"A lot of doors and windows around the Tianjin explosion accident were completely destroyed and property was damaged. It was necessary to make great efforts to renovate before they could stay. The loss of family property was quite serious." An industry insider said that compared with auto insurance and corporate insurance. Other types of insurance, family property insurance has not been valued by the public.
The insiders believe that the reason why family property insurance has not been valued is that there are several main reasons: First, once the insurance is out of danger, the insured’s claim for proof is relatively difficult; second, most of the property insurance products themselves have certain limitations. Some valuables such as jewellery, calligraphy and paintings require a higher level of review and appraisal. Usually, many products cannot insure these valuables, which also hinders the development of this type of insurance.
Household property insurance is generally a comprehensive insurance, which mainly covers the loss of the underwriting target caused by fire, explosion, common natural disasters and falling objects. The underwriting target refers to the object of insured property, generally including houses and ancillary equipment, indoor property, etc.
The interview learned that the “home insurance†products launched by insurance companies basically include the main insurance and the attachment insurance. The main insurance includes housing and ancillary facilities, house decoration and indoor property, while the additional insurance includes indoor property theft insurance. Electricity safety insurance, water pipe rupture insurance, home liability insurance, employment liability insurance, and housekeeping insurance.
Personalized needs promote changes in coverage
Ping An Property and Casualty Industry insiders told reporters that with the accumulation of family wealth, such insurance products have been difficult to meet the needs of high-end families. In order to meet the various personal needs of the citizens, the coverage of some insurance companies began to change.
For example, with the popularity of electronic products, Home Insurance also included electronic products such as digital cameras, smart phones, and notebook computers into insurance coverage. In the past, gold and silver jewellery, antique calligraphy and calligraphy, and securities of the public were difficult to determine due to actual value and were not included in the insurance coverage. In the past two years, there have also been a few insurance companies that have taken the high-end route to expand this business through professional appraisers and special terms. In addition, even the family pet liability insurance also enters the family property insurance in the form of additional insurance. The insured can choose the corresponding additional insurance for insurance according to the actual situation.
In addition, insurance companies have launched a comprehensive family of insurance products for medium and high-end users. According to its terms, the insurance coverage for houses and their indoor auxiliary equipment can reach up to 5 million yuan. If other various additional insurance clauses are included, the total premium for one year is about 2,000 yuan.
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How much do you know about your property?
“Home Property Insurance†is the abbreviation of Family Property Insurance, which mainly covers the loss of insurance coverage caused by fire, explosion, common natural disasters and falling objects. The underwriting target refers to the object of insured property, generally including houses and ancillary equipment, indoor property, etc. According to the different needs of the insured, the family property insurance can be divided into ordinary family property insurance (the insurance period is one year), and the family property insurance is repaid regularly (the insurance period is divided into one-year, three-year and five-year periods) . The amount of insurance is determined by the insured based on the actual value of the insured property.
Generally speaking, consumers purchase different family property insurance portfolios, and the specific insurance types involved are different, and their premiums and insurance premiums are different.
Insurance experts suggest that the public should pay according to the specific circumstances of each family's purchasing power, decoration level, etc. "First of all, do not blindly focus on the amount of insurance, premiums, not high insurance premiums, it is necessary to purchase according to the actual situation of their families, The annual premium is more reasonable within 1,000 yuan, and the high-end crowd can be considered at around 2,000 yuan."
In addition, family property insurance, like other types of insurance, has some exemptions. Common exemptions include war, nuclear radiation, illegal acts, earthquakes, etc., and accidents due to the quality of the subject matter are not insurance liability. These specific terms Subject to the policy agreement.
"When buying, you must pay attention to the scope of protection and exemption from liability. Because property insurance is a non-form contract, its responsibility is to set out the responsibility. The unspecified and agreed-upon is generally not covered by the insurance."
According to the payment principle implemented by the insurance company, if the actual loss of the property exceeds the insurance amount, it can only be compensated at the maximum amount of the insurance; but if the actual loss is less than the insurance amount, the compensation will be based on the actual loss, and the public should The corresponding contract terms should be clarified.
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