|
|||||||||||||||
|
||||||||||||||||||
Data:2009-12-12 2:34
With the increasing consumer attitudes update, city people buy a house when you tend to go to bank loans. Application for commercial housing mortgage loans, the lending bank will require homeowners insurance home mortgage insurance to protect the interests of banks and business stability. Some people think that since the insured mortgage home insurance, housing has obtained insurance coverage, and then buy home property insurance is unnecessary.
In fact, this idea is not correct. Mortgage insurance is only covered because of the housing mortgage purchase housing, post-purchase due to renovation, modification or other reasons, a subsidiary of the acquisition of the property in the housing and other indoor property is not within the scope of protection of property. In other words, housing, insurance, mortgage insurance is only a house, in case of insurance, accident, house decoration, indoor furniture, appliances and other household property, do not receive compensation from the insurance company. For the housing part of the compensation, the lender may not be able to get full, because the housing mortgage bank is the first beneficiary of insurance, the insurance indemnity would let banks and bank debt net of the lender later, only to compensate the remaining part of the loan people. Housing mortgage insurance and thus can not achieve fully resolve family and property risks.
Therefore, the purchase of housing mortgage insurance after the insured household property insurance is still necessary. Insured property should include housing, decoration, furniture, household appliances, clothing and other kinds of family property, but housing can be considered appropriate reduction in the amount of the insurance, because in this area to protect you already have a part. In this way, occurrence of insured event, most of the losses can be compensated from the insurance.
