What does family property insurance cover?

It is the basic insurance for urban and rural families. It covers all kinds of property and materials stored by urban and rural residents in a relatively static state within a fixed address range. Houses owned by the insured and their ancillary equipment, furniture, household appliances, non-motor vehicles and other means of subsistence, as well as farm tools and tools of rural residents, harvested agricultural and sideline products and business utensils, tools, raw materials and commodities of individual workers, can be insured for family property insurance. The above-mentioned property specially agreed between the insured and the insurer, and stated in the insurance policy that it belongs to the custody and management of the insured, also belongs to the scope of insured property. However, the following properties are generally excluded: first, gold and silver, jewelry, jewelry, currency, negotiable securities, tickets, stamps, antiques, calligraphy and painting, documents, account books, technical materials, charts, livestock, flowers, trees, fish, birds, bonsai and other priceless properties; The second is the property in an emergency state.

Ordinary family property insurance is the basic insurance for urban and rural households. It covers all kinds of property and materials stored by urban and rural residents in a relatively static state within a fixed address range. Houses owned by the insured and their ancillary equipment, furniture, household appliances, non-motor vehicles and other means of subsistence, as well as farm tools and tools of rural residents, harvested agricultural and sideline products and business utensils, tools, raw materials and commodities of individual workers, can be insured for family property insurance. The above-mentioned property specially agreed between the insured and the insurer, and stated in the insurance policy that it belongs to the custody and management of the insured, also belongs to the scope of insured property. However, the following properties are generally excluded: first, gold and silver, jewelry, jewelry, currency, negotiable securities, tickets, stamps, antiques, calligraphy and painting, documents, account books, technical materials, charts, livestock, flowers, trees, fish, birds, bonsai and other priceless properties; The second is the property in an emergency state.

insured liability

The insurance liability of ordinary family property insurance is relatively broad, including fire, explosion, lightning, hail, snowstorm, flood, tsunami, earthquake, land subsidence, cliff collapse, tornado, ice, debris flow, falling objects in the air, the collapse of foreign buildings and other fixtures, the actual loss of the insured property caused by the collapse of the main structure of the house due to storm or rainstorm, or the rescue and reinforcement expenses and other reasonable expenses incurred to prevent the spread of disasters. However, due to war, military action or riots, nuclear radiation and pollution, and intentional acts of the insured or relevant personnel, motors, electrical appliances and electrical equipment are damaged by overvoltage, contact wire, arc, power failure and self-heating. After the storm, the insurance property stored in the open air and the simple shed with reed mat, straw, linoleum, wheat straw, reed and canvas as the outer wall, roof and roof truss suffered losses.

insurance

(1) Method for determining insurance amount

It is very important to determine whether the insurance amount is appropriate, which is directly related to the insurer's liability for compensation and the amount of insurance premium paid by the insured.

① Determination of home insurance amount.

For example, a brick-concrete structure house that has been used for five years is damaged and needs to be rebuilt and the original brick-concrete structure needs to be restored. The reconstruction cost is 200,000 yuan, so the insurance value of this house is 200,000 yuan. The insured should determine the insurance amount according to this value, that is, 200,000 yuan. On the contrary, if the insured amount is determined to be 6,543,800 yuan, once it is lost, the insured can only get half of the loss; If the insured amount is determined to be 250,000 yuan, because the insured amount exceeds the insured value by 200,000 yuan, the excess part is invalid. Even if a loss occurs, resulting in a total loss of the house, the insured can only get a compensation of 200,000 yuan at most, and at the same time pay the insurance premium corresponding to the insured amount of 50,000 yuan, which can be described as "losing his wife and losing his soldiers".

② The insured amount of indoor property.

Because there are generally no accounts for indoor family property, and the variety, quality and old and new degree of property are very different, the insurance amount can only be determined according to the actual situation of family property, which is decided by the insured himself. J Start with big items and valuables, such as color TV sets, refrigerators, furniture, washing machines and expensive clothes. , plus general property, and finally estimate sporadic property. The insured determines the insurance amount according to the actual value of each project's property, such as household appliances insurance amount of 6,543,800 yuan, furniture insurance amount of 30,000 yuan, clothing and bedding insurance amount of 50,000 yuan, cultural and recreational articles and other daily necessities insurance amount of 20,000 yuan and entrusted property amount of 6,543,800 yuan, then the insurance amount is * * 2,654,380+000 yuan.

(2) Calculation of payment and refund of insurance premium

The insurance premium of ordinary family property insurance is calculated according to the insurance amount × insurance rate. The insurance premium rate is set according to the specific conditions of various places and insurance companies, and it is generally 1 ‰ = ~ 3 ‰ =, that is, the insurance premium charged per thousand yuan insured each year is 1 ~ 3 yuan. If the insured amount is 2 1 1,000 yuan, the insurance premium that the insured should pay is 2 1 1,000× 3 ‰ = 630 yuan. It can be seen that ordinary family property insurance is a kind of insurance with high protection and low cost.

If the insured applies for surrender or termination of the insurance contract for various reasons, such as the family moves to other places for work reasons, or the unit collectively handles family property insurance for employees, the insurance premium paid by the insured when concluding the insurance contract is generally calculated at the daily average rate.

For example, the insurance amount stated in a property insurance policy is 6,543,800 yuan, the insurance rate is 2‰, the insurance period is one year, and the insurance premium is paid in one lump sum when the contract is concluded. Three months after the insurance contract came into effect, the insured requested to surrender. Since the insurer has insured the insurance for three months, the premium that the insurer should charge for three months should be deducted from the premium paid, that is, the refund amount = 65438+ million× 3 ‰-65438+million× 3 ‰×1/365.

Compensatory therapy

(1) Property rescue and notification. When the subject matter insured suffers losses, the insured shall actively rescue it to minimize the losses, protect the site at the same time, and immediately notify the insurer to assist in the survey. If the insured fails to exercise the right to claim compensation from the insurer within two years from the date when he knew or should have known that the insured accident occurred, it shall be deemed as automatic waiver and invalidation.

(2) provide claim documents. When applying for compensation from the insurer, the insured shall provide insurance policies, property loss lists, invoices, expense documents and certificates from relevant departments. All documents and certificates must be true and reliable, and there must be no fraud.

(3) Compensation calculation

(1) In case of total loss of the house and indoor accessory equipment, the insurer shall pay compensation according to the lower of the insured amount and the insured value (replacement value in case of accident); In case of partial loss, if the insured amount is equal to or higher than the insured value:

Compensation amount = actual loss

If the insured amount is lower than the insured value, that is, when there is insufficient insurance,

Then:

Compensation amount = actual loss or repair cost required for restitution × insured amount/insured value.

(2) The total loss and partial loss of indoor property shall be paid according to the actual loss within the insurance amount of sectional works.

③ The necessary and reasonable rescue expenses paid by the insured shall be calculated separately according to the actual expenses, and the maximum amount shall not exceed the insured amount of the damaged subject matter. If the subject matter insured is compensated in proportion, the expenses shall also be compensated in proportion.

Family property old-age security:

It is a long-term family property insurance with the dual nature of economic compensation and repayment of principal when due, and it is one of the special forms of traditional family property insurance. The "two-in-one" policy of family property insurance embodies the above duality: after the insured has insured, regardless of whether there has been insurance accident loss or not, whether or not he has obtained insurance claims during the insurance period, when family property suffers losses due to disasters or accidents within the insurance responsibility, he can not only get the insurer's economic compensation, but also get back his original insurance savings from the insurer when the insurance expires. In this way, the family property is guaranteed by insurance, and the insurance savings paid at the time of insurance can also be recovered as scheduled, which can be described as "the best of both worlds".

Family property limit can not only accumulate a lot of available funds for insurers, but also increase the financial strength of insurers. At the same time, its term is longer, which enhances the stability of business and reduces the workload of exhibition, billing and charging every year.

Family property old-age security:

It is a kind of long-term insurance, which has the dual nature of compensating economic losses in the event of disasters and repaying the principal at the expiration of the insurance period. Its main feature is that the interest paid by the insured is regarded as the premium income of the insurer; During the insurance period, when the insured property suffers losses due to disasters or accidents within the scope of insurance liability, the insurer shall pay economic compensation according to regulations; When the insurance expires, the insurer will return all the original insurance savings to the insured, so this kind of insurance has the dual nature of insurance and savings.

Family property endowment insurance is an insurance with the family property of urban and rural residents as the subject matter. This is the same as the property insurance. The difference is that the family property pension security is savings insurance, that is, when the insured's property suffers losses due to natural disasters or accidents, not only can he get timely economic compensation, but he can also get back the original insurance savings in full when the insurance expires, regardless of whether the loss compensation is paid or not. The basic principles of family property endowment insurance are the same as those of family property insurance, such as the scope of property, the scope of insurance accidents, the main responsibilities of the insured, the residual disposal of damaged property, the settlement of disputes between the two parties, and the effective period after applying for compensation.

insurance clause

Property insurance contract-family property endowment insurance contract

Family Property Old-age Security Clause (Individual)

Article 1 Purpose of insurance

In order to make the family property of urban and rural residents get economic compensation after suffering losses caused by natural disasters or accidents within the scope of insurance liability, carry forward the spirit of solidarity and mutual assistance, and stabilize people's lives, the family property pension security is specially held.

Article 2 Insurable property

All the following family properties owned by the insured (that is, the insured urban and rural residents, the same below) at the designated place in this insurance policy can be insured with the insurer (that is, the insurance company, the same below):

First, houses and their ancillary equipment;

Two, clothes, luggage, furniture, utensils, appliances, household appliances, cultural and entertainment supplies, transportation and other means of subsistence;

Agricultural tools, tools, harvested agricultural products and agricultural and sideline products of rural families;

Four, self-employed appliances, tools, raw materials and commodities.

5. The above-mentioned property is specially agreed between the insured and the insurer, and it is stated in the insurance policy that it is kept by the insured or owned by others.

Article 3 Property is not guaranteed.

The insured property does not include the following property:

1. Gold and silver, jewelry, jewelry, currency, negotiable securities, tickets, stamps, antiques, ancient books, calligraphy and painting, documents, account books, technical data, charts, livestock, flowers, trees, fish, birds, bonsai and other property without appraisal value.

2. Property in an emergency and dangerous state.

Article 4 Insurance liability

The insurer shall be liable for the loss of the insured property due to the following reasons:

1. Fire and explosion; 2. Lightning, hail, snowstorm, flood, earthquake, subsidence, cliff collapse, tornado, ice and debris flow; Three, the fall of objects in the air, and the collapse of foreign buildings and other fixed objects; Four, the storm or rainstorm caused the collapse of the main structure of the house (external wall, roof, roof truss), resulting in the loss of insurance property; Five, due to prevent the spread of disasters or take necessary rescue and protection measures, resulting in the loss of insurance property and reasonable expenses paid.

Article 5 Exemption from liability

The insurer shall not be liable for the loss of the insured property due to the following reasons:

1. War, military action or violence; The second is nuclear radiation and pollution; 3. Intentional behavior of the insured or his family members; Four, TV sets, electrical appliances (including cultural and entertainment supplies belonging to the nature of electrical appliances), electrical equipment due to excessive use and overvoltage, wire contact, arc discharge, electricity itself heating and other reasons; Five, the insurance property piled up in the open air and under the shed, and the losses caused by storms and heavy rains in the simple shed with reed mats, straw, linoleum, wheat straw, reeds, canvas and other materials as the outer wall, roof and roof truss; Six, moth, rat bite, mildew, deterioration, loss of poultry or death or injury outside the scope of insurance coverage, and other losses outside the scope of insurance coverage listed in Article 4 of this insurance policy; Seven, where the insurance housing, including illegal buildings, dangerous buildings insurance accident losses.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.