How much can I pay for a rural home insurance? What is the compensation?

Does rural home insurance insist on receiving work? Government guidance and voluntary participation of the masses? At present, this work has been carried out in many areas, and financial subsidies have been provided for Peng Li farmers to pay rural family insurance. How much does rural home insurance cost every year? How much can I pay? When can I claim for compensation? How to pay rural home insurance? Let's talk about these issues that everyone is most concerned about today.

1. How much does rural home insurance cost each year? What is the maximum compensation?

Yunfu City, Guangdong Province 1

The premium standard of Yunfu City in 2020 is 8.3 yuan/household/year, including 2 yuan at farmers' own expense, 4 yuan at the provincial level, 1. 15 yuan at the municipal level and 1. 15 yuan at the county level.

Claim standard Yunfu City stipulates that the basic insurance amount for each household is 80,000 yuan per year. See Article 8 of Yunfu Policy Farm House Insurance Agreement (20 19.07-202 1) for the specific compensation standard.

2. Mingxi County, Fujian Province

Mingxi county policy rural housing insurance premium standards include? Basic insurance? And then what? Superimposed insurance? . ? Basic insurance? The province's unified insurance method is adopted, and the provincial finance uniformly arranges the premium of 50 million yuan, which is not borne by the local finance and the farmers do not pay; ? Superimposed insurance? On the basis of basic insurance, farmers pay the insurance premium of 3 yuan/household, and the government subsidizes 9 yuan/household to insure farmers' houses. The provincial finance is responsible for paying farmers' superimposed premiums for the poor rural households in the province (low-income households, five-guarantee households with houses, and poor households with established cards).

Claim standard If ordinary farmers (including low-income households and poor households who have established a file card) have not participated in the superimposed insurance, the insurance claim limit for each household is 1 10,000 yuan; If ordinary farmers participate in the superposition insurance of rural houses, each household can get a maximum compensation of 25,000 yuan for houses damaged by disasters.

Judging from the above standards in Yunfu City, Guangdong Province and Mingxi County, Fujian Province, farmers in rural home insurance can get tens of thousands of yuan in compensation only by paying a few yuan in premiums every year. Of course, the premium standard and claim standard are different in each region, so please follow the local policy.

Second, under what circumstances can I claim compensation? Who can get the claim?

The following is the responsibility and object of claim settlement in Mingxi County, Fujian Province, for your reference.

1, Mingxi county stipulates that if rural houses collapse and are damaged due to the following reasons, the insurance company shall be responsible for claims settlement:

(1) Typhoon, flood, debris flow, fire, lightning strike, rain, snow, hail, low-temperature freezing, explosion, tornado, rainstorm, cliff collapse and sudden landslide (collapse);

(2) Flying objects and other flying objects fall;

(3) The collapse of foreign buildings and other fixtures that are not owned or used by the insured.

2. Mingxi County stipulates that if the insured falls into one of the following circumstances, the insurance company shall be responsible for the claim settlement:

(1) The head of household owns the rural household registration in this county and the rural houses located in towns (streets) or villages (residences). If the head of the household has only one farm house, the insurance company will be responsible for the claim regardless of whether he lives for a long time. If the householder owns more than one farm house, and the insured address is clear and accurate, the insurance company is responsible for making claims for the farm house at that address; If the insured address is vague and it is impossible to determine the specific farm house, the insurance company is only responsible for making claims for the farm house where one (department) currently lives. For insurance accidents involving multiple households with damaged farm houses, the insurance company is only responsible for making claims for residents with rural household registration in this county and the household registration address is consistent with the address of the house in danger.

(2) immigrants who have lived in administrative villages for a long time or lost their land for policy reasons and moved to non-agricultural housing.

In addition, Mingxi County stipulates that one of the following circumstances does not belong to the insured, and the insurance company is not responsible for claims: ① the household registration of the head of household is non-rural household registration; (2) Indoor decoration and indoor property, business storefront, production room, toilet (toilet) physically separated from residential farmhouses, farmhouses under construction, livestock houses, woodhouses, utility rooms and simple sheds; (3) Post-disaster temporary housing and new rural housing.

Third, how to buy rural home insurance?

Mingxi County stipulates that the premiums paid by ordinary farmers shall be arranged by the township government as a whole, collected by the administrative village as a unit, and the underwriting procedures shall be handled uniformly to ensure that the farmers' participation rate reaches 100%.

At present, some friends are still hesitant to pay home insurance. Personally, from the perspective of premium, the cost is not high, and it is ok to spend a few dollars or more to buy insurance for the house, especially in some areas where natural disasters occur frequently. what do you think?