To answer Mr. Ma's question, we should start from the beginning and understand what property insurance is. Property insurance, as its name implies, is an insurance in which the insurance company is liable for the loss of the subject matter insured according to the insurance contract. Property insurance compensation involves a wide range and is also the most prone to claims disputes.

In terms of product classification, property insurance in a broad sense includes auto insurance, property insurance, cargo transportation insurance, liability insurance, construction engineering insurance, construction and installation insurance, performance insurance, credit insurance and rocket launch insurance. Property insurance in a narrow sense includes enterprise property insurance and family property insurance.

For ordinary people, family property insurance is of course the most contact with us and the most practical for us. As the Morning Post for urban white-collar workers, today we will focus on family property insurance.

Back to the case at the beginning of this article, according to Article 3 of China's Family Property Insurance Clause, gold and silver, jewelry, jewelry, currency, negotiable securities, tickets, stamps, antiques, ancient books, calligraphy and painting, documents, account books, technical data, charts, livestock, flowers, trees, fish, birds, bonsai and other priceless properties are not covered. Obviously, seeing this, you should understand why Mr. Ma's calligraphy and painting can't be claimed.

Tips for choosing family insurance

Family property insurance can provide protection for people's family property. In the face of various types of home insurance, how should we choose?

At present, the types of family property insurance mainly include security, savings and investment. Three different types of family property insurance have their own advantages. For citizens, family property insurance is not as expensive as possible, and suitability is the most important thing.

Guaranteed family property insurance is a common type of family property insurance, which can only provide the most basic protection for family property, with a term of 1 year. After the insurance expires, it needs to be renewed. Its coverage mainly includes family property losses caused by fire, explosion, natural disasters, accidents and other reasons. The premium of guaranteed family property insurance generally only needs tens or hundreds of yuan to be insured, and will not occupy too much family funds.

Savings family property insurance products are relatively affordable family property insurance types. Residents get insurance protection by paying insurance savings to insurance companies. The insurance company regards the interest on insurance savings paid by the insured as the insurance premium, and returns all the insurance savings paid by the insured at the expiration of the insurance period.

Among many types of family property insurance, the biggest difference of savings-based family property insurance products is that when the insured's property suffers from natural disasters or accidents, it can not only get timely economic compensation, but also get back the original insurance savings in full when the insurance expires.

Investment-oriented family property insurance can obtain certain income, which not only has the protection function of guaranteed family property insurance, but also takes into account the investment effect.

In fact, there is another way to choose property insurance, that is, from the perspective of insurance companies: choosing a property insurance company should be based on the company's strength, company services, company claims and so on.

[Notes]

Note 1: Company strength. Internationally, policyholders generally choose insurance companies with long history, high credibility, large scale, abundant funds and good performance. The evaluation of insurance companies can mainly refer to the company's total assets, because this will directly affect whether the insured can get compensation or compensation; Secondly, we should also consider the company's total premium income, business network, number of policies, number of employees and past performance.

Note 2: Product category. The insurance products provided by a good insurance company should meet the following conditions: First, the products are complete; Second, the product has high flexibility, such as insurance period, payment method and preferential terms, which can provide greater convenience for the insured; Third, strong competitiveness is reflected in the services that products can provide.

Note 3: Service level and quality. Insurance product is a kind of financial service product, so when applying for insurance, we should pay attention to service level and quality. There are usually three ways to sell insurance products, namely: knocking at the door-the insurance company sends people to sell to customers; On-site service-the insured goes to the insurance company for insurance; Intermediary service-insurance companies sell insurance products to customers through brokers or agents.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.