What does home property insurance cover?

Hello! Generally speaking, home contents insurance covers the following:

Insurable property and special insured property, of which insurable property includes self-owned residential houses and interior decoration, decoration and ancillary facilities and indoor family property, and special insured property includes non-powered agricultural machinery, agricultural tools and harvested agricultural and sideline products stored indoors by rural families and business utensils, tools, raw materials and commodities stored indoors by individual laborers;

property held on behalf of another person or in common with another person;

Property that requires a special agreement with the insurer to be insured.

You may wish to refer to the introduction of home property insurance in the space.

Hope it helps!

1. Insurable property.

1) There are residential houses in the auction.

2) Interior decoration, decoration and ancillary facilities.

3) Indoor home property.

2. Specially insured property.

1) Non-powered agricultural machinery, agricultural tools and harvested agricultural and sideline products stored in the yard by rural households.

2) Business utensils, tools, raw materials and commodities stored indoors by self-employed workers.

3) Property kept on behalf of others or property jointly owned by others.

4) Property that can only be insured by special agreement with the insurer.

3. No property protection.

1) Precious property such as gold and silver, jewelry, ornaments, antiques, currency, ancient books, calligraphy and paintings (too much or no solid value).

2) Currency, savings passbooks, valuable**, tickets, documents, account books, charts, technical data, etc. (non-actual materials).

3) Illegal buildings, dangerous houses, and other properties in dangerous condition.

4) Motor vehicles such as motorcycles, tractors or automobiles, wireless communication equipment such as pagers and mobile phones, and poultry and livestock (other property insurance coverage).

5) Food, tobacco and alcohol, medicines, cosmetics, flowers, birds, fish, insects, trees, bonsai, etc. (value cannot be identified).

1. How many types of family property insurance are included?

1. Ordinary family property insurance.

Ordinary family property insurance is in the form of paying insurance premiums, and the insurance period is one year, from the zero hour of the insurer's issuance of the policy to 24 hours after the expiration of the insurance period. Unless there is a special reason, the policy cannot be surrendered in the middle of the policy. After the expiration of the insurance period, the insurance premium paid will not be refunded, and you will need to go through the insurance procedures again to continue the insurance.

2. Principal repayment type family property insurance at maturity.

Its coverage and insurance liabilities are the same as those of regular home property insurance. Principal repayment type of home property insurance has the dual nature of disaster compensation and savings. When applying for insurance, the policyholder pays a fixed insurance fund, and the interest of the fund is converted into a premium, and when the insurance expires, regardless of whether there is a claim during the insurance period, the insurance fund is returned to the policyholder.

3. Interest rate linkage type family property insurance.

With the price index** and the central bank constantly raising interest rates, people have put forward higher requirements for insurance protection. Interest rate-linked family property insurance came into being. In addition to having the corresponding protection responsibilities, in case of bank interest rate adjustment, the one-year bank deposit interest rate will be adjusted synchronously and at the same range, and the interest will be calculated in stages, regardless of whether the insurance compensation occurs, the principal and income can be obtained at the end of the term.

The coverage of home contents insurance includes: all family property owned by the insured person can be covered if it is stored and located at the address listed on the policy, generally including house and house decoration, clothes, furniture, gas appliances, kitchen utensils, musical instruments, sports equipment, household appliances, etc.

However, not all family property can be protected, such as gold, silver, jewelry, antiques and ancient books and other large or no fixed value, currency, valuable, documents and other non-actual materials, illegal buildings, motorcycles, mobile phones, food, bonsai, cosmetics, tobacco and alcohol, etc. are all within the scope of family property insurance.

Home property insurance. There are four main types, namely ordinary home property insurance, comprehensive home property insurance, investment protection home property insurance, and personal loan mortgage home insurance.

1. Ordinary home property insurance.

The coverage of ordinary home property insurance is generally one year or less, ** is not high, and the protection is the family property placed in the specified address in the insured house, such as household appliances, furniture, clothes, utensils, interior decoration, etc. It does not include gold and silver jewelry, jewelry, currency and other items whose value is difficult to assess.

2. Dual-type home property insurance.

The coverage period of the two-type home property insurance is generally 3 years or 5 years, depending on the terms of the insurance. Both types of home property insurance have the functions of economic loss compensation and return at maturity, and the coverage is basically the same as that of ordinary home property insurance.

Investment protection home property insurance is a home property insurance with an investment nature, and part of the investment can be returned to the policyholder, and the other part is used as insurance premium.

4. Personal loan mortgage home insurance.

This type of insurance is to prevent the creditor from suffering losses due to damage to the mortgaged house, and the coverage period is longer, generally until the loan is paid off, but the maximum period cannot exceed 20 years.

Test your anti-risk index, experts will interpret it for you for free!

Home contents insurance is a type of insurance that provides protection for family property. It can cover the insurance of the house and other contents such as appliances, jewelry, etc. This insurance can help the family compensate for the loss if the family's property is damaged by circumstances such as natural disasters or theft.

Home contents insurance typically includes property insurance and property insurance. Property insurance is a basic type of insurance, which includes the house and its contents, such as kitchen equipment, furniture, clothing, etc. Property insurance is generally another type of insurance that covers the loss of jewelry, art, collectibles, hotel reservations, and travel plans.

However, it is important to note that home contents insurance does not solve all problems. It is simply able to provide some financial help in the event of a loss. Therefore, the insurance company will also set the relevant conditions such as how to handle the loss inspection, how to assess the loss, and the maximum payment limit.

Therefore, if you want to buy home property insurance, you must read the terms carefully, clarify the corresponding responsibilities of the insurance company, and choose a suitable home content insurance plan for you.

In conclusion, home contents insurance can help families provide some protection in the event of property damage, which brings a lot of peace of mind to people. However, when buying home contents insurance, you need to understand the types and terms of the insurance to ensure that the insurance you choose can meet your needs.

Family property insurance, also known as home property insurance, is a kind of insurance that takes the tangible property in our family as the subject of insurance, and is also one of the main types of insurance for individuals and families. As long as it is stored and located at the address specified in the insurance policy, and belongs to the family property owned by the insured, it can be insured for family property insurance. Family property insurance can generally be divided into three categories: ordinary family property insurance, regular principal repayment family property insurance, and interest rate linkage family property insurance.

Among them, ordinary family property insurance can be subdivided into two types: disaster loss insurance and theft insurance.

After knowing the definition and classification of home property insurance, let's understand the scope of home property insurance. Insurable property includes self-owned residential houses, interior decoration, decoration and ancillary facilities, and indoor family property, and non-insurable property is divided into several categories: first, property that is too high in value or whose value cannot be assessed, such as gold and silver, jewelry, jewelry, antiques, currency, ancient books, calligraphy and paintings; secondly, it is not an actual material property but should be classified as intangible assets and other categories, such as currency, savings passbook, valuable**, tickets, documents, charts, technical data; In addition, illegal buildings, dangerous houses, and other properties in a dangerous state are not covered by family property insurance, because they violate the law or the insurance risk is too large; In addition, motor vehicles such as motorcycles, tractors or automobiles, wireless communication equipment such as pagers and mobile phones, and poultry and livestock are also excluded, because these properties are too mobile for insurance companies to confirm the transfer of property; In addition, food, tobacco and alcohol, medicines, cosmetics, flowers, birds, fish, insects, trees, bonsai, etc., are difficult to identify their value, and the value itself changes dramatically over time, so it is not possible to insure.

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The insurance coverage of home property insurance Qi Shenqiao Gao Meng includes.

a.It can protect wealth and filial piety.

b.Specially insured property.

c.No property protection.

d.Marital property.

Correct answer: ABC