I lessor's liability insurance (homeowner's liability insurance)
Insure against personal injury and property loss (fire, explosion; Leakage of wires/electrical equipment; Gas leakage; Pipeline rupture; Structural failure, collapse, falling off or falling; Shelves, hanging objects fall). There is a problem to pay attention to: for example, 1. Can I rent my own house? A: No, the houses insured by this product should belong to commercial houses that have been delivered for use, not self-built houses. 2. Is the landlord's personal belongings insured? Answer: No, this product only covers the personal property losses of tenants caused by the landlord's responsibility, and does not cover the property losses owned or managed by the insured (landlord) and his family members. 3. What are the items other than creditor's rights in the lessee's personal property? A: Loss of property with no appraisal value, such as works of art, animals and plants, gold and silver jade articles, jewelry, antique calligraphy and painting, stamp currency, rare metals, securities, documents and account books, technical data and computer data; Indirect loss.
Second, family property insurance.
The most important type of insurance for individuals and families. Any family property belonging to the insured's own family property, which is stored and located at the address listed in the insurance list, can be insured with the insurer. The coverage of home property insurance generally includes houses and house decoration, clothes, bedding, furniture, gas appliance, kitchen utensils, musical instruments, sports equipment, household appliances, etc. Additional risks include theft, robbery, gold and silver jewelry, paper money, bond insurance and third party liability insurance.
In case of fire, explosion, natural disasters and other damages in the process of renting, if you buy insurance in this area, the insurance company will bear the property losses caused by these reasons, which can minimize your own losses.
What property can be insured and what property cannot be insured? 1. Insurable property: ① clothes and bedding; (2) Furniture, appliances and interior decoration; 3 household appliances, cultural and entertainment supplies; (four) farm tools and tools for rural families, agricultural products harvested and put into storage, and agricultural and sideline products; ⑤ The above-mentioned property managed by the Insured or owned by others and in charge of by the Insured.
2. Unprotected property: ① Property whose specific value cannot be determined after the loss, such as currency, tickets, securities, stamps, documents, account books, charts, technical materials, etc. ; (2) Consumer goods necessary for daily life, such as grain, grain, tobacco and alcohol, medicines, cosmetics, etc. ; (three) guns, ammunition, explosives, drugs and other property that individuals are not allowed to collect, keep or own by law. ; (4) Property in a dangerous state; ⑤ According to the needs of risk management, the insurer declares the property that will not be insured.
However, the purchase cost of renting a house with separate insurance is relatively high, so it is best to choose comprehensive insurance with a wide range of protection, even insurance products with the nature of compensation insurance.
Professional matters still need to consult a professional insurance broker, because those who can be insurance brokers are all compound talents, who are not only proficient in insurance professional knowledge, underwriting medicine and financial management, but also have excellent legal knowledge and business thinking, and can reasonably carry out the policy structure to help you realize various legal and reasonable needs such as effective inheritance of property, separation of family and enterprise, property protection and tax avoidance privacy. Only such a person can really stand on your side and maintain an objective and neutral attitude. If my answer is helpful to you, I hope you can give me a compliment. If you want to join the ranks of insurance brokers, please contact me. Welcome to communicate and interact.