First of all, property insurance does cover fires, explosions and other disasters. However, if the fire is caused by your personal gross negligence, such as forgetting to turn off the gas, or because your home circuit is short-circuited, or the wires are aging, it is not covered. As we all know, gas explosion, short circuit, wire aging and improper use of fire are important causes of family fires. Therefore, unless there is a gas station near your home that is afraid of exploding one day, there is really no need to buy it in general.

But a burst water pipe can be solved. But aging will not pay for it. Gross negligence is not worth it. If your water pipe bursts in a lukewarm autumn, the insurance company will say that your water pipe bursts not because it is extremely cold or hot, so it is not accompanied.

Second, theft and rescue. This requires an extra purchase. For example, if you think the property at home is worth about 654.38+ million, you buy100000. Suddenly one day, your high-end SLR, mobile phone and jewelry all fell off. What shall we do? Sorry, portable electronic products can only compensate 20%, * * * twenty thousand. Jewelry can only be paid 10%, which means 1 10,000. There is also a 20% deductible, that is, the compensation you get is 30 thousand instead of the actual value. Besides, this claim will be more troublesome. But I think this is still worth buying.