What is home contents insurance? What kind of property insurance is it?

Home property is the abbreviation of family property insurance, which is a kind of property insurance, which covers many items, and family property is basically within the scope of coverage, including houses, home decoration, non-portable electrical appliances, etc. Loss of household property due to various reasons is a variety of reasons for insurance companies to compensate.

Different from everyone's general perception, the scope of home property insurance is actually relatively narrow.

No property protection. 1) Precious property such as gold and silver, jewelry, ornaments, antiques, currency, ancient books, calligraphy and paintings (too large or no fixed value) (2) Currency, savings passbook, valuable**, tickets, documents, account books, charts, technical data, etc. (not actual materials) (3) Illegal buildings, dangerous houses, and other property 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 determined).

Insurable property. 1) Self-owned residential house (2) Interior decoration and decoration Family property insurance publicity.

and ancillary facilities (3) Indoor household property.

Comprehensive family property insurance, referred to as home property insurance. It is a kind of property insurance that takes the family property of urban and rural residents as the insurance object, and mainly compensates for the loss of family property due to fire, **, natural disasters, etc.

Home contents insurance.

Abbreviated as home property insurance.

It is the most important type of insurance for individuals and families. Where deposited, located in the insurance policy.

The listed address, which belongs to the insured's own family property, can be insured with the insurer for family property insurance. The scope of home property insurance generally includes houses and house decoration, clothes, bedding, such as furniture, gas appliances, kitchen utensils, musical instruments, sports equipment, household appliances; Riders include theft, robbery and gold and silver jewelry, banknotes, bond insurance, and third party liability insurance.

Wait. There are four main types of home property insurance, 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.

3. Investment protection 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 part of Wang Qingxian is used as insurance premium.

4. Personal loan mortgage home insurance.

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

Hello, there are currently three types of family property insurance on the market: consumption, savings, and combination. And the three different types of home property insurance focus on different functions.

The biggest feature of consumer-oriented family property insurance is that the premium is low, and after the expiration of the insurance period, the insurance premium paid by the grandson included in the insurance will not be refunded.

Savings home property insurance takes into account the dual functions of savings and protection, and at the end of the insurance period, the insurance company will return the principal and interest at the agreed interest rate at the end of the period, regardless of whether there is a claim during the insurance period.

Combined home property insurance is a combination of home property insurance that can protect both property and life. Talk about the chain.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The full name of home property insurance is family property insurance, which can be purchased from the insurer if it is stored and located at the address indicated in the insurance policy and belongs to the insured's existing family property. The scope of home property insurance usually includes house and house decoration, clothing, bedding, furniture, gas appliances, kitchen supplies, musical instruments, sports equipment, and household appliances; Riders include theft, robbery and insurance for gold and silver jewelry, banknotes, bonds and third party liability. The insured property shall be liable for the loss of the insured property at the address indicated in the insurance policy due to the following factors:

1.Fire**; 2.Subsidence or subsidence caused by lightning strikes, hailstorms, snowstorms, floods, cliff avalanches, tornadoes, ice cubes, mudslides and natural disasters; 3.

Falling of objects running in mid-air, collapse of external objects; 4.Storms or rainstorms collapse key structures (walls, roofs, roof trusses); 5.The insurance property stored in the room has been stolen and robbed by the outside world with visible traces.

6.Other listed natural disasters: tornadoes, floods, tsunamis, sudden ground subsidence, cliff avalanches, mudslides, sudden landslides, snow disasters, hailstorms, ice 7

Collapse of external buildings (no compensation for voluntary collapse of insured buildings) 8Storms and torrential rains caused the collapse of key structures of the house. 9.

Losses and expenses incurred as a result of the rescue. Uninsured property:1

Precious property such as gold and silver, jewelry, ornaments, antiques, currency, ancient books, calligraphy and paintings (with great or no stable value). 2.Currency, savings passbooks, valuables**, tickets, documents, books, charts, technical information, etc. (not actual goods).

3. Illegal construction, dangerous houses, and other properties in dangerous condition. 4.Motor vehicles such as motorcycles, tractors or automobiles, wireless communication devices such as pagers and mobile phones, and poultry and livestock (other property insurance categories).

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

Home contents insurance mainly covers the loss of family property. Generally speaking, during the insurance period, the insurer shall be responsible for compensation in accordance with the contract for the loss of the insured object within the agreed address due to the following reasons:

1. Fire, including but not limited to:

1) Fires caused by household gas appliances, electrical appliances, power lines and other internal or external fire sources;

2) Household gas appliances, liquefied gas tanks and gas leakage;

2. Falling objects in the air and collapsing of external objects;

3. Sudden subsidence and sinking of the ground caused by typhoons, storms, heavy rains, tornadoes, lightning strikes, floods, hailstorms, blizzards, avalanches, ice cubes, sudden landslides, mudslides and natural disasters.