What are the types of home contents insurance

1. General home insurance

General home insurance is a general type of home insurance that insurers offer specifically for urban and rural residents. It used to be the only type of insurance offered by insurers to urban and rural households, but now it has become one of the main types of home insurance, and all other types of home insurance are basically businesses derived from the general home insurance. Thus, general home insurance has a foundational status.

2. Regular capital repayment homeowners insurance

Regular capital repayment homeowners insurance, also known as homeowners insurance, is a dual nature of homeowners insurance and capital repayment homeowners insurance business, which is based on ordinary homeowners insurance and another more popular type of homeowners insurance. It is another type of home insurance that is more popular among insurance customers based on the general home insurance. Periodic capital repayment home insurance is characterized by interest offsetting insurance premiums, periodic capital repayment and diversified insurance periods.

3. Residential and Household Property Insurance

Residential and Household Property Insurance is a special type of home insurance for residential households. It consists of a primary insurance policy and three additional policies, which are divided into fire insurance, comprehensive disaster insurance and earthquake insurance. The insurer pays all or part of the insurance benefits when the insured's home and its contents are damaged as a result of a catastrophic accident within the scope of coverage. In addition, the insurer covers the following expenses: if a member of the insured's family suffers bodily injury while trying to save the insured's property, the insurer will be responsible for paying the insurance premium according to the terms of the insurance policy; and if the home becomes uninhabitable as a result of the catastrophic accident, the insurer will subsidize the insured's family's boarding costs according to actual needs. These two types of expense coverage are beyond the scope of traditional home insurance, but can meet the objective needs of insurance customers. Additional coverage for dwelling and home contents insurance includes: additional theft coverage, additional dwelling liability coverage, and additional home rent coverage.

4. Anju Comprehensive Insurance

Anju Comprehensive Insurance is a kind of family property insurance for urban and rural residents' families or individuals, which is characterized by a combination of types of insurance, and insurance customers can choose according to their own needs.

5. Group home insurance

Group home insurance is a home insurance business that takes the group as the insuring unit and the employees of the group as the insured and covers their family properties. It is a form of insurance that has been implemented to meet the needs of enterprises, institutions and other legal entities to unify home insurance and additional theft insurance for their employees.

6. Home insurance additional theft insurance

The so-called additional theft insurance, refers to the home insurance on the basis of the main insurance specifically to the insured may encounter the risk of theft for the underwriting responsibility and by the insurer to bear the loss of stolen property of an additional type of insurance, it can not be as a stand-alone business underwriting, but because of the theft of family property facing the main risks, but also become the majority of the family when the insurance Although it cannot be underwritten as a stand-alone business, it has become the insurance of choice for most families because theft is a major risk to household property. Therefore, additional theft insurance in the home insurance has an important position.