Property Insurance should pay attention to insuring the areas

With economic development and income increase, people constantly improve the quality of life, more and more family property, such as real estate, cars, high-end stereo, furniture, exquisite decoration, there are all sorts of pets. How to avoid loss of valuables » May wish to vote in the General Insurance home, so that small investment you gone away from the accident Pocai

The so-called family Property Insurance, is a family to cover personal property is the subject of insurance, the basic insurance responsibilities include: fire, explosion, lightning, rainstorms, typhoons and other natural disasters, and flying objects falling, fires and other accidents occur, buildings And fixed objects such as the collapse of the family property, and other losses, the economy can be offset, at home and property was looted, household appliances there was loss of electricity security issues, cash, gold and silver jewelry lost, pipelines rupture and flood losses while Not specified in the basic responsibility of the insurance, but can be dangerous, and so on the basis of the basic plus insurance, these are additional insurance liability.

With the development of home Property Insurance, in order to meet family needs to protect the property of the family continued to expand the scope of General Insurance, a lot of new content protection, for example, pet liability insurance, rent loss insurance and home economics officers liability insurance.

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According to the amount of different "three-good fortune" at two, A for the amount of 356,000 yuan premium 220 yuan / year, B, the amount 173,000 yuan premium 120 yuan / year. Disclaimer-neglected

In real life, many consumers there is a misunderstanding, and that is that "since the family property has been insured, then the danger is to all the insurance companies, in case of loss of property, full compensation from insurance companies, no longer Has nothing to worry about. " In fact Otherwise, the insurance companies the responsibility of the agreement also includes a number of non-coverage of the content.

Family property insurance on indoor property protection is in a fixed home, if you move out of the television after a fixed residence in the accident, the insurance company is no compensation. In addition, because of the war, radioactive pollution, earthquakes and other causes of loss, insurance companies, not compensation. PICC Property Insurance relevant to remind people: "Chongyao, rodent infestation, and these losses insurance companies also irresponsible." And not due to negligence of the owner of the windows and doors leading to the theft, domestic staff employed by the owner of such acts of theft , Insurance companies do not pay, the payment conditions Daoqiang Xian is obviously committing the crime scene traces.

Repeated cost-insured

Right now, insurance companies introduced more and more types of home Property Insurance, and premiums are relatively low, generally around 100, therefore, many people tend to be insured in Company A, B, the company will be insured, experts said , Repeated and cost-insured.

For repeat insurance, the insurance company usually provides that: "if otherwise the same insurance protection exists, whether or not by the insured person or another person in whose name the insured, regardless of whether or not the insurance compensation, the company is responsible only for a proportional share of the responsibility for compensation . "In other words, both in the number of insurance companies for the guarantee, the public can receive the final payment will not constitute a valid claim over the loss of the total.

If Mr. Chen has just moved new house a year ago, six months ago in the A company insuring the security of the 50,000-General Insurance, and later, in a friend's introduction, he also insured in the B Company of the 50,000-General Insurance. A month ago, Mr. Chen family to a water main burst, home decoration, was severely damaged, the insurance companies in the survey found at the scene after the accident loss of 20,000 yuan. He originally thought that the two companies can be obtained from the 20,000 yuan compensation, but was told that the two companies will be proportional compensation for Mr. Chen 10,000 yuan respectively. Insurance experts reminded the public choose a different insurance companies in the home of General Insurance, it is necessary to pay attention to the same liability insurance, the amount added up to no more than the actual property.

On-demand more economic insured

Family property insurance in general should be insured in full. That is, home is the property of 50,000 yuan, 50,000 yuan will be insured if you only insure the 30,000 yuan, after the Chuxian, insurance companies, you will not be in accordance with the actual property to compensate, but up to 30,000 yuan compensation. Insurance during the insurance liability if there was a number of incidents, number of total compensation amount is calculated. As long as accumulated over a total insured amount, even if the policy does not exceed the insurance period, it is also the responsibility of the insurance automatically terminate.

- Property Insurance lower prices, generally a few hundred dollars can be Ersanshiwan yuan on the insured amount, therefore, many of the insured try to over-insured. According to reports, the excess insurance, the insurance company after the Chuxian usually dealt with two points: First, if the policyholder out of malice, an attempt to obtain improper benefits while over-insured, the contract is invalid and the other is the insurance contract, As property insurance market prices fell, resulting in insurance coverage when the accident occurred is greater than the value of insurance, the amount of compensation in accordance with the insurance when the accident occurred in real terms, over part of the sum insured is invalid, even the premium will not be refunded.

In addition, it is worth mentioning that the family of General Insurance rates although rates, but according to their own security needs to buy time, the general shortest period of one month. One of the premium paid only 10 percent of annual premiums. If the year-General Insurance premiums for 400 yuan a month home Property Insurance pay 40 yuan on it.

Investment protection correct

There is now growing enthusiasm for finance and investment, many insurance companies have introduced a balanced investment protection and dual function of the family Property Insurance. This product is the insured must pay the investment of insurance, insurance expires, regardless of whether there has been a period in insurance payments, insurance companies will be in the interest rate agreement by the end of the return of principal and interest. Therefore, investment in home-based General Insurance in addition to basic protection, there will be paid the full period.

For example, the Chinese People's Insurance Property Insurance launched the "Jinniu" third-generation investment protection of the family property insurance: the products are 3-year and five-year two. Products to yield higher than the 0.03 percentage point over the same period of treasury bonds, in the insurance period yield sync with the bank interest rate adjustments, income tax exemption for its customers distinct characteristics. In addition to investment income, the policy holders at no extra pay insurance premiums, will also receive five times the annual investment in the family property insurance coverage.