1. The main body of the house means to pay compensation in case the house itself is damaged. For example, the house was burned down, the insurance company was responsible for reconstruction, the water pipe burst, and the insurance company was responsible for compensation for property losses. Therefore, this insurance amount is usually the renovation cost of the main structure of the house. Auxiliary buildings outside the main body of the house, such as independent garages, swimming pools and even fences.

2. Personal property refers to personal property in the house, such as household appliances, furniture, clothes, soft platinum bags, etc. If it is damaged or stolen, it can be compensated. Of course, if it is expensive jewelry, most general insurance policies can't solve the claims, so you need to buy another insurance.

3. compensate for the loss of residence. If the house is damaged and temporarily uninhabitable, this clause in the insurance policy can control your accommodation expenses during the reconstruction period.

4. Family accident liability insurance. If a guest has an accident in your yard, such as a guest slipping and hurting, and your dog bites the pizza delivery guy, he will sue you. At this time, even in other people's homes, you will ask for and be responsible for the related expenses, which are related expenses.

5. Medical expenses, no one likes to go to court. In fact, even Americans who are used to the court often dislike it. This clause can solve small claims before appeal.

6. Labor protection. If there are employees at home, such as housekeepers, maids, cooks, cleaners, gardeners, etc. You need this person to be responsible for accidents at work. Your father and mother-in-law come to help you take care of the children, because you don't pay.

1. Family property insurance belongs to the category of family property insurance, which mainly covers natural disasters and unexpected house losses, such as fire, explosion and lightning strike. Home insurance is generally insured by the owner or family, and the insurance rate is 0. 1-0.2%. When losses occur, the insurance company shall calculate compensation according to the actual value of the house, but it shall not exceed the insured amount.

Finally, it should be pointed out that if you suffer losses, you must inform your insurance company as soon as possible. If you have a great insurance broker, please let him see if he can settle the claim and whether it is worth it. Just like auto insurance, sometimes a small loss is not worth the trouble of the insurance company, otherwise the premium cannot be reduced. Home insurance is not based on the amount claimed, but on the amount claimed.

I hope I can help you.