Is home contents insurance useful?

<> a few days ago, I happened to see an article about the fact that the neighbor spent 6,000 yuan, and you spent 500 million to buy a house, and the neighbor caught fire, what should I do? Then it is necessary to use home contents insurance. Home property insurance is mainly to "protect the house, house decoration, indoor property, when insured, the ideal amount of insurance should be close to the actual value of the house."

I once had a friend's family traveling abroad, and accidentally the toilet pipe burst, and the water overflowed, resulting in the entire living room being full of water, so I had to renovate it all, and it cost tens of thousands of dollars. Therefore, in terms of home property insurance, it is necessary to pay attention to the additional plumbing pipe burst insurance. As for how to consult, when you consult, you can ask the insurer around you whether he has the expertise of family property insurance, whether he can do a good job of protecting the house, and ask him to make a detailed plan and make a good guarantee for his real estate with a reasonable **.

In addition, if I have a rental partner, I will help myself buy a rental insurance to avoid any incidents that happen to other neighbors, such as water seepage or other problems, I can use the amount given by the insurance company to make some compensation, and avoid the additional uncontrollable accidents of renting.

Hopefully, these things will help you understand whether home contents insurance is useful or not.

<> salesman of an insurance company goes out to do business, and often asks customers a question:

Do you find the railings on both sides of the bridge useful?

The average customer will look confused: the railing of the bridge? Of course it works, otherwise it won't fall?

So do you hold on to the railing when you walk across the bridge?

The customer continued to be confused: Well, it seems that there are really few people who hold on to the railing to cross the bridge.

Continue to ask: So, is the railing of this bridge useless? Because basically no one uses it.

The customer hurriedly shook his head: No, no, how can the bridge have no railings? How unsafe it is without railings!

Okay, so now back to that.

Is home contents insurance useful?

In terms of probability, if a hundred households buy family property insurance, 99 families will not be able to use it in a year. That is, 99% of people don't use it, but the most amazing thing about probability is that it conforms to Murphy's Law, that is, if something can happen, then it will happen. Even if it's only a 1% probability or less.

It's just that we don't know who this will happen to and when.

Moreover, insurance is not actually insurance, thinking that if you buy insurance, you can be safe, it is better to kowtow a few more heads, burn a few more pillars of incense, the real purpose of insurance is to stop losses and diversify risks. It can dilute the economic loss that originally occurred in one family into 100 parts, which can be shared by 100 families. So, when you buy such a home contents insurance, then there will be thousands of families who will bear such losses with you.

As an insurer, one of the most common sayings we say is: risks are everywhere, and the biggest risk in life is the lack of insurance!

I don't think it's necessary for ordinary families.

For ordinary families, although ordinary families have the need to allocate assets, not every family has the need to purchase family property insurance. In other words, home property insurance needs to have a certain amount of funds in order to have the value of purchasing related insurance. Many ordinary families don't have that much net worth, and buying home property insurance is just a waste of money.

First, let me first talk about the basic concept of family property insurance.

For those families who have reached a certain amount of funds, because the net worth of these families is very high, and the items in the family also have a certain property value, they can buy family property insurance at this time. Some people are particularly fond of collecting physical collectibles, and if we purchase home contents insurance, our collectibles are fully covered. Because the actual physical property of the average family is not that high, I don't think it's necessary to buy family property insurance.

Second, I personally don't think it's necessary.

As I said above, ordinary household appliances are completely unable to meet such economic conditions, and it is a very wasteful thing to buy home contents insurance. Some people may follow the recommendations of friends and family members who are themselves insurance practitioners. We must know that not every insurance practitioner has strict professional qualities, and buying insurance is a good thing, but many insurance practitioners are just to earn commissions.

3. Personally, I don't recommend indiscriminately configuring insurance products.

It's not a bad thing to have an insurance product, but not every insurance product is suitable for an individual. Strictly speaking, everyone has a certain background condition, so you must buy relevant insurance according to your own prescribed conditions, and don't feel that you need to buy insurance as long as it is insurance. There are too many types of insurance on the market, and I suggest that you first understand the basic knowledge of insurance types, and then configure relevant types of insurance according to your actual needs, and try not to spend money in vain.

For the average family, there is no need to buy home contents insurance, because buying it is a waste of money.

Of course it is necessary. In today's complex and diverse society, many ordinary families are more likely to be victims of property. And for some ordinary families, there is still a lack of some professional knowledge and necessary skills to resist these risks.

There is no need to purchase home contents insurance, as this type of insurance requires a certain amount of property to realize the value of this insurance.

General Home Contents Insurance:

It is a basic type of insurance for urban and rural households, which underwrites all kinds of property and materials stored in a fixed address range and in a relatively static state by urban and rural residents, and all houses and their ancillary equipment, furniture, household appliances, non-motorized vehicles and other means of life owned by the insured can be insured with family property insurance, and rural residents' farm tools, tools, harvested agricultural and sideline products and business appliances, tools, raw materials, commodities, etc. of individual workers can also be insured with family property insurance.

With the development of social and economic development, people's household wealth continues to increase, and the risks they face are also increasing. In this case, it is important for you and your wife to purchase the right protective home contents insurance to provide more protection for your family finances. Is it necessary to buy a two-bedroom house protection home property insurance?

Compared with investment-based home property insurance, protective home property insurance focuses more on family property protection, so for you and your wife, you can pass on the economic risk caused by the loss of family property by investing less money, so it is necessary to insure. Here are a few things you need to pay attention to before you apply for insurance:

1. The insured has an insurance interest relationship with the subject matter of the insurance. If there is a change in most of the family's assets, you must go to the insurance company to change the contents of the policy.

2. Not all slippery and grinding family sailing property can be insured with protective family property insurance. Property (e.g., calligraphy, paintings, antiques) and daily necessities whose value cannot be determined cannot be covered by protective family property insurance.

3. Don't overinsure. The insurance company follows the compensatory principle when making compensation, and the insurance company does not compensate for the overinsured part. Don't over-insure and double-insure, the best way to insure is to insure at the original value.

Purchasing the right protection home property insurance is not only convenient and fast, but also has affordable premiums, and you can also enjoy later claim services, which is the best channel for you to insure. Hua'an "Full House" family property insurance protection content: * house and indoor property, household appliances electricity safety protection, etc. * indoor property theft, third-party liability insurance * special coverage of various natural risks including ** caused by losses as low as:

399 yuan of well-off home family property insurance paragraph B protection content: * housing, interior decoration, indoor property and other protection * unique portable household appliances protection * theft protection as low as: 140 yuan.

Expand the letter to read: [Insurance] How to buy, which is better, teach you to avoid these insurance"pits"

Household property insurance is an insurance that takes the family property of urban and rural residents as the subject of insurance. The main insurable assets of home property insurance are as follows:

1. The general property of the family includes the house and its ancillary equipment;

2. Clothing, bedding, furniture, utensils, appliances, household appliances, cultural and entertainment supplies, transportation and other living materials;

3. Farm tools, tools, harvested agricultural products, sideline products, and poultry of rural families;

4. Business utensils, tools, raw materials and commodities of self-employed workers;

5. Upon special agreement between the insured and the insurer, and the property under the custody and management of the insured is specified in the insurance policy, as long as it is stored in the place specified in the insurance policy, family property insurance can be purchased from the policyholder.

1. Property that cannot be contracted.

Although many properties can be insured in countries with developed insurance industries, due to insurance technology and other reasons, most insurance companies generally do not cover the following properties in China:

1. Currency, tickets, diamonds and products, jade, jewelry, ancient coins, antiques, calligraphy and paintings, stamps, artworks, rare metals and other precious property;

2. Property whose specific value cannot be determined after the loss occurs, such as currency, tickets, valuable**, stamps, documents, account books, charts, technical data, computer software and data, and property whose value cannot be appraised;

3. Daily consumer goods necessary for daily life, such as food, food, tobacco and alcohol, medicine, cosmetics, etc.;

4. All kinds of means of transportation, breeding and planting;

5. Property used for production and business activities and houses for rental for industrial and commercial purposes;

6. Illegal construction, dangerous construction, illegally occupied property, and property in a dangerous state;

7. Proceeding from the needs of risk management, the insurer declares that other properties that are not covered by the insured property are not covered by the insurance.

2. Compensation treatment of family property insurance.

1. When the insured makes a claim, it shall provide the insurance company with the insurance policy, the list of losses and other necessary documents.

2. When the insured property suffers losses within the scope of insurance liability, the insurance company shall calculate the compensation according to the actual value of the insured property at the time of the accident, but the maximum shall not exceed the insured amount specified in the insurance policy.

3. After the insurance company compensates for part of the loss of the insured property, the insurance contract shall continue to be valid, but the insured amount shall be reduced accordingly. The reduction amount is endorsed by the insurance company.

4. If the loss within the scope of insurance liability should be compensated by a third party, the insured may claim compensation from the insurance company or the third party. If the insured claims from the insurance company, he or she shall transfer the right to subrogate to the insurance company from the date of receipt of the compensation. When the insurance company exercises the right of subrogation, the insured should actively assist and provide the insurance company with the necessary documents and relevant information.

5. When an insured event occurs, if there are other insurance policies that cover the same liability for the same insured property, the insurance company shall only be responsible for compensation in proportion to whether the insurance is insured by the insured or others.

6. The claim period of the insured shall not exceed two years from the date on which the insured knows the occurrence of the insured event.

Family property insurance, referred to as home property insurance, is a kind of insurance with the tangible property of urban and rural residents as the subject of insurance, and is one of the most important types of insurance for individuals and families. The property in the house owned, used or kept by the insured and located at the address specified in the insurance policy may be insured by the insurer for family property insurance within the agreed scope. Family property insurance provides timely economic compensation for property losses suffered by residents or families, which is conducive to the stability of residents' lives and social stability.

1. Insurance liability of family property insurance.

a) Fire, **.

2) Lightning, hail, snowstorms, floods, tsunamis, **, subsidence, cliff avalanches, tornadoes, ice cubes, mudslides.

iii) the fall of airborne objects, as well as the collapse of external buildings and other stationary objects.

4) Damage to insured property caused by the collapse of the main structure of the house due to a storm or heavy rain.

2. How is the scope of liability of family property insurance determined?

1) Insurance liability.

1. Fire, **.

2. Lightning strikes, hailstorms, snow disasters, floods, cliff avalanches, tornadoes, ice cubes, mudslides, sudden ground subsidence, and sudden landslides.

3. Objects running in the air fall, and external objects collapse.

4. Storms or rainstorms collapse the main structures of the house (exterior walls, roofs, roof trusses).

5. The insured property stored indoors has been stolen or robbed by outsiders with obvious traces.

6. After the occurrence of the insured event, the insured shall pay the necessary and reasonable expenses to prevent or reduce the loss of the insured property, but the maximum amount of compensation for such expenses shall not exceed the insured amount.

2) Exemption from liability.

1. War, military action or violence.

2. Nuclear radiation and pollution.

3. Motors, electrical appliances and electrical equipment are damaged due to excessive use, overvoltage, wire collision, arc spark, leakage, self-heating and other reasons.

4. The intentional behavior of the insured and his family members, service personnel, and resident persons, or collusion and connivance with others to steal, or the loss caused by outsiders, or hooks outside the window.

5. Losses caused by storms and rainstorms of insured property stacked in the open air, as well as simple houses and sheds with reed mats, straw, linoleum, wheat straw, reeds, canvas and other materials for exterior walls, roofs, and roof trusses.

6. Losses caused by defects, poor storage, deterioration, mildew, moisture, insect bites, natural wear and tear of the insured property.

7. Failure to construct according to the requirements leads to the subsidence of the foundation of the building, and the loss of cracks and collapse of the building.

8. All losses caused by **.

9. Losses caused by theft or connivance of the insured's family members or employees, or co-residents or boarders, and theft or connivance of others to steal the insured property; Theft losses suffered by insured property while the premises are unoccupied or left unattended for more than 7 days; Theft loss of insured property due to failure to close doors and windows.

10. Other losses that are not within the scope of insurance liability.