I would like to take out a property casualty insurance

The thought of insuring the house was really good.

Many people feel that insurance is useless, and it is too late to wait for the time of insurance, in fact, insurance is like this, in fact, every benefit is very large.

Home insurance is a property insurance, in fact, it does not cost a lot of money, and it can be covered very comprehensively.

Property insurance, also known as family property insurance, provides comprehensive protection for all insured customers' houses, house decoration and indoor property, whether it is natural risks such as typhoons, rainstorms, lightning strikes, or fire, **, robbery and other risks can be protected, and also provides family members accident insurance, where stored, located in the address listed in the insurance policy, belongs to your own family property can be insured family property insurance.

Take out home contents insurance:

Housing, house decoration and indoor property are the three main insurances, covering the loss of the house caused by fire, typhoon, heavy rain, mudslide and other reasons, and covering the loss of house decoration due to fire, natural disasters, falling or collapsing of external objects and other reasons in the decoration insurance, including the indoor auxiliary equipment supporting the house decoration.

Interior property is:

Covers indoor property damage due to fire, natural disasters, falling or collapsing external objects, etc.

This includes portable household appliances and watches, but excludes gold and silver, jewellery, jewelry, valuable** and other property of unascertained value.

Summary. Home accident insurance and home insurance are two different types of insurance. Home accident insurance is mainly to protect family members in the event of an accident, such as medical expenses, disability compensation, and death compensation, while home insurance is to protect the house itself and its internal property from the loss of natural disasters, theft, and other events.

Therefore, there is no direct connection between the two types of insurance, and home accident insurance usually does not include home insurance. If you need home insurance, it is recommended that you purchase home insurance separately to protect your home and property.

Home accident insurance and home insurance are two different types of insurance. Home accident insurance is mainly to protect family members from medical expenses, disability compensation and death compensation in the event of an accident, while home insurance is to protect the house itself and its internal property from natural disasters, theft and other incidents. Therefore, there is no direct connection between the two types of insurance, and home accident insurance usually does not include home insurance.

If you need home insurance, it is recommended that you purchase home insurance separately to protect your home and property.

Got it, thanks!

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Summary. Hello dear, there are three main points of protection for accident insurance: accidental medical treatment, accidental disability, and accidental death. In other words, medical expenses incurred due to accidents can be reimbursed; Disability or death caused by an accident can directly pay a sum of money.

For children, who are prone to bumps and injuries when they play regularly, they should focus on accidental medical treatment; In addition, the child has no family responsibilities, so accidental death is relatively secondary.

For the breadwinner of the family, the unexpected value protection should be bought a little higher. In case of risk, there is insurance. Be sure to pay attention when choosing accident insurance.

How to buy accident property insurance.

Hello dear, there are three main points of protection for accident insurance: accidental medical treatment, accidental disability, and accidental death. In other words, medical expenses incurred due to accidents can be reimbursed; Disability or death caused by an accident can directly pay a sum of money.

For children, who are prone to bumps and injuries when they play regularly, they should focus on accidental medical treatment; In addition, the child has no family responsibilities, so accidental death is a secondary to hail. For the breadwinner of the family, the unexpected value protection should be bought a little higher. In case of risk, there is insurance.

When choosing accident insurance, you must pay attention to the balance of the source.

Purchasing home property insurance should be configured according to the financial situation of your family. Generally, there are ordinary home property insurance, interest rate linkage family property insurance, and principal repayment family property insurance. Ordinary family property insurance covers the insured's family guidance property by paying insurance premiums, and if the property causes losses as agreed in the contract, a certain amount of compensation must be paid.

It is recommended that home property insurance purchase this bridge should follow the principle of first expensive and then fierce. There are different types of home property insurance according to the product settings of insurance companies, but the objects of coverage remain the same, which are all valuable movable or immovable property of the family. Some home property insurance focuses on the protection function and the premium is relatively cheap, but some home property insurance has the dual nature of protection and savings, so when the insurance expires, regardless of whether there is a claim during the insurance period, the insurance savings must be returned to the policyholder.

To buy insurance, you still need to find a special insurance company, which is generally considered from three aspects:

1.Company strength. Internationally, policyholders generally choose insurance companies with a long history, high reputation, large scale, abundant funds and good performance.

The evaluation of Chinese companies can mainly refer to the total asset value of the company, because this will be directly related to the issue of whether the policyholder can be compensated or paid; Secondly, consider the company's total premium income, business network, number of policies, number of employees, and past performance.

2.Product Category: The insurance products offered by a good insurance company should meet the following conditions:

First, the product range is complete; Second, the product is highly flexible, such as in terms of insurance period, payment method, preferential terms, etc., which can provide greater convenience for policyholders; Third, the competitiveness is strong, which is reflected in the services that the product can provide.

3.Service level and quality. An insurance product is a financial service product, so when applying for insurance, it is important to pay attention to the level and quality of service.

There are usually three ways to sell insurance products, namely: door-knocking service——— insurance company sends someone to the customer to sell; Door-to-door service ——— the policyholder to apply for insurance at the insurance company; Intermediary services ——— insurance companies sell insurance products to customers through brokers or **people.

Nowadays, many accident insurance policies are paid for one year, and if no risk occurs during the year, the premium paid will not be refunded. Ping An of China will launch a high-value return accident insurance on July 15--- million at your disposal, payment period: 10 years, insurance period:

For 20 or 30 years, the annual premium is about 1400, and 120% of the premium will be refunded if the risk does not occur when it expiresThat is, about 17,000, which is equivalent to saving money to send security.

Purchasing accident insurance should be considered in combination with your occupation, travel transportation, business trip frequency, business travel transportation, etc.

For example, if you commute by car, you can consider having exclusive private car insurance; For example, if the frequency of business trips is high and it is a "trapeze", then you can consider the aviation accident insurance of the exclusive aircraft (which does not conflict with the aviation insurance purchased each time); If you find it more troublesome to buy so many points, you can also purchase a comprehensive accident insurance that includes the above content.

Of course, the most important thing about accident insurance itself is accidental injury and accidental medical treatment, remember to look at these two aspects carefully when buying.