When the reporter went to the Ping An Insurance Company Qi Branch, he learned that the family property insurance belongs to the simple insurance type. It does not need to provide the housing value certificate and the electrical appliance purchase invoice before the insurance. It is the insured person who chooses the appropriate according to the total value of the insurance. Insurance amount. When the insurance occurs, the insurance company compensates the actual loss within the insurance coverage. Once the insurance is out of danger, the insured can apply for a claim to the insurance company, provide a list of losses, and the insurance company will send a special person to verify the damage on the spot and check the loss in the fire. For the lost property, the insurance company will deduct the depreciation part of the loss mark when compensation is made. The company's Ms. Gao reminded the policyholders of the insured family property insurance to pay attention, please keep invoices for the insured property in order to make claims after the accident.
In general, in addition to covering fire liability, home property insurance provides other guarantees. For example, the damage caused by explosions, lightning strikes, heavy rains, and even the decoration and furniture damage caused by the bursting of water pipes in the home. There are also additional risks, such as third-party liability insurance, mainly to protect third-party property losses caused by accidents. In addition, customers can also choose "cash, gold and silver jewelry jewelry theft insurance", theft insurance and other additional risks according to their needs.
Disaster loss insurance, third-party liability insurance, and theft insurance all have their own insurance coverage. Customers can choose the insurance coverage of the package insurance, or they can choose their own. The insurance amount is the basis for calculating the insurance premium. Under the home property insurance policy, the loss caused by each risk, if it is lower than the corresponding insurance amount, can be fully paid; if the loss is greater than the insurance amount, the insurance amount is the compensation limit.