Family property insurance clause
This clause is divided into two parts: basic insurance and theft insurance. The insurer shall bear the insurance liability according to the provisions of the insurance contract.
Article 1, the subject matter of insurance
Any of the following family assets owned by the insured may be insured by the insurer at the place indicated in this insurance policy.
First, clothing supplies, bedding;
Second, furniture, appliances, interior decoration;
3. Household appliances, culture and entertainment products;
4. Agricultural tools, tools, agricultural products and sideline products that have been harvested in rural households;
5. Non-motorized vehicles;
Sixth, rations;
7. The property insured by the insured and the insurer, and uploaded on the insurance policy, is the property listed in paragraphs 1 to 6 of this article, which is insured by the insured or shared with others and is the responsibility of the insured;
8. Other legally recognized property that has an economic interest in the insured.
Article 2, no property
The following properties are not covered by the subject-matter:
1. Gold and silver, jewellery, diamonds, jade, jewelry, currency, tickets, securities, stamps, antiques, ancient coins, ancient books, ancient paintings, calligraphy and paintings, archives, books, charts, technical materials, poultry, livestock, flowers, trees , fish, birds, bonsai and property that cannot be valued;
2. Tobacco, alcohol, food, health products, medicines, cosmetics;
3. Other family property, illegally occupied property and property that is not listed in the first paragraph of the insurance policy.
Article 3, basic insurance liability
The insurer is responsible for compensation in accordance with the provisions of this article for the direct economic loss of the subject matter of insurance for the following reasons:
First, fire, explosion;
Second, lightning strikes, tornadoes, floods, floods, snowstorms, sudden collapse of the ground, cliffs, ice, earth and stone flow;
3. Falling of flying objects and other airborne objects, as well as the collapse of foreign buildings or other fixed objects;
Fourth, seasonal, regional rainwater recharge;
Fifth, the channel burst;
6. In the event of the above-mentioned insurance disaster accident, in order to prevent the spread of the disaster, or to rescue and protect the necessary measures taken, the loss of the subject matter of insurance and the reasonable cost of payment shall be incurred.
Article 4, theft insurance liability
It is stored in the insurance location indoors. The property that is uploaded on this insurance policy is insured by the insurer for the loss of theft due to the door of the outsider, the window, and the wall.
Article 5, Liability exemption
The insurer shall not be liable for damages caused by the following reasons:
1. War, hostile acts, military operations, armed conflicts, strikes, riots;
2. Nuclear reactions, nuclear radiation and radioactive contamination;
Third, the motor, electrical appliances, electrical equipment due to excessive use, over voltage, touch the line, arc flower, power, self-heating and other reasons caused by its own damage;
4. Intentional acts of the insured and its family members, waiters, and strangers, or collusion to indulge theft of others, or be easily stolen by outsiders, and losses caused by hooks outside the window;
5. All losses caused by the earthquake;
6. Other losses and expenses that are not within the scope of insurance liability.
Article 6. Insurance amount, insurance value and insurance rate
1. The amount of insurance shall be determined by the insured according to the actual value of the subject-matter insured, and shall be separately listed in accordance with the items of the insurance subject specified in the insurance policy;
2. The insurance value of family property is the actual value at the time of the risk;
Third, the basic insurance and additional insurance annual insurance rates are 2‰.
Article VII, insurance period
The insurance period is one year, from 0:00 on the next day of the order to 24:00 on the insurance expiration date. Renewal at the expiration of the period.
Article VIII, compensation treatment
1. The insurance subject suffers losses within the scope of insurance liability. The insurer calculates the compensation amount according to the actual loss and the market average price of the risky place on the day of the loss and the purchase period of the lost property, but the maximum compensation amount is limited to the insurance amount.
If there is more than one property in this policy, it shall be handled in accordance with the provisions of this article.
2. The salvage protection fee paid in accordance with Article 3, paragraph 6, of these Articles shall be calculated separately from the amount of damages for the insurance subject matter, each of which is limited to the amount of insurance.
3. The residual portion of the subject-matter insured shall be deducted from the insured at the agreed price and shall be deducted from the indemnity.
4. When the insured applies for compensation from the insurer, it shall provide the insurance policy, the loss list of the insurance subject, the technical appraisal certificate, the insurance notice, the insured expenses invoice and the necessary documents and the relevant department's certificate. All documents and certificates must be true and reliable and must not be fraudulent. If the insured’s fraud causes losses to the insurer, it shall be liable for compensation. After the insurer receives the document, it shall promptly examine and verify it. After the formalities are complete and the compensation agreement is reached, the compensation obligation shall be fulfilled within 10 days.
5. If an insured accident is caused by the third party’s liability for damages to the subject-matter insured, the insurer shall exercise the right of the insured to claim compensation from the third party within the amount of compensation from the date of payment of the indemnity to the insured.
6. After the insured has suffered partial losses, the insured amount shall be reduced accordingly, and the insurer shall issue a batch to indicate; when the accumulated compensation reaches the insured amount within the insurance period, the insurance liability of the insurance policy shall be terminated. The insurance party can terminate the contract according to law.
7. If there is duplicate insurance for the property underwritten by this insurance policy, the insurer shall be liable for compensation according to the principle of proportional loss.
8. After the indemnity, the insurance subject recovered by the case shall be owned by the insurer. If the insured is willing to take back the recovered property, the indemnity he has received must be returned to the insurer. The insurer may compensate the damaged part of the recovered property in accordance with the actual loss.
If the insured does not apply for a claim from the insurer for two years from the date of the loss of the subject-matter insured, the document specified in the fourth paragraph of Article 8 of these Articles shall not be provided, or from the date of the written notice of the insurer. If you do not receive compensation for two years, you will voluntarily give up your rights.
Article IX, the insured’s obligations
1. The insured shall calculate the insurance premium payable according to the one-year family property insurance premium rate stipulated by the insurer, and pay the insurance premium once before the insurance contract takes effect.
2. The insured shall perform the obligation of truthful disclosure and truthfully answer the inquiries made by the insurer regarding the subject matter of the insurance or the relevant circumstances of the insured.
3. Within the validity period of the insurance contract, if the insured changes the address of the insurance subject and the transfer of the right to the insurance subject, the insured shall notify the insurer in writing in advance and go through the formalities of approval according to the relevant provisions of the insurer.
4. When the subject-matter insured suffers losses, the insured shall actively rescue, reduce the losses to a minimum, and at the same time protect the scene, and immediately notify the insurer and report to the local public security or relevant departments.
5. If the insured fails to perform the obligations stipulated in paragraphs 1 to 4 of this Article, the insurer has the right to refuse compensation or terminate the insurance contract.
Article 10, other matters
If there is a dispute between the insured and the insurer due to this insurance, it shall be settled through negotiation. You can also apply for arbitration or file a lawsuit.
Article 1, the subject matter of insurance
Any of the following family assets owned by the insured may be insured by the insurer at the place indicated in this insurance policy.
First, clothing supplies, bedding;
Second, furniture, appliances, interior decoration;
3. Household appliances, culture and entertainment products;
4. Agricultural tools, tools, agricultural products and sideline products that have been harvested in rural households;
5. Non-motorized vehicles;
Sixth, rations;
7. The property insured by the insured and the insurer, and uploaded on the insurance policy, is the property listed in paragraphs 1 to 6 of this article, which is insured by the insured or shared with others and is the responsibility of the insured;
8. Other legally recognized property that has an economic interest in the insured.
Article 2, no property
The following properties are not covered by the subject-matter:
1. Gold and silver, jewellery, diamonds, jade, jewelry, currency, tickets, securities, stamps, antiques, ancient coins, ancient books, ancient paintings, calligraphy and paintings, archives, books, charts, technical materials, poultry, livestock, flowers, trees , fish, birds, bonsai and property that cannot be valued;
2. Tobacco, alcohol, food, health products, medicines, cosmetics;
3. Other family property, illegally occupied property and property that is not listed in the first paragraph of the insurance policy.
Article 3, basic insurance liability
The insurer is responsible for compensation in accordance with the provisions of this article for the direct economic loss of the subject matter of insurance for the following reasons:
First, fire, explosion;
Second, lightning strikes, tornadoes, floods, floods, snowstorms, sudden collapse of the ground, cliffs, ice, earth and stone flow;
3. Falling of flying objects and other airborne objects, as well as the collapse of foreign buildings or other fixed objects;
Fourth, seasonal, regional rainwater recharge;
Fifth, the channel burst;
6. In the event of the above-mentioned insurance disaster accident, in order to prevent the spread of the disaster, or to rescue and protect the necessary measures taken, the loss of the subject matter of insurance and the reasonable cost of payment shall be incurred.
Article 4, theft insurance liability
It is stored in the insurance location indoors. The property that is uploaded on this insurance policy is insured by the insurer for the loss of theft due to the door of the outsider, the window, and the wall.
Article 5, Liability exemption
The insurer shall not be liable for damages caused by the following reasons:
1. War, hostile acts, military operations, armed conflicts, strikes, riots;
2. Nuclear reactions, nuclear radiation and radioactive contamination;
Third, the motor, electrical appliances, electrical equipment due to excessive use, over voltage, touch the line, arc flower, power, self-heating and other reasons caused by its own damage;
4. Intentional acts of the insured and its family members, waiters, and strangers, or collusion to indulge theft of others, or be easily stolen by outsiders, and losses caused by hooks outside the window;
5. All losses caused by the earthquake;
6. Other losses and expenses that are not within the scope of insurance liability.
Article 6. Insurance amount, insurance value and insurance rate
1. The amount of insurance shall be determined by the insured according to the actual value of the subject-matter insured, and shall be separately listed in accordance with the items of the insurance subject specified in the insurance policy;
2. The insurance value of family property is the actual value at the time of the risk;
Third, the basic insurance and additional insurance annual insurance rates are 2‰.
Article VII, insurance period
The insurance period is one year, from 0:00 on the next day of the order to 24:00 on the insurance expiration date. Renewal at the expiration of the period.
Article VIII, compensation treatment
1. The insurance subject suffers losses within the scope of insurance liability. The insurer calculates the compensation amount according to the actual loss and the market average price of the risky place on the day of the loss and the purchase period of the lost property, but the maximum compensation amount is limited to the insurance amount.
If there is more than one property in this policy, it shall be handled in accordance with the provisions of this article.
2. The salvage protection fee paid in accordance with Article 3, paragraph 6, of these Articles shall be calculated separately from the amount of damages for the insurance subject matter, each of which is limited to the amount of insurance.
3. The residual portion of the subject-matter insured shall be deducted from the insured at the agreed price and shall be deducted from the indemnity.
4. When the insured applies for compensation from the insurer, it shall provide the insurance policy, the loss list of the insurance subject, the technical appraisal certificate, the insurance notice, the insured expenses invoice and the necessary documents and the relevant department's certificate. All documents and certificates must be true and reliable and must not be fraudulent. If the insured’s fraud causes losses to the insurer, it shall be liable for compensation. After the insurer receives the document, it shall promptly examine and verify it. After the formalities are complete and the compensation agreement is reached, the compensation obligation shall be fulfilled within 10 days.
5. If an insured accident is caused by the third party’s liability for damages to the subject-matter insured, the insurer shall exercise the right of the insured to claim compensation from the third party within the amount of compensation from the date of payment of the indemnity to the insured.
6. After the insured has suffered partial losses, the insured amount shall be reduced accordingly, and the insurer shall issue a batch to indicate; when the accumulated compensation reaches the insured amount within the insurance period, the insurance liability of the insurance policy shall be terminated. The insurance party can terminate the contract according to law.
7. If there is duplicate insurance for the property underwritten by this insurance policy, the insurer shall be liable for compensation according to the principle of proportional loss.
8. After the indemnity, the insurance subject recovered by the case shall be owned by the insurer. If the insured is willing to take back the recovered property, the indemnity he has received must be returned to the insurer. The insurer may compensate the damaged part of the recovered property in accordance with the actual loss.
If the insured does not apply for a claim from the insurer for two years from the date of the loss of the subject-matter insured, the document specified in the fourth paragraph of Article 8 of these Articles shall not be provided, or from the date of the written notice of the insurer. If you do not receive compensation for two years, you will voluntarily give up your rights.
Article IX, the insured’s obligations
1. The insured shall calculate the insurance premium payable according to the one-year family property insurance premium rate stipulated by the insurer, and pay the insurance premium once before the insurance contract takes effect.
2. The insured shall perform the obligation of truthful disclosure and truthfully answer the inquiries made by the insurer regarding the subject matter of the insurance or the relevant circumstances of the insured.
3. Within the validity period of the insurance contract, if the insured changes the address of the insurance subject and the transfer of the right to the insurance subject, the insured shall notify the insurer in writing in advance and go through the formalities of approval according to the relevant provisions of the insurer.
4. When the subject-matter insured suffers losses, the insured shall actively rescue, reduce the losses to a minimum, and at the same time protect the scene, and immediately notify the insurer and report to the local public security or relevant departments.
5. If the insured fails to perform the obligations stipulated in paragraphs 1 to 4 of this Article, the insurer has the right to refuse compensation or terminate the insurance contract.
Article 10, other matters
If there is a dispute between the insured and the insurer due to this insurance, it shall be settled through negotiation. You can also apply for arbitration or file a lawsuit.
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