Traditional Culture Encyclopedia - Traditional festivals - What kind of insurance does family property insurance belong to?
What kind of insurance does family property insurance belong to?
After understanding the definition and classification of family property insurance, let's understand the scope of family property insurance. Insurable property includes self-owned residential houses, interior decoration, decoration and ancillary facilities, and indoor family property. Unprotectable property can be divided into several categories: first, property with too high or incalculable value, such as gold and silver, jewelry, antiques, currency, ancient books, calligraphy and painting, etc. Secondly, it belongs to intangible assets and other categories, such as currency, savings passbook, securities, tickets, documents, charts, technical data, etc., and does not belong to actual material property; There are also illegal buildings, dangerous houses, and other properties in a dangerous state, which are not covered by family property insurance because of illegal or high insurance risks; In addition, motor vehicles such as motorcycles, tractors or cars, wireless communication equipment such as pagers and mobile phones, and poultry and livestock are not included, because these properties are too mobile for insurance companies to confirm the transfer of property; In addition, there are food, tobacco and alcohol, medicines, cosmetics, flowers, birds, fish and insects, bonsai trees and so on. It is impossible to insure because it is difficult to determine the value, although the value itself will change greatly over time.
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