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Data:2009-12-12 2:34
When individuals purchase loans, banks typically require man-made housing loans to purchase homes, insurance, property insurance with the family is essentially different from, their main difference is that:
1, the insurance coverage is different. Housing insurance coverage is the construction of housing structures; family property insurance coverage indoors and property, including decoration, furniture, clothing and so on.
2, the insurance risks faced by different subject matter. Two different decisions the subject of insurance of insurance of different risk. Construction of housing structure, the main risk is a fire, explosion, and insurance within the scope of natural disasters; family property addition to housing, structural risks, but also there is a big risk of raiding, after the pipe burst their family property the risk of loss and liability, buy home property insurance policy-holders generally attached Daoqiang Xian and water pipes burst risk.
3, compensation to deal with different. Housing insurance, the insurance easy to determine the value of the subject, and the subject matter of insurance generally will not change, so when the insured full coverage as possible in order to obtain adequate insurance coverage in full for non-insured, the insurance company will be in the proportion of time Chuxian compensation; family property insurance, the insurance subject of prior agreement by the insured and the insurance company. After the occurrence of insured losses, insurance companies, the amount of insurance within the limits of the actual amount of loss paid. Family property insurance generally does not apply when the payment system of proportional sharing. Policyholders in insurance, should carefully read the insurance terms, compensation in order to avoid unnecessary disputes.
