\uc720\uc790, \ubd80\ub3d9\uc0b0 \uc815\ucc45\uc11c \ubc30\uc81c\u201d &#8211; \uacbd\ud5a5\uc2e0\ubb38"},"content":{"rendered":"<article>\n<h2>\ud575\uc2ec \uc694\uc57d<\/h2>\n<p>\uc774\uc7ac\uba85 \ub300\ud1b5\ub839\uc740 3\uc6d4 22\uc77c \uc5d1\uc2a4(X)\ub97c \ud1b5\ud574 \uc8fc\ud0dd\u00b7\ubd80\ub3d9\uc0b0 \uc815\ucc45\uc758 \ub17c\uc758\u00b7\uc785\uc548\u00b7\ubcf4\uace0\u00b7\uacb0\uc7ac \uacfc\uc815\uc5d0\uc11c \ub2e4\uc8fc\ud0dd\uc790, \ube44\uac70\uc8fc \uace0\uac00 \uc8fc\ud0dd \uc18c\uc720\uc790 \ub4f1 \ubd80\ub3d9\uc0b0 \uacfc\ub2e4\ubcf4\uc720\uc790\ub97c \ubc30\uc81c\ud558\ub3c4\ub85d \uc9c0\uc2dc\ud588\ub2e4\uace0 \ubc1d\ud614\ub2e4. \uc774\ub294 \uc815\ucc45 \uacb0\uc815 \uacfc\uc815\uc5d0\uc11c \uacf5\uc9c1\uc790\uc758 \uc774\ud574\ucda9\ub3cc\uc744 \uc6d0\ucc9c \ucc28\ub2e8\ud558\ub824\ub294 \uc758\uc9c0\ub85c \ud574\uc11d\ub41c\ub2e4. \uccad\uc640\ub300\ub294 \uad00\ub828 \ubcf4\uc720 \ud604\ud669\uc744 \uc870\uc0ac\ud574 \ud544\uc694\ud55c \uacbd\uc6b0 \uc815\ucc45 \ub2f4\ub2f9\uc790\uc758 \uc5c5\ubb34 \ubc30\uc81c\ub97c \uc2dc\ud589\ud558\uaca0\ub2e4\uace0 \ubc1d\ud614\ub2e4. \ub300\ud1b5\ub839\uc740 \uc8fc\ud0dd \uc815\ucc45\uc758 \uc791\uc740 \ud5c8\uc810\ub3c4 \uc6a9\ub0a9\ud558\uc9c0 \uc54a\uaca0\ub2e4\ub294 \uc785\uc7a5\uc744 \uc7ac\ud655\uc778\ud588\ub2e4.<\/p>\n<h2>\ud575\uc2ec \uc0ac\uc2e4<\/h2>\n<ul>\n<li>\ubc1c\uc5b8 \uc2dc\uc810: 2026\ub144 3\uc6d4 22\uc77c \ub300\ud1b5\ub839\uc758 \uc5d1\uc2a4(X) \uac8c\uc2dc\uae00 \ubc0f \uad00\ub828 \ube0c\ub9ac\ud551.<\/li>\n<li>\ub300\uc0c1: \ub2e4\uc8fc\ud0dd\uc790, \ud22c\uc790\u00b7\ud22c\uae30 \ubaa9\uc801 \ube44\uac70\uc8fc \uace0\uac00 \uc8fc\ud0dd \ubcf4\uc720\uc790, \ubd80\ub3d9\uc0b0 \uacfc\ub2e4\ubcf4\uc720\uc790 \ub4f1 \uc815\ucc45 \uc124\uacc4\u00b7\uc9d1\ud589 \ub77c\uc778\uc5d0\uc11c \ubc30\uc81c \uc9c0\uc2dc.<\/li>\n<li>\ubaa9\uc801: \uc815\ucc45 \uc218\ub9bd\u00b7\uc2dc\ud589 \ub2e8\uacc4\uc5d0\uc11c \uacf5\uc9c1\uc790 \uc774\ud574\ucda9\ub3cc\uacfc \ub0b4\ub85c\ub0a8\ubd88 \uc18c\uc9c0\ub97c \uc0ac\uc804 \ucc28\ub2e8.<\/li>\n<li>\uccad\uc640\ub300 \uc870\uce58: \ubd80\ub3d9\uc0b0 \uc815\ucc45 \ub2f4\ub2f9\uc790\uc758 \ubcf4\uc720 \ud604\ud669\uc744 \ud30c\uc545 \uc911\uc774\uba70, \uc870\uc0ac \ud6c4 \uc5c5\ubb34 \ubc30\uc81c \uc870\uce58 \uc2dc\ud589 \uc608\uc815(\uccad\uc640\ub300 \ud64d\ubcf4\uc18c\ud1b5\uc218\uc11d \ubc1c\ud45c).<\/li>\n<li>\uc5ed\uc0ac\uc801 \uadfc\uac70: 2020\ub144 \uc774\uc7ac\uba85 \ub2f9\uc2dc \uacbd\uae30\ub3c4\uc9c0\uc0ac\ub294 LH \ud22c\uae30 \uc0ac\ud0dc \uc774\ud6c4 \ub2e4\uc8fc\ud0dd \uacf5\ubb34\uc6d0\uc5d0 \ub300\ud574 \uc2b9\uc9c4 \ubc30\uc81c \ub4f1 \uc778\uc0ac \uc870\uce58\ub97c \uc2dc\ud589\ud55c \uc804\ub840\uac00 \uc788\uc74c.<\/li>\n<li>\uac15\uc870 \ubc1c\uc5b8: \ub300\ud1b5\ub839\uc740 \u201c\uc8fc\ud0dd \uc815\ucc45\uc5d0\ub294 \ub2e8 0.1%\uc758 \uacb0\ud568\ub3c4 \uc788\uc5b4\uc11c\ub294 \uc548 \ub41c\ub2e4\u201d\uace0 \uc5b8\uae09.<\/li>\n<li>\uad00\ub828 \ubb38\uc81c\uc81c\uae30: \ub300\ud1b5\ub839\uc740 \uc0ac\uc5c5\uc790 \ub300\ucd9c\uc744 \uc774\uc6a9\ud55c \uaf3c\uc218 \ub9e4\uc785 \uc0ac\ub840\uc5d0 \ub300\ud574 \uad6d\uc138\uccad \uc804\uc218\uac80\uc99d \uc0ac\ub840\ub97c \uacf5\uc720\ud558\uba70 \ubb38\uc81c\ub97c \uc9c0\uc801.<\/li>\n<\/ul>\n<h2>\uc0ac\uac74 \ubc30\uacbd<\/h2>\n<p>\ud55c\uad6d\uc5d0\uc11c\ub294 \uc8fc\ud0dd\uacfc \ud1a0\uc9c0\uc5d0 \ub300\ud55c \uac1c\uc778\u00b7\uacf5\uc9c1\uc790 \uc774\ud574\uad00\uacc4\uac00 \uc815\ucc45 \uc2e0\ub8b0\uc131\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uccd0\uc654\ub2e4. \ud2b9\ud788 \uacf5\uc9c1\uc790\ub098 \uacf5\uacf5\uae30\uad00 \uc784\uc9c1\uc6d0\uc758 \ubd80\ub3d9\uc0b0 \ubcf4\uc720\uc640 \uad00\ub828\ub41c \uc2a4\uce94\ub4e4\uc740 \uc815\ucc45 \uc218\ub9bd\uc758 \uacf5\uc815\uc131 \ubb38\uc81c\ub85c \uc774\uc5b4\uc838 \uad6d\ubbfc \ubd84\ub178\ub97c \ucd09\ubc1c\ud55c \uc804\ub840\uac00 \uc788\ub2e4. 2020\ub144 \ud55c\uad6d\ud1a0\uc9c0\uc8fc\ud0dd\uacf5\uc0ac(LH) \uc9c1\uc6d0\ub4e4\uc758 \ud22c\uae30 \uc758\ud639\uc740 \uacf5\uc9c1\uc790 \ubd80\ub3d9\uc0b0 \ubcf4\uc720\uc640 \uc815\ucc45 \uc2e0\ub8b0\uc131 \ubb38\uc81c\ub97c \ub300\uc911 \uc758\uc81c\ub85c \ud655\uc0b0\uc2dc\ucf30\ub2e4. \uc774\ud6c4 \uc5ec\ub7ec \uc9c0\uc790\uccb4\uc640 \uc911\uc559\uc815\ubd80\ub294 \uacf5\uacf5\ubd80\ubb38 \uc774\ud574\ucda9\ub3cc \ubc29\uc9c0 \uc7a5\uce58\ub97c \ub9c8\ub828\ud558\ub824\ub294 \uc2dc\ub3c4\ub97c \uc774\uc5b4\uc654\ub2e4.<\/p>\n<p>\uc774\ubc88 \uc9c0\uc2dc\ub294 \uadf8\ub7ec\ud55c \ub9e5\ub77d\uc5d0\uc11c \ub098\uc628 \uc870\uce58\ub85c \ubcf4\uc778\ub2e4. \uc815\ubd80\uac00 \uc815\ucc45 \uc124\uacc4\uc790 \uc790\uccb4\uc758 \uc7ac\uc0b0 \uc0c1\ud669\uc744 \uad00\ub9ac\ub300\uc0c1\uc73c\ub85c \uc0bc\ub294 \uac83\uc740 \uc774\ud574\ucda9\ub3cc \uc608\ubc29\uc758 \ud55c \ubc29\ubc95\uc774\ub2e4. \ub2e4\ub9cc \uad6c\uccb4\uc801 \uae30\uc900(\ubcf4\uc720 \uae30\uc900, \uc801\uc6a9 \ub300\uc0c1 \uc9c1\uae09, \uc870\uc0ac \uc808\ucc28 \ub4f1)\uc740 \ube0c\ub9ac\ud551\uc5d0\uc11c \uc544\uc9c1 \uc138\ubd80\uc801\uc73c\ub85c \uacf5\uac1c\ub418\uc9c0 \uc54a\uc558\ub2e4. \uacfc\uac70 \uc870\uce58\uc640 \ube44\uad50\ud558\uba74 \uc774\ubc88\uc5d0\ub294 \uc911\uc559\uc815\ubd80 \ucc28\uc6d0\uc5d0\uc11c \ubcf4\ub2e4 \ud3ec\uad04\uc801\uc778 \ub0b4\ubd80 \ud1b5\uc81c \uac15\ud654 \uc758\uc0ac\uac00 \ud45c\uba85\ub41c \uc148\uc774\ub2e4.<\/p>\n<h2>\uc8fc\uc694 \uc0ac\uac74<\/h2>\n<p>\ub300\ud1b5\ub839\uc740 \uc5d1\uc2a4(\uad6c \ud2b8\uc704\ud130) \uae00\uc5d0\uc11c \uc8fc\ud0dd\u00b7\ubd80\ub3d9\uc0b0 \uc815\ucc45\uc758 \uc124\uacc4\u00b7\ubcf4\uace0\u00b7\uacb0\uc7ac \ub2e8\uacc4\uc5d0\uc11c \ub2e4\uc8fc\ud0dd\uc790 \ub4f1 \uad00\ub828 \uc9d1\ub2e8\uc744 \ubc30\uc81c\ud558\ub77c\uace0 \uccad\uc640\ub300\uc640 \uac01 \ubd80\ucc98\uc5d0 \uc9c0\uc2dc\ud588\ub2e4\uace0 \ubc1d\ud614\ub2e4. \ubc1c\uc5b8 \uadfc\uac70\ub85c\ub294 \uc815\ucc45 \uc785\uc548 \uacfc\uc815\uc5d0\uc11c \uacf5\uc9c1\uc790\uc758 \uc774\ud574\uad00\uacc4\uac00 \uc815\ucc45 \uc124\uacc4\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc6b0\ub824\uac00 \uc788\ub2e4\ub294 \ud310\ub2e8\uc744 \uc81c\uc2dc\ud588\ub2e4. \ub300\ud1b5\ub839\uc740 \ub610\ud55c \u201c\ubd80\ub3d9\uc0b0\u00b7\uc8fc\ud0dd \uc815\ucc45\uc5d0\uc11c\ub294 \ub2e8 0.1%\uc758 \uacb0\ud568\uc774\ub098 \uad6c\uba4d\ub3c4 \uc788\uc5b4\uc11c\ub294 \uc548 \ub41c\ub2e4\u201d\uace0 \uac15\uc870\ud558\uba70 \uc5c4\uaca9\ud55c \uae30\uc900 \uc801\uc6a9 \uc758\uc9c0\ub97c \ubc1d\ud614\ub2e4.<\/p>\n<p>\uccad\uc640\ub300 \ud64d\ubcf4\uc18c\ud1b5\uc218\uc11d \uc774\uaddc\uc5f0\uc740 \ucd98\ucd94\uad00 \ube0c\ub9ac\ud551\uc5d0\uc11c \ub300\ud1b5\ub839 \uc758\uc9c0\uc758 \uc2e4\ud6a8\uc131\uc744 \ub192\uc774\uae30 \uc704\ud574 \ubd80\ub3d9\uc0b0 \uc815\ucc45 \ub2f4\ub2f9\uc790\uc758 \ubcf4\uc720 \ud604\ud669\uc744 \ud30c\uc545 \uc911\uc774\uba70, \uc870\uc0ac \uacb0\uacfc\uc5d0 \ub530\ub77c \uad00\ub828 \uc5c5\ubb34 \ubc30\uc81c \uc870\uce58\ub97c \uc2dc\ud589\ud558\uaca0\ub2e4\uace0 \uc124\uba85\ud588\ub2e4. \uc774 \uc218\uc11d\uc740 \ub300\ud1b5\ub839\uc774 \ub2e4\uc8fc\ud0dd\uc790\ub4e4\uc5d0\uac8c \ucc98\ubd84\uc744 \uc720\ub3c4\ud558\ub294 \uc815\ucc45 \uc218\ub2e8\uc744 \ub9c8\ub828\ud558\uaca0\ub2e4\ub294 \uae30\uc874 \uc785\uc7a5\uc744 \uc790\uc8fc \ubc1d\ud600\uc654\uc74c\uc744 \uc7ac\ud655\uc778\ud588\ub2e4. \uc9c0\uc2dc\ub294 \uc774\ubbf8 \uac01 \ubd80\ucc98\uc5d0 \uc804\ub2ec\ub41c \uac83\uc73c\ub85c \uc54c\ub824\uc84c\ub2e4.<\/p>\n<p>\ub300\ud1b5\ub839\uc740 \ub610 \uc0ac\uc5c5\uc790 \ub300\ucd9c\uc744 \ud1b5\ud55c \uc8fc\ud0dd \ub9e4\uc785(\uc774\ub978\ubc14 \u2018\uaf3c\uc218 \ub300\ucd9c\u2019) \uc0ac\ub840\ub97c \ubb38\uc81c \uc0bc\uc73c\uba70 \uad6d\uc138\uccad\uc758 \uc804\uc218 \uac80\uc99d \uc0ac\ub840\ub97c \uacf5\uc720\ud588\ub2e4. \ub300\ud1b5\ub839\uc740 \uad00\ub828 \uc0ac\uc548\uc758 \ud615\uc0ac\u00b7\uc138\ubb34\uc801 \ucc45\uc784\uacfc \uc790\ubc1c\uc801 \ucc98\ubd84\uc758 \ud569\ub9ac\uc131 \ucc28\uc774\ub97c \uc9c0\uc801\ud558\uba70 \uc120\uc81c\uc801 \ub300\uc751\uc744 \ucd09\uad6c\ud588\ub2e4. \uc774\uac19\uc740 \ubc1c\uc5b8\uc740 \ud5a5\ud6c4 \uae08\uc735\u00b7\uc138\uc81c\u00b7\ud589\uc815\uc801 \ubcf4\uc644 \uc870\uce58\uc758 \uadfc\uac70\ub85c \ud65c\uc6a9\ub420 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4.<\/p>\n<h2>\ubd84\uc11d \ubc0f \uc758\ubbf8<\/h2>\n<p>\uccab\uc9f8, \uc774\ubc88 \uc9c0\uc2dc\ub294 \uc815\ucc45\uc758 \ub3c4\ub355\uc801 \uc815\ub2f9\uc131\uacfc \uc2e0\ub8b0\uc131 \ud68c\ubcf5\uc744 \uaca8\ub0e5\ud55c \ud589\uc815\uc801 \uc2e0\ud638\ub2e4. \uacf5\uc9c1\uc790\uc758 \uac1c\uc778\uc801 \uc774\ud574\uad00\uacc4\uac00 \uc815\ucc45 \uacb0\uacfc\uc5d0 \uc601\ud5a5\uc744 \uc904 \uac00\ub2a5\uc131\uc744 \ucc28\ub2e8\ud568\uc73c\ub85c\uc368 \uc815\ucc45 \uc218\uc6a9\uc131\uc744 \ub192\uc774\ub824\ub294 \ubaa9\uc801\uc774 \uba85\ud655\ud558\ub2e4. \ub2e4\ub9cc \uc2e4\ubb34\uc801 \uc801\uc6a9\uacfc\uc815\uc5d0\uc11c \uc9c1\uae09\ubcc4\u00b7\ubcf4\uc720 \uae30\uc900\ubcc4 \ud615\ud3c9\uc131\uc744 \uc5b4\ub5bb\uac8c \ud655\ubcf4\ud560\uc9c0\uac00 \uad00\uac74\uc774\ub2e4.<\/p>\n<p>\ub458\uc9f8, \ub0b4\ubd80 \ud1b5\uc81c \uac15\ud654\ub294 \uc815\ucc45 \uc9d1\ud589\uc758 \uc2e4\ud6a8\uc131\uc5d0\ub3c4 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\ub2e4. \ub9cc\uc57d \uace0\uc704 \uc815\ucc45\ub2f4\ub2f9\uc790\ub97c \ub178\ub3d9\ub825\u00b7\uc804\ubb38\uc131 \uce21\uba74\uc5d0\uc11c \ubc30\uc81c\ud55c\ub2e4\uba74 \ub2e8\uae30\uc801\uc73c\ub85c \uc778\ub825 \uacf5\ubc31\uc774\ub098 \uc804\ubb38\uc131 \uc800\ud558 \uc6b0\ub824\uac00 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub2e4. \ubc18\ub300\ub85c \uc774\ud574\ucda9\ub3cc \uc6b0\ub824\uac00 \ud070 \uc778\uc0ac\uac00 \ubc30\uc81c\ub3fc \uc815\ucc45 \uc2e0\ub8b0\uac00 \ub192\uc544\uc9c4\ub2e4\uba74 \uc911\uc7a5\uae30\uc801 \uc815\ub2f9\uc131 \ud655\ubcf4\uc5d0\ub294 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc14b\uc9f8, \uc774\ubc88 \uc870\uce58\ub294 \uae08\uc735\u00b7\uc138\uc81c\u00b7\uc778\uc0ac \ub4f1 \ub2e4\ubd84\uc57c \uc5f0\uacc4 \uc815\ucc45\uc758 \uc804\ubc18\uc801 \uc7ac\uac80\ud1a0\ub85c \uc774\uc5b4\uc9c8 \uac00\ub2a5\uc131\uc774 \ud06c\ub2e4. \ub300\ud1b5\ub839 \ubc1c\uc5b8\uc740 \ub2e8\uc21c \uc778\uc0ac \uc870\uce58\uc5d0 \uadf8\uce58\uc9c0 \uc54a\uace0 \ud22c\uae30 \uc218\ub2e8 \ucc28\ub2e8\uacfc \ucc98\ubd84 \uc720\ub3c4 \ub4f1 \uc2e4\uc9c8\uc801 \uaddc\uc81c\u00b7\uc720\uc778\ucc45\uc744 \ubcd1\ud589\ud560 \ub73b\uc744 \ub0b4\ube44\uce58\uace0 \uc788\ub2e4. \uc774\uc5d0 \ub530\ub77c \ubd80\ub3d9\uc0b0 \uc2dc\uc7a5\uacfc \uad00\ub828\ub41c \uae08\uc735\uc0c1\ud488 \uaddc\uc81c, \uc138\uc81c \uac1c\ud3b8, \uacf5\uc9c1\uc790 \ud589\ub3d9\uac15\ub839 \uac15\ud654 \ub4f1\uc758 \ud6c4\uc18d \uc870\uce58\uac00 \uc608\uc0c1\ub41c\ub2e4.<\/p>\n<p>\ub137\uc9f8, \uc815\uce58\uc801 \ud30c\uc7a5\ub3c4 \ubd88\uac00\ud53c\ud558\ub2e4. \uaddc\uc81c \ub300\uc0c1 \ubc94\uc704\uc640 \uc801\uc6a9 \ubc29\uc2dd\uc5d0 \ub530\ub77c \uc5ec\ub860\uacfc \uc774\ud574\ub2f9\uc0ac\uc790 \ubc18\uc751\uc774 \uc5c7\uac08\ub9b4 \uc218 \uc788\uc5b4, \uc815\ubd80\ub294 \ubc95\uc801\u00b7\uc808\ucc28\uc801 \uc815\ub2f9\uc131\uc744 \ud655\ubcf4\ud574\uc57c \ud55c\ub2e4. \ud2b9\ud788 \u2018\ubc30\uc81c\u2019 \uc870\uce58\uc758 \ubc95\uc801 \uadfc\uac70\uc640 \uc778\uc0ac \uad8c\ud55c \ud589\uc0ac \uae30\uc900\uc744 \uba85\ud655\ud788 \uc81c\uc2dc\ud558\uc9c0 \uc54a\uc744 \uacbd\uc6b0 \ubc18\ubc1c\uc774 \ucee4\uc9c8 \uc18c\uc9c0\uac00 \uc788\ub2e4.<\/p>\n<h2>\ube44\uad50 \ubc0f \ub370\uc774\ud130<\/h2>\n<figure>\n<table>\n<thead>\n<tr>\n<th>\uc5f0\ub3c4<\/th>\n<th>\uc0ac\uac74\u00b7\uc870\uce58<\/th>\n<th>\ud2b9\uc9d5<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2020<\/td>\n<td>LH \ud22c\uae30 \uc758\ud639<\/td>\n<td>\uacf5\uc9c1\uc790\u00b7\uacf5\uc0ac \uc784\uc9c1\uc6d0 \ud22c\uae30 \uc758\ud639\uc73c\ub85c \uc778\uc0ac\u00b7\uc81c\ub3c4 \uac1c\uc120 \uc555\ubc15<\/td>\n<\/tr>\n<tr>\n<td>2026(3\uc6d4)<\/td>\n<td>\ub300\ud1b5\ub839 \uc9c0\uc2dc(\ub2e4\uc8fc\ud0dd\uc790 \ubc30\uc81c)<\/td>\n<td>\uc815\ucc45 \uc124\uacc4 \ub77c\uc778\uc5d0\uc11c \ub2e4\uc8fc\ud0dd\uc790 \ub4f1 \ubc30\uc81c \uc9c0\uc2dc, \ubcf4\uc720\ud604\ud669 \uc870\uc0ac \uc608\uc815<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>\uc704 \ube44\uad50\ub294 \uacfc\uac70 \uacf5\uc9c1\uc790 \ud22c\uae30 \uc758\ud639(2020)\uacfc \uc774\ubc88 \ub300\ud1b5\ub839 \uc9c0\uc2dc(2026)\uc758 \uc81c\ub3c4\u00b7\uc815\ucc45\uc801 \ub9e5\ub77d\uc744 \uac04\ub2e8\ud788 \ub300\ube44\ud55c \uac83\uc774\ub2e4. 2020\ub144 \uc0ac\ud0dc\ub294 \uacf5\uacf5\uae30\uad00 \ub0b4\ubd80\uc790\uc758 \ubd88\ubc95\u00b7\ube44\uc704 \ud589\uc704\uc5d0 \ub300\ud55c \uc0ac\ud68c\uc801 \ubd84\ub178\uac00 \uc911\uc2ec\uc774\uc5c8\ub2e4\uba74, 2026\ub144 \uc870\uce58\ub294 \uc815\ucc45\uacb0\uc815 \uacfc\uc815\uc758 \uc774\ud574\ucda9\ub3cc \uc608\ubc29\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uace0 \uc788\ub2e4.<\/p>\n<h2>\ubc18\uc751 \ubc0f \uc778\uc6a9<\/h2>\n<p>\uccad\uc640\ub300 \uad00\uacc4\uc790\ub294 \ub300\ud1b5\ub839\uc758 \uc9c0\uc2dc\uac00 \uc815\ucc45 \uc124\uacc4\uc758 \ud22c\uba85\uc131\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud55c \uc2e4\ucc9c\uc801 \uc870\uce58\uc784\uc744 \uac15\uc870\ud588\ub2e4. \uc774\uc5b4 \ub2f9\uad6d\uc740 \uc5c5\ubb34 \ubc30\uc81c \ub4f1 \ud6c4\uc18d\uc870\uce58\ub97c \uc704\ud55c \ub0b4\ubd80 \uc870\uc0ac\ub97c \ubcd1\ud589\ud560 \uacc4\ud68d\uc774\ub77c\uace0 \ubc1d\ud614\ub2e4.<\/p>\n<blockquote>\n<p>\u201c\uc880 \ub354 \uac15\ud558\uac8c \ubd80\ub3d9\uc0b0\u00b7\uc8fc\ud0dd \uc815\ucc45\uc744 \uc124\uacc4\ud558\uaca0\ub2e4\ub294 \ub300\ud1b5\ub839\uc758 \uc758\uc9c0\ub97c \ubcf4\uc5ec\uc92c\ub2e4\uace0 \ubcfc \uc218 \uc788\ub2e4.\u201d<\/p>\n<p><cite>\uc774\uaddc\uc5f0 \uccad\uc640\ub300 \ud64d\ubcf4\uc18c\ud1b5\uc218\uc11d(\ucd98\ucd94\uad00 \ube0c\ub9ac\ud551)<\/cite><\/p><\/blockquote>\n<p>\uc774 \ubc1c\uc5b8\uc740 \ub300\ud1b5\ub839\uc758 \uc9c0\uc2dc\uac00 \ub2e8\uc21c \uc120\uc5b8\uc774 \uc544\ub2c8\ub77c \uc9d1\ud589 \uc758\uc9c0\uac00 \ub2f4\uae34 \uac83\uc784\uc744 \uc124\uba85\ud558\ub294 \ubb38\ub9e5\uc5d0\uc11c \ub098\uc628 \uac83\uc774\ub2e4. \uccad\uc640\ub300\ub294 \uad00\ub828 \ub2f4\ub2f9\uc790 \ubcf4\uc720\ud604\ud669\uc744 \uc870\uc0ac\ud574 \ud544\uc694\uc2dc \uc5c5\ubb34 \ubc30\uc81c\ub97c \uc2dc\ud589\ud558\uaca0\ub2e4\uace0 \ub367\ubd99\uc600\ub2e4.<\/p>\n<blockquote>\n<p>\u201c\ubd80\ub3d9\uc0b0\u00b7\uc8fc\ud0dd \uc815\ucc45\uc5d0\uc11c\ub294 \ub2e8 0.1%\uc758 \uacb0\ud568\uc774\ub098 \uad6c\uba4d\ub3c4 \uc788\uc5b4\uc11c\ub294 \uc548 \ub41c\ub2e4.\u201d<\/p>\n<p><cite>\uc774\uc7ac\uba85 \ub300\ud1b5\ub839(\uc5d1\uc2a4 \uac8c\uc2dc\uae00)<\/cite><\/p><\/blockquote>\n<p>\ub300\ud1b5\ub839\uc758 \uc9c1\uc811\uc801 \ud45c\ud604\uc740 \uc815\ucc45\uc758 \uc644\uc804\uc131\uc744 \uac15\uc870\ud558\ub294 \ubaa9\uc801\uc131\uc744 \ub4dc\ub7ec\ub0b8\ub2e4. \ub2e4\ub9cc \uc774 \ubb38\uad6c\ub294 \ud5a5\ud6c4 \uc801\uc6a9 \uae30\uc900\uacfc \uc9d1\ud589 \ubc94\uc704\ub97c \ub450\uace0 \ubc95\uc801\u00b7\uc0ac\ud68c\uc801 \ub17c\uc7c1\uc744 \ucd09\ubc1c\ud560 \uc5ec\uc9c0\ub3c4 \uc788\ub2e4.<\/p>\n<blockquote>\n<p>\u201c\uc0ac\uae30\uc8c4 \ud615\uc0ac\ucc98\ubc8c\uc5d0 \uad6d\uc138\uccad \uc138\ubb34\uc870\uc0ac\uae4c\uc9c0 \ubc1b\uace0 \uac15\uc81c \ub300\ucd9c \ud68c\uc218\ub2f9\ud558\ub294 \uac83\uacfc \uc120\uc81c\uc801\uc73c\ub85c \uc790\ubc1c \uc0c1\ud658\ud558\ub294 \uac83 \uc911 \uc5b4\ub5a4 \uc120\ud0dd\uc774 \ub354 \ud569\ub9ac\uc801\uc77c\uc9c0\ub294 \ubd84\uba85\ud558\ub2e4.\u201d<\/p>\n<p><cite>\uc774\uc7ac\uba85 \ub300\ud1b5\ub839(\uc5d1\uc2a4 \uac8c\uc2dc\uae00, \uaf3c\uc218 \ub300\ucd9c \uad00\ub828)<\/cite><\/p><\/blockquote>\n<h2>\n<aside>\n<details>\n<summary>\uc6a9\uc5b4\/\ubc29\ubc95\ub860<\/summary>\n<p>\ub2e4\uc8fc\ud0dd\uc790: \uc77c\ubc18\uc801\uc73c\ub85c 2\uc8fc\ud0dd \uc774\uc0c1\uc744 \ubcf4\uc720\ud55c \uc0ac\ub78c\uc744 \uc77c\uceeb\uc9c0\ub9cc \uc815\ucc45\u00b7\ubc95\uc801 \ub9e5\ub77d\uc5d0\uc11c\ub294 \uc801\uc6a9 \uae30\uc900\uc774 \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4. \uc774\ud574\ucda9\ub3cc: \uacf5\uc9c1\uc790\uc758 \uac1c\uc778\uc801 \uc774\uc775\uc774 \uacf5\uc801 \uc758\ubb34\uc640 \ucda9\ub3cc\ud574 \uacf5\uc815\ud55c \uc9c1\ubb34\uc218\ud589\uc744 \uc800\ud574\ud558\ub294 \uc0c1\ud669\uc744 \ub9d0\ud55c\ub2e4. \ube44\uac70\uc8fc \uace0\uac00 \uc8fc\ud0dd: \uc18c\uc720\uc790\uac00 \uc2e4\uc81c \uac70\uc8fc\ud558\uc9c0 \uc54a\ub294 \uace0\uac00(\u9ad8\u50f9) \uc8fc\ud0dd\uc744 \uc758\ubbf8\ud558\uba70 \uacfc\uc138\u00b7\uaddc\uc81c \ub300\uc0c1\uc774 \ub420 \uc218 \uc788\ub2e4. \uc5c5\ubb34 \ubc30\uc81c: \ud2b9\uc815 \uc5c5\ubb34\uc5d0\uc11c \ud574\ub2f9 \uacf5\uc9c1\uc790\ub97c \uc81c\uc678\ud558\ub294 \uc870\uce58\ub85c, \uc778\uc0ac\u00b7\uac10\uc0ac\u00b7\ubc95\uc801 \uc808\ucc28\ub97c \ud1b5\ud574 \uc2dc\ud589\ub420 \uc218 \uc788\ub2e4. \ubcf8 \uae30\uc0ac\uc5d0\uc11c \uc81c\uc2dc\ud55c \uc870\uc0ac\u00b7\ubc30\uc81c \ubc29\uc2dd\uc740 \uccad\uc640\ub300 \ubc1c\ud45c\uc640 \ube0c\ub9ac\ud551\uc744 \uadfc\uac70\ub85c \uc694\uc57d\ud55c \uac83\uc73c\ub85c, \uad6c\uccb4\uc801 \uc808\ucc28\ub294 \ucd94\ud6c4 \uacf5\uac1c\ub420 \uc608\uc815\uc774\ub2e4.<\/p>\n<\/details>\n<\/aside>\n<\/h2>\n<h2>\ubd88\ud655\uc2e4\ud55c \ubd80\ubd84<\/h2>\n<ul>\n<li>\ubc30\uc81c\uc758 \ubc94\uc704(\uc5b4\ub5a4 \uc9c1\uae09\u00b7\uc9c1\ucc45\uc5d0 \uc801\uc6a9\ub420\uc9c0)\uc640 \uad6c\uccb4\uc801 \uae30\uc900\uc740 \uc544\uc9c1 \uacf5\uac1c\ub418\uc9c0 \uc54a\uc558\ub2e4.<\/li>\n<li>\u2018\uacfc\ub2e4\ubcf4\uc720\u2019\uc758 \uc815\uc758\ub098 \uc790\uc0b0 \uae30\uc900(\uae08\uc561\u00b7\uc8fc\ud0dd \uc218 \ub4f1)\uc740 \ud655\uc815\ub418\uc9c0 \uc54a\uc558\ub2e4.<\/li>\n<li>\uc870\uc0ac \ubc29\uc2dd\uacfc \uac1c\uc778\uc815\ubcf4\u00b7\uc7ac\uc0b0 \uacf5\uac1c \ubc94\uc704, \ubc95\uc801 \uadfc\uac70\uc5d0 \ub300\ud55c \uc138\ubd80 \uc808\ucc28\ub294 \ubbf8\ud655\uc778 \uc0c1\ud0dc\ub2e4.<\/li>\n<li>\uc5c5\ubb34 \ubc30\uc81c\uac00 \uc2dc\ud589\ub420 \uacbd\uc6b0\uc758 \ubc95\uc801 \uc774\uc758\uc81c\uae30 \uac00\ub2a5\uc131\uacfc \uc608\uc0c1\ub418\ub294 \ud589\uc815\uc808\ucc28\ub294 \ubd88\ud22c\uba85\ud558\ub2e4.<\/li>\n<\/ul>\n<h2>\ucd1d\ud3c9<\/h2>\n<p>\uc774\ubc88 \uc9c0\uc2dc\ub294 \uc815\ubd80\uac00 \ubd80\ub3d9\uc0b0 \uc815\ucc45\uc758 \ub3c4\ub355\uc801 \uc815\ud569\uc131\uacfc \uc815\ucc45 \uc2e0\ub8b0 \ud68c\ubcf5\uc744 \uc6b0\uc120 \uacfc\uc81c\ub85c \uc0bc\uace0 \uc788\uc74c\uc744 \ubd84\uba85\ud788 \ubcf4\uc5ec\uc900\ub2e4. \uacf5\uc9c1\uc790\uc758 \uc774\ud574\ucda9\ub3cc\uc744 \uc0ac\uc804\uc5d0 \ucc28\ub2e8\ud558\ub824\ub294 \uc758\ub3c4\ub294 \uc815\ucc45 \uc218\uc6a9\uc131 \uc81c\uace0 \uce21\uba74\uc5d0\uc11c \uc758\ubbf8\uac00 \uc788\uc73c\ub098, \uc2e4\ubb34\uc801 \uc801\uc6a9\uacfc\uc815\uc5d0\uc11c \ubc95\uc801\u00b7\uc81c\ub3c4\uc801 \uc815\uad50\ud654\uac00 \ud544\uc694\ud558\ub2e4.<\/p>\n<p>\ud5a5\ud6c4 \ud575\uc2ec \uad00\uac74\uc740 \uc801\uc6a9 \ubc94\uc704\uc640 \uc808\ucc28\uc758 \ud22c\uba85\uc131 \ud655\ubcf4\ub2e4. \uc815\ubd80\uac00 \uc870\uc0ac\u00b7\ubc30\uc81c \uae30\uc900\uc744 \uba85\ud655\ud788 \uc81c\uc2dc\ud558\uace0 \ubc95\uc801 \uadfc\uac70\ub97c \uac16\ucd98 \uc808\ucc28\ub97c \ub9c8\ub828\ud558\uc9c0 \ubabb\ud558\uba74, \ubc18\ubc1c\uacfc \ubc95\uc801 \ubd84\uc7c1\uc73c\ub85c \uc815\ucc45 \ub3d9\ub825\uc774 \uc57d\ud654\ub420 \uc218 \uc788\ub2e4. \ubc18\uba74 \uc801\ubc95\uc131\uacfc \ud615\ud3c9\uc131\uc744 \uac16\ucd98 \uc2e4\ud589\uc774 \uc774\ub904\uc9c4\ub2e4\uba74 \ubd80\ub3d9\uc0b0 \uc815\ucc45 \uc804\ubc18\uc758 \uc2e0\ub8b0\uc131 \ud68c\ubcf5\uc5d0 \uae30\uc5ec\ud560 \uc5ec\uc9c0\uac00 \ud06c\ub2e4.<\/p>\n<h2>\ucd9c\ucc98<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.khan.co.kr\/article\/202603222009005\" target=\"_blank\" rel=\"noopener\">\uacbd\ud5a5\uc2e0\ubb38(\uc5b8\ub860) &#8211; \ud574\ub2f9 \uae30\uc0ac \uc6d0\ubb38<\/a><\/li>\n<\/ul>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>\ud575\uc2ec \uc694\uc57d \uc774\uc7ac\uba85 \ub300\ud1b5\ub839\uc740 3\uc6d4 22\uc77c \uc5d1\uc2a4(X)\ub97c \ud1b5\ud574 \uc8fc\ud0dd\u00b7\ubd80\ub3d9\uc0b0 \uc815\ucc45\uc758 \ub17c\uc758\u00b7\uc785\uc548\u00b7\ubcf4\uace0\u00b7\uacb0\uc7ac \uacfc\uc815\uc5d0\uc11c \ub2e4\uc8fc\ud0dd\uc790, \ube44\uac70\uc8fc \uace0\uac00 \uc8fc\ud0dd \uc18c\uc720\uc790 \ub4f1 \ubd80\ub3d9\uc0b0 \uacfc\ub2e4\ubcf4\uc720\uc790\ub97c \ubc30\uc81c\ud558\ub3c4\ub85d \uc9c0\uc2dc\ud588\ub2e4\uace0 \ubc1d\ud614\ub2e4. \uc774\ub294 \uc815\ucc45 \uacb0\uc815 \uacfc\uc815\uc5d0\uc11c \uacf5\uc9c1\uc790\uc758 \uc774\ud574\ucda9\ub3cc\uc744 \uc6d0\ucc9c \ucc28\ub2e8\ud558\ub824\ub294 \uc758\uc9c0\ub85c \ud574\uc11d\ub41c\ub2e4. \uccad\uc640\ub300\ub294 \uad00\ub828 \ubcf4\uc720 \ud604\ud669\uc744 \uc870\uc0ac\ud574 \ud544\uc694\ud55c \uacbd\uc6b0 \uc815\ucc45 \ub2f4\ub2f9\uc790\uc758 \uc5c5\ubb34 \ubc30\uc81c\ub97c \uc2dc\ud589\ud558\uaca0\ub2e4\uace0 \ubc1d\ud614\ub2e4. \ub300\ud1b5\ub839\uc740 \uc8fc\ud0dd \uc815\ucc45\uc758 \uc791\uc740 \ud5c8\uc810\ub3c4 \uc6a9\ub0a9\ud558\uc9c0 \uc54a\uaca0\ub2e4\ub294 \uc785\uc7a5\uc744 \uc7ac\ud655\uc778\ud588\ub2e4. &#8230; <a title=\"\uc774 \ub300\ud1b5\ub839 \u201c\ub2e4\uc8fc\ud0dd\u00b7\ubd80\ub3d9\uc0b0 \uacfc\ub2e4\ubcf4\uc720\uc790, \ubd80\ub3d9\uc0b0 \uc815\ucc45\uc11c \ubc30\uc81c\u201d &#8211; \uacbd\ud5a5\uc2e0\ubb38\" class=\"read-more\" href=\"https:\/\/readtrends.com\/ko\/multi-homeowners-exclusion\/\" aria-label=\"\uc774 \ub300\ud1b5\ub839 \u201c\ub2e4\uc8fc\ud0dd\u00b7\ubd80\ub3d9\uc0b0 \uacfc\ub2e4\ubcf4\uc720\uc790, \ubd80\ub3d9\uc0b0 \uc815\ucc45\uc11c \ubc30\uc81c\u201d &#8211; \uacbd\ud5a5\uc2e0\ubb38\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":10609,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_title":"\uc774 \ub300\ud1b5\ub839, \ub2e4\uc8fc\ud0dd\u00b7\uacfc\ub2e4\ubcf4\uc720\uc790 \ubd80\ub3d9\uc0b0 \uc815\ucc45 \ubc30\uc81c \uc9c0\uc2dc \u2014 \ub514\uc9c0\ud138\ub274\uc2a4","rank_math_description":"\uc774\uc7ac\uba85 \ub300\ud1b5\ub839\uc774 3\uc6d4 22\uc77c \uc8fc\ud0dd\u00b7\ubd80\ub3d9\uc0b0 \uc815\ucc45 \uc124\uacc4 \uacfc\uc815\uc5d0\uc11c \ub2e4\uc8fc\ud0dd\uc790\u00b7\ube44\uac70\uc8fc \uace0\uac00 \uc8fc\ud0dd \ubcf4\uc720\uc790 \ub4f1\uc744 \ubc30\uc81c\ud558\ub77c\uace0 \uc9c0\uc2dc\ud588\ub2e4. \uccad\uc640\ub300\ub294 \ub2f4\ub2f9\uc790 \ubcf4\uc720 \ud604\ud669\uc744 \uc870\uc0ac\ud574 \uc5c5\ubb34 \ubc30\uc81c \uc870\uce58\ub97c \uc2dc\ud589\ud560 \uacc4\ud68d\uc774\ub2e4.","rank_math_focus_keyword":"\ub2e4\uc8fc\ud0dd\uc790,\ubd80\ub3d9\uc0b0 \uc815\ucc45,\uc774\ud574\ucda9\ub3cc,\uc774\uc7ac\uba85,\uc8fc\ud0dd\uc815\ucc45","footnotes":""},"categories":[2],"tags":[],"class_list":["post-10616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"_links":{"self":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/10616","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/comments?post=10616"}],"version-history":[{"count":0,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/10616\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media\/10609"}],"wp:attachment":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media?parent=10616"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/categories?post=10616"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/tags?post=10616"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}