To insure property insurance, you need to provide a "balance sheet", and then calculate the premium according to the total amount of property and the insured object. The rate of property insurance is considered in many aspects, which is generally related to the value of property.
The rates of basic insurance, comprehensive property insurance and property all risks are from bottom to top, and the average rate is about 1.2‰.
1. The premium rate is the ratio of the premium payable to the insured amount. (Rate = insurance premium/insurance amount) The insurance rate is the standard for the insurer to charge the insurance premium from the applicant according to the unit insurance amount. When an insurer underwrites an insurance business, it multiplies the insurance amount by the insurance rate to get the insurance premium that should be charged for the business.
2, the rate composition:
Pure insurance: loss rate of insurance amount+stability factor: (loss rate of insurance amount = total insurance indemnity/total insurance amount × 1000‰) Additional: (insurance business expenses+appropriate profit)/total pure insurance income.