Category: Insurance tips Release Date: 2006-08-01
Real estate risks, mainly from property, liability, personal, etc., in China, real estate, insurance, more variety, here, the main description of the general investing public or the working-class housing-related concerns of insurance.
1. Real estate property insurance.
Real estate property insurance as a part of property insurance, the insured may be groups, legal persons, natural persons and so on, and the residents are mainly related to commercial residential insurance and self-purchase public housing insurance.
Commercial residential insurance is for the purchase of commercial housing for people in their homes purchased in the loss of an accident in a timely manner when financial compensation insurance. Since the purchase public housing insurance, residents of housing reform is in order to buy the insurance of the original public housing rental. Two kinds of liability insurance the same as a result of natural disasters caused property damage insurance, as well as to prevent the disaster or because of the spread of rescue, protection and other necessary measures results in the insurance property losses. Only the property covered house and its ancillary equipment and interior decoration materials and property. Insurance, usually for one year, and can be renewable. Insurance as required by both sides agreed.
2. Property Liability Insurance
Real Estate is also known as public liability insurance, it is mainly used in housing cover liability arising from the process.
3. Real Estate Life Insurance
Mainly refers to the houses were insured person sustained as a result of unintentional injuries caused to homes and the death or permanent disability by the insurer to pay the insurance amount of insurance.
4. Housing mortgage insurance
In order to protect the safety of its credit-related insurance by the borrower to make a kind of insurance, real estate belonging to a kind of insurance, real estate financing.
Mortgage insurance content:
First, the insurance, the object that is handling the housing mortgage loans to owners;
Property insurance is mainly second mortgages to buy houses, the other due to renovation, purchase and attached to the housing of the property insured is not a range;
Third, the insurance period, in line with the loan term. The mortgage period, if a borrower interruption insurance, loans, banks have the right on behalf of the insurance, the burden of all costs by the borrower;
Fourth, the insurance amount and premium, according to the purchase price of the fixed housing to determine the insurance amount;
Fifth, the insured obligations;
Sixth, damages.
