Nine Mistakes That Residents Should Avoid In The Insurance Of Family Property

MS Fung

Property insurance plus theft insurance, the insurance period of two policies are all one year.

2006 "May Day" holiday, Ms. Feng went out.

From this case, it is obvious that Ms. Feng entered a misunderstanding when she was insured.

In fact, there are still many misunderstandings that residents can avoid easily entering when they buy family property insurance. If some misunderstandings are unclear, they may also incur insurance rejection after the loss occurs, which should arouse the attention of residents.

To sum up, residents should avoid nine major mistakes when they are insured for family property.

First, we should enter the weak misunderstanding of risk awareness and insurance awareness, neglect family risks, and think that insurance property insurance is not necessary.

Family life seems normal, but in fact there are many hidden risks, such as natural disasters, flooding loss, fire and explosion, indoor property theft, loss of household appliances, and so on.

It is basically impossible to avoid these risks completely. Therefore, the pfer of risks through the purchase of family property insurance should become the preferred means of risk prevention for residents.

It is not only necessary but also necessary to buy family property insurance.

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The two is to enter the mistaken idea of insurable property, assuming that it is insurable for family property.

Family property insurance is a kind of property insurance based on the tangible property of the residents. The insured object is all kinds of property stored by the urban and rural residents at a fixed address range and at a relatively static state, which mainly includes houses and their appendages, interior decoration and indoor property, as well as the reasonable and reasonable rental cost that the insured can not live in due to the reasons of the insurance liability within the insurance period.

However, some property that can not be determined after the loss occurs, the daily necessities such as food, tobacco, drugs, cosmetics, and the property, pportation, breeding and plant species that are not permitted by the law, such as digital cameras, communication tools, notebook computers and so on, are not insurable assets.

Such as gold and silver, jewelry, jewelry, currency, negotiable securities, tickets, stamps, antiques, documents, accounts, technical data, charts, livestock, flowers, trees, pets, credit cards, and other property that cannot be appraised value, such as computer software; property under emergency danger; property for production and operation, such as family owned, but used for business shops; in addition, all personal violation and private housing can not be insured for family property insurance.

Therefore, residents should pay enough attention when they are insured, so as to avoid paying premiums without insurance coverage.

The three is to enter the misunderstanding of insurance interests, and assume that anyone can act as an applicant.

The original interest of insurance interest is one of the basic principles of property insurance. It requires that there must be a certain interest relationship between the insured and the insured family property.

Under the precondition of insurable interest, the insured may insure the insurance company for personal property or property shared with others.

As for the mortgaged property of others obtained by creditor's rights, the creditor can also insure the family property insurance as an insured person, because the insured is responsible for his safety in possession of the property and thus has insurable interest.

However, the tenants who rent other people's houses do not have the insurance interest to the landlord's houses, so they can't be insured as the insured and their ancillary facilities.

But you can choose home liability insurance other than house property insurance {page_break}.

The four is to go into the misunderstanding of the scope of insurance liability, and assume that all losses caused by insurance will be insured.

In fact, the general family property insurance is only responsible for subsidence or subsidence due to fire, explosion, lightning, hail, snow disaster, flood, cliff collapse, tornado, ice, mud rock flow and natural disasters; falling objects in the air and falling objects from outside; storm or torrential rain has caused the collapse of the main building structure (external walls, roofs and roof frames); the insured property stored in the house has been compensated for property losses caused by theft and robbery.

However, the damage caused by the excessive use of electrical appliances, such as overvoltage, overvoltage, leakage, and self heating, and the defects of the insurance property itself, bad storage, deterioration, mildew, dampness, insect bites, and natural wear; and the failure to require the construction to cause the building foundation to sink and sink, the buildings to crack, collapse and so on are not liable for insurance; at the same time, the insurance company is not liable for damages caused by the earthquake, tsunami, war, military operations, riots, strikes, confiscation, expropriation, nuclear reaction, nuclear radiation or radioactive pollution, the loss of insurance property caused by intentional acts of family members older than 13 years old, or any third party liability or any cost.

Therefore, residents should pay attention to these exclusions when they are insured.

The five is to enter the mistaken idea of insurance product selection, and think that investment type family property insurance is better than insurance type property insurance.

The investment type family property insurance product is a kind of insurance which has the nature of economic compensation and due repayment. It also has the function of risk protection and investment income.

On the one hand, when the insurance loss occurs, the insurance company will be compensated. On the other hand, no matter whether there is any insurance compensation, the insured will get the principal and the proceeds after the insurance expires.

Therefore, some residents recognize that investment type family property insurance must be better than ordinary household wealth.

In fact, this idea is also one-sided. Investment type family property insurance products generally have a longer duration of insurance, and the amount of premium paid at a single time is also much higher. Moreover, the liquidity of this part of money is not strong enough, so it is suitable for families with idle funds and 2-3 years of no rush, and for some families, it may cause some economic burden.

Therefore, not every family is suitable to insure investment type family property insurance products.

Residents should choose suitable family property insurance products according to their real economic capacity and insurance needs.

The six is to go beyond the mistake of overloading insurance.

Excess insurance means that the insured amount is greater than the insured value when insurance is applied.

First, because of the goodwill or malice of the policyholder, the insurance amount is greater than the insurance value; two, after the insurance contract is concluded, the insured amount is greater than the insurance value when the insurance accident occurs.

If the former is an excessive insurance caused by the maliciously and attempting to gain improper interests, the insurance contract will be invalid until the former. If the excess insurance is caused by the fall in the market value of the insurance property, the amount of compensation should also be calculated according to the actual value of the insurance accident, and the insured amount is invalid, and the premium will not be refunded.

For example, when a family appliance is insured, the insured amount of a household appliance is 5000 yuan, and then the total loss of the household appliance is caused by an accident. At that time, the price of the new household appliance in the market was 3000 yuan, so the insurer was only responsible for compensation of 3000 yuan, not compensation for 5000 yuan.

Therefore, when purchasing family property insurance, the insured must seriously consider the value of family property, so as not to overspend insurance premiums because of excessive insurance, and it will outweigh the gains.

Seven is to enter the mistake area of insure insurance, think can save some insurance premium

Inadequately insured means that the insured amount is less than the insured value of the insured property when the customer is insured.

If the insured is not insured, if the loss occurs, the amount of compensation will be calculated according to the ratio of the insured amount to the insured value.

For example, Mr. Wu insured family property insurance, agreed that the insured amount of housing is 200 thousand yuan, and the sum of household appliances is 20 thousand yuan.

Two months after the insurance, Mr. Lin's imported color TV was hit by lightning and lost 8000 yuan.

After Mr. Wu reported damage to the insurance company, the insurance company confirmed that Mr. Wu's house value was 400 thousand yuan, while the total value of his household appliances was 40 thousand yuan.

In other words, Mr. Lin's insurance amount is actually 50% of the value of his insurance property.

Therefore, in order to insure the insurance in full, the compensation for Mr. Lin is 8000 yuan 50%=4000 yuan.

Therefore, residents must be insured in full in order to avoid losses.

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The eight step is to step into the mistake area of repeated insurance, and assume that double compensation can be obtained after being out of danger.

Double insurance means that the insured will insure family property to many insurance companies.

As a kind of property insurance, family property insurance also follows the principle of compensation. Residents' repeated insurance will not get more than the value of loss property after loss.

Residents can not make extra profits through insurance compensation.

The nine is to enter the mistaken idea of the insured's obligation to perform, and think that after taking the insurance, you can rest easy.

After the insured family property insurance, residents do not mean to survive, they can rest easy and do nothing.

Because if the insurance contract is within the validity period, the residents should also perform the necessary obligations, otherwise, they may not get compensation when the family property is insured.

If an insurance contract is required, residents should inform the insurance company truthfully about the location of the insured property, the status of the insured and the situation of the insured. The insured should also comply with the relevant provisions of the state and relevant departments on fire protection and safety, take reasonable precautionary measures to prevent the occurrence of the insurance accident, and make reasonable recommendations for the elimination of unsafe factors and hidden dangers by the company and the relevant departments. When the insurance accident occurs, the insured shall try to take necessary measures to prevent or reduce losses and notify the company immediately.

If theft occurs, the local public security bureau should be notified immediately.

If the insured fails to fulfill these obligations, the insurance company has the right to refuse compensation or to cancel the insurance contract.

In addition, if the insured house changes in ownership, the insured must declare it to the insurance company in time.

Otherwise, after the ownership changes, the insurable interest of the original policyholder and the insured property will disappear, and the original insurance contract will automatically terminate and become an invalid contract, which will surely cause potential insurance claims for future losses.

Similarly, if the address of the family property changes or the total value of the family property changes, it is necessary to apply to the insurance company in time to correct the original policy, so as to ensure that the insurance claim is left hidden after the loss occurs.

Dorgan insurance reminds us that residents should carefully read the clauses of insurance contracts before they are insured, and they should also strengthen the learning of insurance knowledge so as to avoid going wrong when they are insured. On the one hand, they may make the insurance coverage of the property not comprehensive enough; on the other hand, they can also cause unnecessary losses due to speculative psychology; and even more frightening is that they may also cause hidden dangers for future insurance claims, which are refused by the insurance company.