Family property insurance
First, the scope of insurance property
Article 1 This insurance covers the following family assets:
House and its attachments;
Clothing, furniture, household appliances, cultural and entertainment products.
Article 2 The following properties are not covered by the insurance property:
Gold and silver, jewellery, jewellery, currency, securities, tickets, stamps, antiques, archives, books, technical materials, charts, livestock, flowers, trees, pets, cameras, audiovisual products and other property that cannot be valued;
Property in an emergency state of danger;
Property used for production and operation;
Other property not within the scope of the first article.
Second, insurance liability
Article 3 The insurance company shall be responsible for compensation for the losses caused by the following reasons at the address specified in the insurance policy:
Fire or explosion;
Lightning strikes, hail, snowstorms, floods, cliffs, tornadoes, ice, landslides and natural disasters cause subsidence or sinking;
Airborne objects fall and external objects collapse;
Storm or heavy rain caused the main structure of the house to collapse;
The insurance property stored in the room is subject to foreign, obvious traces of theft and robbery.
Article 4 After the occurrence of an insurance accident, the insured shall be responsible for compensation for the necessary and reasonable expenses for preventing or reducing the loss of the insurance property, but the maximum amount of compensation for this fee shall not exceed the amount of the insurance.
Third, the exclusion of responsibility
Article 5 The company shall not be liable for damages caused by the following reasons:
Earthquake, tsunami;
War, military operations, riots, strikes, confiscation, expropriation;
Nuclear reaction, nuclear radiation or radioactive contamination;
Intentional act or gross negligence of the insured or his or her family members;
The insurance property itself is defective, mismanaged, deteriorated, enzymatically rotted, damp, insect bites, and naturally worn.
Article 6 The company is not responsible for compensation for the following items:
Self-destruction of household appliances caused by excessive use or overvoltage, bumping, leakage, self-heating, etc.;
Stacked on the balcony or open-air property, or use the materials such as mats, straw, oil felt, straw, reed, bamboo poles, canvas, etc. as the outer wall, the roof of the shed and the shed under the shed, due to storms, heavy rain, theft or robbery The damage caused;
If the construction is not carried out as required, the foundation of the building will sink and the building will be damaged or collapsed.
Loss caused by the insured’s family members or hiring staff or cohabiting persons or boarding houses stealing or condoning others’ theft of insurance property;
Theft of the insured property in the event that the depository is unoccupied or unattended for more than seven days;
Theft of the insured property due to the lack of doors and windows;
Theft and robbery losses suffered by the insurance property in the event of an insurance accident listed in Articles 3, 2, 3 and 4 of this Article.
4. Insurance amount and insurance premium
Article 7 The amount of insurance shall be determined according to the actual value of the insurance property and shall be listed separately on the insurance policy.
Article 8 The insurance premium shall be paid in full at the time of signing the insurance contract at the rate of 3保险 of the insurance amount.
V. Compensation treatment
Article 9 When the insured claims, the insurance company shall provide the insurance policy, loss list and other necessary documents.
Article 10 When the insurance property suffers losses within the scope of insurance liability, the company shall calculate the compensation according to the actual value of the insurance property at the time of the accident, but the maximum amount shall not exceed the insurance amount listed in the insurance policy.
Article 11 After the insurance property suffers partial losses and the company compensates, the insurance contract continues to be valid, but the amount of insurance is reduced accordingly. The amount of reduction is issued by the company.
Article 12 After the loss within the scope of insurance liability shall be compensated by a third party, the insured may claim from the company or a third party. If the insured claims to the company, it shall transfer the right to subrogate the third party from the date of receipt of the indemnity. When the Company exercises the right of subrogation claim, the insured shall actively assist and provide the necessary files and relevant information to the Company.
Article 13 When an insurance accident occurs, if another insurance covers the same liability for the same insurance property, regardless of whether the insurance is insured by the insured or others, the company is only responsible for compensation.
Article 14 The time limit for the insured's claim shall not exceed two years from the date on which the insured event is known to occur.
6. The insured and the insured are obligated
Article 15 When insuring, the insured shall truthfully inform the company of the place and condition of the insured property and the relevant circumstances of the insured.
Article 16 The insured shall abide by the provisions of the State and relevant departments on fire protection, safety, etc., take reasonable precautions to prevent the occurrence of insurance accidents, and make reasonable suggestions for the elimination of unsafe factors and hidden dangers proposed by the company and relevant departments. Should be put into practice.
Article 17 When an insurance accident is issued, the insured shall endeavor to take necessary measures to prevent or reduce the loss and immediately notify the company.
Article 18 If the insured and the insured fail to perform the obligations stipulated in Articles 15 to 17, the company has the right to refuse compensation or terminate the insurance contract from the date of written notice.
Seven other matters
Article 19 After the insurance contract is established, the insured may apply for the cancellation of the contract at any time. The company may also issue a notice 15 days in advance to terminate the insurance contract. For the insurance premium during the period of the insurance contract, the former is charged at the short-term rate and the latter is charged on a daily basis.
Article 20 If the insured and the company cannot reach an agreement in dispute, they may apply to the arbitration authority for arbitration or bring a lawsuit to the court.
Article 1 This insurance covers the following family assets:
House and its attachments;
Clothing, furniture, household appliances, cultural and entertainment products.
Article 2 The following properties are not covered by the insurance property:
Gold and silver, jewellery, jewellery, currency, securities, tickets, stamps, antiques, archives, books, technical materials, charts, livestock, flowers, trees, pets, cameras, audiovisual products and other property that cannot be valued;
Property in an emergency state of danger;
Property used for production and operation;
Other property not within the scope of the first article.
Second, insurance liability
Article 3 The insurance company shall be responsible for compensation for the losses caused by the following reasons at the address specified in the insurance policy:
Fire or explosion;
Lightning strikes, hail, snowstorms, floods, cliffs, tornadoes, ice, landslides and natural disasters cause subsidence or sinking;
Airborne objects fall and external objects collapse;
Storm or heavy rain caused the main structure of the house to collapse;
The insurance property stored in the room is subject to foreign, obvious traces of theft and robbery.
Article 4 After the occurrence of an insurance accident, the insured shall be responsible for compensation for the necessary and reasonable expenses for preventing or reducing the loss of the insurance property, but the maximum amount of compensation for this fee shall not exceed the amount of the insurance.
Third, the exclusion of responsibility
Article 5 The company shall not be liable for damages caused by the following reasons:
Earthquake, tsunami;
War, military operations, riots, strikes, confiscation, expropriation;
Nuclear reaction, nuclear radiation or radioactive contamination;
Intentional act or gross negligence of the insured or his or her family members;
The insurance property itself is defective, mismanaged, deteriorated, enzymatically rotted, damp, insect bites, and naturally worn.
Article 6 The company is not responsible for compensation for the following items:
Self-destruction of household appliances caused by excessive use or overvoltage, bumping, leakage, self-heating, etc.;
Stacked on the balcony or open-air property, or use the materials such as mats, straw, oil felt, straw, reed, bamboo poles, canvas, etc. as the outer wall, the roof of the shed and the shed under the shed, due to storms, heavy rain, theft or robbery The damage caused;
If the construction is not carried out as required, the foundation of the building will sink and the building will be damaged or collapsed.
Loss caused by the insured’s family members or hiring staff or cohabiting persons or boarding houses stealing or condoning others’ theft of insurance property;
Theft of the insured property in the event that the depository is unoccupied or unattended for more than seven days;
Theft of the insured property due to the lack of doors and windows;
Theft and robbery losses suffered by the insurance property in the event of an insurance accident listed in Articles 3, 2, 3 and 4 of this Article.
4. Insurance amount and insurance premium
Article 7 The amount of insurance shall be determined according to the actual value of the insurance property and shall be listed separately on the insurance policy.
Article 8 The insurance premium shall be paid in full at the time of signing the insurance contract at the rate of 3保险 of the insurance amount.
V. Compensation treatment
Article 9 When the insured claims, the insurance company shall provide the insurance policy, loss list and other necessary documents.
Article 10 When the insurance property suffers losses within the scope of insurance liability, the company shall calculate the compensation according to the actual value of the insurance property at the time of the accident, but the maximum amount shall not exceed the insurance amount listed in the insurance policy.
Article 11 After the insurance property suffers partial losses and the company compensates, the insurance contract continues to be valid, but the amount of insurance is reduced accordingly. The amount of reduction is issued by the company.
Article 12 After the loss within the scope of insurance liability shall be compensated by a third party, the insured may claim from the company or a third party. If the insured claims to the company, it shall transfer the right to subrogate the third party from the date of receipt of the indemnity. When the Company exercises the right of subrogation claim, the insured shall actively assist and provide the necessary files and relevant information to the Company.
Article 13 When an insurance accident occurs, if another insurance covers the same liability for the same insurance property, regardless of whether the insurance is insured by the insured or others, the company is only responsible for compensation.
Article 14 The time limit for the insured's claim shall not exceed two years from the date on which the insured event is known to occur.
6. The insured and the insured are obligated
Article 15 When insuring, the insured shall truthfully inform the company of the place and condition of the insured property and the relevant circumstances of the insured.
Article 16 The insured shall abide by the provisions of the State and relevant departments on fire protection, safety, etc., take reasonable precautions to prevent the occurrence of insurance accidents, and make reasonable suggestions for the elimination of unsafe factors and hidden dangers proposed by the company and relevant departments. Should be put into practice.
Article 17 When an insurance accident is issued, the insured shall endeavor to take necessary measures to prevent or reduce the loss and immediately notify the company.
Article 18 If the insured and the insured fail to perform the obligations stipulated in Articles 15 to 17, the company has the right to refuse compensation or terminate the insurance contract from the date of written notice.
Seven other matters
Article 19 After the insurance contract is established, the insured may apply for the cancellation of the contract at any time. The company may also issue a notice 15 days in advance to terminate the insurance contract. For the insurance premium during the period of the insurance contract, the former is charged at the short-term rate and the latter is charged on a daily basis.
Article 20 If the insured and the company cannot reach an agreement in dispute, they may apply to the arbitration authority for arbitration or bring a lawsuit to the court.
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