Matters needing attention in purchasing family property insurance
1. What is property insurance?
Property insurance is actually a broad concept. Material property and its related interests are the subject of insurance, including the family property insurance we are going to talk about today, as well as airplanes, vehicles, ships, factories and equipment. Taking intangible property and its related interests as the subject matter of insurance usually refers to various liability insurance and credit insurance. Such as public liability insurance, product liability insurance, employer liability insurance, occupational liability insurance, etc.
2. Precautions for purchasing property insurance before purchasing property insurance.
1. Family property insurance does not cover everything.
When insuring family property insurance, it should be noted that some family property insurance is uninsurable property. Houses, furniture, household appliances, household stationery, interior decoration, clothes and other items that can determine the actual value generally belong to the scope of insurance.
And gold and silver jewelry, ancient coins, antique calligraphy and paintings, works of art and other properties whose actual value is not easy to determine, if they want to be insured, they must be appraised by special appraisers, and can only be used as the subject matter of insurance after special agreement between the insured and the insurance company. In addition, some properties, such as cash, securities held, tickets, account books, technical data, computer software and materials, are uninsurable.
2. Don't over-insure.
Family property insurance shall be paid according to the principle of compensation, and compensation shall be paid according to the lower insured amount and property value. Therefore, even if it is over-insured, the insurance company will not compensate. Therefore, when we insure the family property insurance, we should determine the total value of the family property that can be guaranteed, and the insured amount should not exceed the actual value of the property, otherwise we will pay more premiums in vain.
For example, Zhang Sanjia's house and furniture were partially damaged because of a fire in his neighbor's house. After evaluation, a * * * caused an actual loss of 80,000 yuan. If Zhang San has a family property insurance with a coverage of 200,000 yuan, he can only get compensation of 80,000 yuan at most.
Don't insure more than one place.
After reading the above example, have you ever thought that since I can only compensate the lowest actual loss, I will find another insurance company to buy a home insurance policy, and then I can get double indemnity? In other words, what you buy is not as good as what you sell. Even if you buy a double family property insurance, when the property is damaged, the two insurance companies only share the actual loss of the property, and the insured does not get any additional benefits. Therefore, it is impossible to repeat the insurance industry, so don't waste money.
4. Fireproof, waterproof and not burglarproof
Usually, family property insurance only covers losses caused by two situations, one is natural disasters, such as earthquakes and floods; The other is an accident, such as a leak in a neighbor's house and a fire that harms his family. But what puzzles the planners is that if a thief enters the house and the property is stolen, it seems that it does not belong to the responsibility scope of property comprehensive insurance. The insurance company will not compensate the insured, and it is very contemptuous! Therefore, if the public security near your home is not good, there will always be thieves, so you'd better add an extra risk of theft to the property.
Whether to buy or not depends on the family's economic strength.
Some people say that people who buy property insurance are families with certain economic strength, and the planner silently agrees. If the family's economic foundation is weak, we have to adhere to the concept of "life is above everything else" and complete the life insurance configuration first. For families with a certain economic foundation, we can consider buying insurance for family property at the same time as buying personal insurance. However, we should pay attention to the scope of protection mentioned above, and we must not repeat insurance and over-insurance. Even if we buy property insurance, our annual premium expenditure should be controlled within a reasonable range, that is, between 5%- 15%.
There are many types of family property insurance, which one should I choose?
Ordinary family property insurance includes comprehensive family property insurance, additional family property insurance and all-inclusive family property insurance. Good planning advice. For most families, it is enough to buy all risks and additional risks. Because of its returnability, double insurance policy is not recommended because of its high premium.
After purchasing the comprehensive family property insurance, we should also buy some additional risks according to our special needs, such as theft insurance, home appliance safety insurance, cash, gold and silver jewelry theft insurance, credit card theft insurance, malicious damage insurance of doors and windows locks and so on.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.