Home insurance: Insurance does not cover the home price.
In heavy rainfall, low-lying family homes or ground floors may be at risk of flooding. In this case, furniture and appliances may be damaged, and even decoration will be destroyed. Fire, explosion, natural disasters and falls are covered by home insurance. Flooding is one of the natural disasters that can cause houses to collapse, but more commonly, rainwater infiltrates walls, causing damage to furniture and appliances, appliances that need to be redone, or even redecorated. Therefore, when purchasing home insurance, it is recommended to add interior decoration and interior property to obtain comprehensive protection.
Home insurance is a product that provides protection for family property, including the main body of the house, the accessories of the house, the decoration of the house and some interior property. Generally, home insurance can cover three types of situations: fire, explosion, natural disaster and fall. Heavy rain is one of the natural disasters and is therefore covered by home insurance. Under normal circumstances, it is unlikely that heavy rainfall will cause serious indoor property damage due to house collapse, but heavy rain will cause rainwater to flood the wall and seep water, interior decoration needs to be redone, and electrical appliances are damaged. Therefore, when buying home insurance, it is best to add interior decoration and interior property to obtain comprehensive protection.
It is important to note that although home insurance can cover certain losses, insurance companies may have limits on reimbursement. What issues do I need to pay attention to when buying home insurance?
First of all, the sum insured by home contents insurance is not recommended to exceed the current value of the home. Home insurance follows the precautionary principle, once a claim occurs, it is based on the actual value of the property, so when applying for insurance, you need to choose the insurance amount according to the situation of your own property to effectively cover the loss of property insurance.
Secondly, different home insurance protection focuses are different, and it is recommended to purchase it on demand. For example, select guarantees for the characteristics of different regions. In addition, the production equipment, raw materials, inventory products, etc. of the enterprise are easily damaged in the rainstorm disaster, which in turn affects the normal production and operation of the enterprise. Therefore, businesses can choose to take out corporate property insurance.
The above is the content of this issue, and the next issue will introduce how agricultural insurance protects the interests of agricultural products in heavy rain.
Please follow me to make life better! To inquire about insurance or family trusts, call 15541615588. For insurance or family trust, please add a WeChat 13842733968.
