The house originally had a "shelf life", and it was a "big problem" to deal with maintenance after expiration. The country's first new trick played by the housing insurance vertical category, has won 50,000 family orders, can you "escort" your beloved home?
Many people at home will have this bad experience: the house is inexplicably leaking, the glass is exploding for no reason... What's even more infuriating is that when you go to the developer or property to make a claim, you are often told that these problems are not on the service list.
This exposes a big problem in the current housing service and maintenance: the warranty period of commercial housing in the mainland is 5 years, and once the "shelf life" has passed, the cost of maintenance can only be borne by themselves.
The hot growth of home insurance in Europe and the United States, taking the United States as an example, according to the data released by the American Association of Insurance Supervisors (NAIC), the largest business in the US property insurance market in 2018 was the private car insurance business, but it accounted for only slightly more than one-third, less than half. In other words, more than half of the business in the U.S. property insurance market is non-auto insurance.
Among them, the largest non-car insurance is home property insurance, accounting for about 15%. The home property insurance in the domestic market segment is still in the blue ocean, the current proportion is low, but maintain an upward growth year by year, with the expiration of the housing warranty ushered in by the peak period of real estate development in the past ten years, the future space is very large!
Perhaps for this kind of repair and post-maintenance, many people do not think so. But for the family lovers who buy their own houses, they love to have a home in the past. Especially in the event of water leakage, electrical and other accidents, it is too late to think about maintenance but regret it.
Just aiming at this market, there are only a few property insurance companies in China doing this, and there is a company called Aixiangjia Housing Insurance that has entered the housing maintenance market.
As the only housing insurance vertical institution in the country, there are 40,000 families insured in the Chengdu area of Chongqing alone, most of which are owners of quality communities such as Longhu and Jinke, who provide 8 categories and 40 TOP-level home maintenance services for insured owners, covering almost all aspects of home problems. With the application of all scenarios and timely and effective maintenance services, the "crab eaters" in this industry have won maintenance orders for 50,000 families in a short period of time, and most of them are Longhu owners who are very particular about the quality of life.
It is particularly noteworthy that this kind of insurance premium is low, hundreds to more than 1,000 yuan per year, far lower than the car insurance premium. Moreover, it is even possible to "customize the service" and customize the guarantee program according to the needs.
The data shows that the industry is a naked "blue ocean": in 2019 alone, the premium income of this insurance type in China was 9.1 billion yuan, and it is still growing. #Chongqing Headlines#
Do you understand this business model?
If you like home life, will you be willing to buy a safety insurance for your "love home"?
In any case, such a segment of the after-home service market is very worthy of attention.
