General family property insurance
1. General family property comprehensive insurance clause
Article 1 Where the insured owns, the following family property located in the address specified in this insurance policy shall be within the scope of the subject-matter insured.
1. The house and its indoor auxiliary equipment;
Second, the interior decoration;
Third, indoor property:
Household appliances and recreational and entertainment products;
Clothing and bedding;
Furniture and other living utensils.
The insured is free to choose to insure.
Article 2 The following property is specially agreed by the insured and the insurer and is uploaded on the insurance policy, which may be within the scope of the insurance policy.
1. The property stated in Article 1 of the insured's custody on behalf of others or shared with others and the insured is responsible;
2. Non-motorized agricultural machinery, agricultural tools and food and agricultural by-products stored in the hospital and indoors;
3. Other property as agreed by the insurer.
Article 3 The following family property is not within the scope of the insurance subject:
1. Gold, silver, jewellery, diamonds and products, jade, jewelry, ancient coins, antiques, calligraphy and painting, stamps, works of art, rare metals and other precious goods;
2. Currency, tickets, securities, files, books, books, charts, technical materials, computer software and materials, and property that cannot be valued;
3. Daily consumables, various means of transport, breeding and planting;
4. Property used for industrial and commercial production and business activities and houses leased for industrial and commercial purposes;
5. Wireless communication tools, pens, lighters, watches, various tapes, disks, and audio-visual laser discs;
6. Use the mat, straw, oil felt, straw, reed, bamboo raft, canvas, plastic cloth, cardboard, etc. for the outer wall, the roof of the simple shed and the firewood house, the livestock shed, the toilet and the wall that are not integrated with the insurance house. Uninhabited houses and property stored therein;
7. Houses requisitioned and occupied by relevant government departments, illegal buildings, dangerous buildings, illegally occupied property, and property under dangerous conditions;
8. Other family property not listed in Articles 1 and 2.
Insurance duty
Article 4 The insurer shall be responsible for compensation in accordance with the provisions of this article for the loss of the subject matter of insurance due to the following reasons:
First, fire, explosion;
Second, lightning strikes, typhoons, tornadoes, storms, heavy rains, floods, snowstorms, locusts, ice, earth and rock, cliffs, sudden landslides, sudden subsidence of the ground;
3. Flying objects and other airborne objects fall, and foreign buildings that are not owned or used by the insured are collapsed.
Article 5 The insured shall also be responsible for compensation for the following losses and expenses:
1. In the event of an insured event, in order to rescue the subject of insurance or to prevent the spread of the disaster, reasonable and necessary measures are taken to cause the loss of the subject matter of the insurance.
2. After the occurrence of an insurance accident, the insured shall bear the necessary and reasonable expenses for preventing or reducing the loss of the subject-matter insured.
Liability exemption
Article 6 The insurer shall not be liable for compensation for the loss of the subject-matter insured due to the following reasons:
1. War, hostile acts, military operations, armed conflicts, strikes, riots, looting;
2. Nuclear reactions, nuclear radiation and radioactive contamination;
3. Illegal, criminal or intentional acts of the insured and its family members, settlers and hiring personnel.
4. Direct or indirect losses caused by computer problems in 2000.
Article 7 The insurer shall not be liable for compensation for the following losses and expenses:
1. All kinds of indirect losses caused by insurance accidents;
2. All losses caused by the earthquake and its secondary disasters;
3. Household appliances are damaged by excessive use, overvoltage, short circuit, open circuit, electric leakage, self-heating, baking, etc.;
4. Family property located in flood storage areas, flood-stricken areas, or on the banks of rivers, low-lying areas and flood control dykes, which are below the perennial warning water level, all losses caused by floods;
5. The defects of the insurance target itself, damage caused by poor storage; the damage caused by the deterioration of the insurance target, the enzyme rot, the moisture, the insect bites, the natural wear, the natural loss, the spontaneous combustion, and the baking;
6. Losses and expenses caused by administrative and law enforcement actions;
7. Other losses and expenses that are not within the scope of insurance liability.
Insurance amount and insurance value
Article 8 The amount of insurance for houses and indoor auxiliary equipment and interior decoration shall be determined by the insured according to the purchase price or market price. The insurance value of the house and indoor accessories and interior decoration is the replacement value at the time of the accident.
The amount of insurance for indoor property is determined by the insured according to the actual value of the project at the time. Regardless of the project: According to the proportion of the major categories of property in the insurance amount, that is, household appliances and recreational and entertainment products in indoor property account for 40%, clothing and bedding products account for 30%, furniture and other household appliances account for 30%, Rural agricultural machinery and other parts accounted for 25%. The amount of insurance for special property is agreed by both the insured and the insurer.
Insurance period and insurance premium
Article 9 The insurance period is one year, three years and five years respectively. All from the time of the insurance policy from 0:00 on the date of the insurance to the 24th of the expiration date. When the insurance expires, the insurance liability is terminated by itself. Renewal at the expiration of the period.
Article 10 The insured shall pay the insurance premium according to the following provisions:
1. Insurance premium: The basic insurance premium rate and the additional insurance premium rate shall be implemented in accordance with the tariff schedule.
Second, the insurance will be surrendered in the middle, and the insurance premium will be calculated according to the average daily rate.
2. General family property comprehensive insurance clause
Care
Article 11 After an insurance accident occurs, the insurer shall calculate the compensation in the following manner:
1. Housing and indoor accessories, interior decoration:
When the total loss insurance amount is equal to or higher than the insurance value, the compensation amount shall not exceed the insurance value; when the insurance amount is lower than the insurance value, the compensation amount shall be compensated.
When the amount of partial loss insurance is equal to or higher than the insurance value, the compensation amount shall be calculated according to the actual loss; when the insurance amount is lower than the insurance value, the compensation amount shall be calculated by multiplying the repair cost required by the actual loss or the original condition by the ratio of the insurance amount to the insurance value. .
2. Calculation of compensation for indoor property: All losses and partial losses shall be paid according to the actual losses within the insurance amount of the sub-project.
3. Calculation of compensation for special insured property: Refer to paragraphs 1 and 2 of this article.
4. The necessary and reasonable rescue expenses paid by the insured shall be calculated separately according to the actual expenditure, and the maximum amount shall not exceed the insured amount of the damaged subject. If the insurance subject is compensated in proportion, the fee is also compensated in the same proportion.
Article 12 The remaining part of the subject-matter insured subject to the loss shall be discounted to the insured and deducted from the indemnity.
Article 13 When the insured applies for compensation from the insurer, it shall provide an insurance policy, a list of property losses, invoices, cost documents and certificates of the relevant departments. The documents and certificates must be true and reliable, and there must be no fraud.
Article 14 If the loss within the scope of insurance liability of the subject-matter insured shall be the third party responsible for compensation, the insured shall first claim from the third party. If the third party does not compensate, the insured should lodge a complaint. The insurer may compensate according to the insured's written compensation claim in accordance with the insurance contract, but the insured must transfer the right to recover from the third party to the insurer and assist the insurer to recover from the third party.
Article 15 After the insurance subject suffers partial losses in an insurance year and is compensated by the insurer, the amount of insurance shall be reduced accordingly. The effective insurance amount shall be the balance of the original sub-insurance amount minus the amount of damages for the sub-insurance subject. If the insured needs to restore the insurance amount, the corresponding insurance premium shall be paid, and the insurer shall issue the main solution of the batch. If the insurance is insured for three years or five years, the original insurance amount will be automatically restored in the next insurance year.
Article 16 If there is duplicate insurance in the property covered by this insurance policy, the insurer shall only be responsible for apportioning the loss according to the proportion.
Article 17 The insured shall not exercise the right to claim compensation from the insurer within two years from the date of knowing or ought to know the occurrence of the insured event, that is, it shall be invalidated as an automatic waiver.
Insured obligation
Article 18 The insured shall pay the insurance premium in one lump sum before the insurance contract takes effect. The insurance contract takes effect after the insured pays the insurance premium in one lump sum.
Article 19 The insured shall perform the obligation of truthful disclosure in respect of the subject matter of the insurance or the relevant circumstances of the insured.
Article 20 The insured shall comply with the relevant fire safety and safety regulations of the State and maintain the safety of the subject matter of insurance.
Article 21 Within the validity period of the insurance contract, if the address of the insured changes or the ownership of the subject matter of insurance is transferred, the insurer shall be notified in time, and the procedures for the correction shall be handled in accordance with the relevant provisions of the insurer.
Article 22 When the subject-matter insured suffers losses, the insured shall actively rescue the loss to a minimum, and at the same time protect the scene, and immediately notify the insurer to assist in the investigation.
Article 23 If the insured fails to perform the obligations stipulated in Articles 18 to 22, the insurer has the right to refuse compensation or to terminate the insurance contract.
something else
Article 24 If there is a dispute between the insured and the insurer due to this insurance, it may be settled through negotiation; if the negotiation fails to reach an agreement, the lawsuit may be filed.
Article 25 All agreements involving this insurance shall be in writing.
Article 1 Where the insured owns, the following family property located in the address specified in this insurance policy shall be within the scope of the subject-matter insured.
1. The house and its indoor auxiliary equipment;
Second, the interior decoration;
Third, indoor property:
Household appliances and recreational and entertainment products;
Clothing and bedding;
Furniture and other living utensils.
The insured is free to choose to insure.
Article 2 The following property is specially agreed by the insured and the insurer and is uploaded on the insurance policy, which may be within the scope of the insurance policy.
1. The property stated in Article 1 of the insured's custody on behalf of others or shared with others and the insured is responsible;
2. Non-motorized agricultural machinery, agricultural tools and food and agricultural by-products stored in the hospital and indoors;
3. Other property as agreed by the insurer.
Article 3 The following family property is not within the scope of the insurance subject:
1. Gold, silver, jewellery, diamonds and products, jade, jewelry, ancient coins, antiques, calligraphy and painting, stamps, works of art, rare metals and other precious goods;
2. Currency, tickets, securities, files, books, books, charts, technical materials, computer software and materials, and property that cannot be valued;
3. Daily consumables, various means of transport, breeding and planting;
4. Property used for industrial and commercial production and business activities and houses leased for industrial and commercial purposes;
5. Wireless communication tools, pens, lighters, watches, various tapes, disks, and audio-visual laser discs;
6. Use the mat, straw, oil felt, straw, reed, bamboo raft, canvas, plastic cloth, cardboard, etc. for the outer wall, the roof of the simple shed and the firewood house, the livestock shed, the toilet and the wall that are not integrated with the insurance house. Uninhabited houses and property stored therein;
7. Houses requisitioned and occupied by relevant government departments, illegal buildings, dangerous buildings, illegally occupied property, and property under dangerous conditions;
8. Other family property not listed in Articles 1 and 2.
Insurance duty
Article 4 The insurer shall be responsible for compensation in accordance with the provisions of this article for the loss of the subject matter of insurance due to the following reasons:
First, fire, explosion;
Second, lightning strikes, typhoons, tornadoes, storms, heavy rains, floods, snowstorms, locusts, ice, earth and rock, cliffs, sudden landslides, sudden subsidence of the ground;
3. Flying objects and other airborne objects fall, and foreign buildings that are not owned or used by the insured are collapsed.
Article 5 The insured shall also be responsible for compensation for the following losses and expenses:
1. In the event of an insured event, in order to rescue the subject of insurance or to prevent the spread of the disaster, reasonable and necessary measures are taken to cause the loss of the subject matter of the insurance.
2. After the occurrence of an insurance accident, the insured shall bear the necessary and reasonable expenses for preventing or reducing the loss of the subject-matter insured.
Liability exemption
Article 6 The insurer shall not be liable for compensation for the loss of the subject-matter insured due to the following reasons:
1. War, hostile acts, military operations, armed conflicts, strikes, riots, looting;
2. Nuclear reactions, nuclear radiation and radioactive contamination;
3. Illegal, criminal or intentional acts of the insured and its family members, settlers and hiring personnel.
4. Direct or indirect losses caused by computer problems in 2000.
Article 7 The insurer shall not be liable for compensation for the following losses and expenses:
1. All kinds of indirect losses caused by insurance accidents;
2. All losses caused by the earthquake and its secondary disasters;
3. Household appliances are damaged by excessive use, overvoltage, short circuit, open circuit, electric leakage, self-heating, baking, etc.;
4. Family property located in flood storage areas, flood-stricken areas, or on the banks of rivers, low-lying areas and flood control dykes, which are below the perennial warning water level, all losses caused by floods;
5. The defects of the insurance target itself, damage caused by poor storage; the damage caused by the deterioration of the insurance target, the enzyme rot, the moisture, the insect bites, the natural wear, the natural loss, the spontaneous combustion, and the baking;
6. Losses and expenses caused by administrative and law enforcement actions;
7. Other losses and expenses that are not within the scope of insurance liability.
Insurance amount and insurance value
Article 8 The amount of insurance for houses and indoor auxiliary equipment and interior decoration shall be determined by the insured according to the purchase price or market price. The insurance value of the house and indoor accessories and interior decoration is the replacement value at the time of the accident.
The amount of insurance for indoor property is determined by the insured according to the actual value of the project at the time. Regardless of the project: According to the proportion of the major categories of property in the insurance amount, that is, household appliances and recreational and entertainment products in indoor property account for 40%, clothing and bedding products account for 30%, furniture and other household appliances account for 30%, Rural agricultural machinery and other parts accounted for 25%. The amount of insurance for special property is agreed by both the insured and the insurer.
Insurance period and insurance premium
Article 9 The insurance period is one year, three years and five years respectively. All from the time of the insurance policy from 0:00 on the date of the insurance to the 24th of the expiration date. When the insurance expires, the insurance liability is terminated by itself. Renewal at the expiration of the period.
Article 10 The insured shall pay the insurance premium according to the following provisions:
1. Insurance premium: The basic insurance premium rate and the additional insurance premium rate shall be implemented in accordance with the tariff schedule.
Second, the insurance will be surrendered in the middle, and the insurance premium will be calculated according to the average daily rate.
2. General family property comprehensive insurance clause
Care
Article 11 After an insurance accident occurs, the insurer shall calculate the compensation in the following manner:
1. Housing and indoor accessories, interior decoration:
When the total loss insurance amount is equal to or higher than the insurance value, the compensation amount shall not exceed the insurance value; when the insurance amount is lower than the insurance value, the compensation amount shall be compensated.
When the amount of partial loss insurance is equal to or higher than the insurance value, the compensation amount shall be calculated according to the actual loss; when the insurance amount is lower than the insurance value, the compensation amount shall be calculated by multiplying the repair cost required by the actual loss or the original condition by the ratio of the insurance amount to the insurance value. .
2. Calculation of compensation for indoor property: All losses and partial losses shall be paid according to the actual losses within the insurance amount of the sub-project.
3. Calculation of compensation for special insured property: Refer to paragraphs 1 and 2 of this article.
4. The necessary and reasonable rescue expenses paid by the insured shall be calculated separately according to the actual expenditure, and the maximum amount shall not exceed the insured amount of the damaged subject. If the insurance subject is compensated in proportion, the fee is also compensated in the same proportion.
Article 12 The remaining part of the subject-matter insured subject to the loss shall be discounted to the insured and deducted from the indemnity.
Article 13 When the insured applies for compensation from the insurer, it shall provide an insurance policy, a list of property losses, invoices, cost documents and certificates of the relevant departments. The documents and certificates must be true and reliable, and there must be no fraud.
Article 14 If the loss within the scope of insurance liability of the subject-matter insured shall be the third party responsible for compensation, the insured shall first claim from the third party. If the third party does not compensate, the insured should lodge a complaint. The insurer may compensate according to the insured's written compensation claim in accordance with the insurance contract, but the insured must transfer the right to recover from the third party to the insurer and assist the insurer to recover from the third party.
Article 15 After the insurance subject suffers partial losses in an insurance year and is compensated by the insurer, the amount of insurance shall be reduced accordingly. The effective insurance amount shall be the balance of the original sub-insurance amount minus the amount of damages for the sub-insurance subject. If the insured needs to restore the insurance amount, the corresponding insurance premium shall be paid, and the insurer shall issue the main solution of the batch. If the insurance is insured for three years or five years, the original insurance amount will be automatically restored in the next insurance year.
Article 16 If there is duplicate insurance in the property covered by this insurance policy, the insurer shall only be responsible for apportioning the loss according to the proportion.
Article 17 The insured shall not exercise the right to claim compensation from the insurer within two years from the date of knowing or ought to know the occurrence of the insured event, that is, it shall be invalidated as an automatic waiver.
Insured obligation
Article 18 The insured shall pay the insurance premium in one lump sum before the insurance contract takes effect. The insurance contract takes effect after the insured pays the insurance premium in one lump sum.
Article 19 The insured shall perform the obligation of truthful disclosure in respect of the subject matter of the insurance or the relevant circumstances of the insured.
Article 20 The insured shall comply with the relevant fire safety and safety regulations of the State and maintain the safety of the subject matter of insurance.
Article 21 Within the validity period of the insurance contract, if the address of the insured changes or the ownership of the subject matter of insurance is transferred, the insurer shall be notified in time, and the procedures for the correction shall be handled in accordance with the relevant provisions of the insurer.
Article 22 When the subject-matter insured suffers losses, the insured shall actively rescue the loss to a minimum, and at the same time protect the scene, and immediately notify the insurer to assist in the investigation.
Article 23 If the insured fails to perform the obligations stipulated in Articles 18 to 22, the insurer has the right to refuse compensation or to terminate the insurance contract.
something else
Article 24 If there is a dispute between the insured and the insurer due to this insurance, it may be settled through negotiation; if the negotiation fails to reach an agreement, the lawsuit may be filed.
Article 25 All agreements involving this insurance shall be in writing.
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