How much is family insurance a year?

Lead: Reliability is the original intention of insurance, but so far insurance has become a technical means of risk management under the condition of market economy, which can be used to plan life finance or protect one's own finance, and is also an important pillar of social security system and financial system. As far as we know, there are many kinds of insurance, including life insurance and family insurance. However, today, Bian Xiao will introduce how much family insurance costs a year, and our friends already know.

family insurance

Home insurance is a kind of family insurance. Home insurance is the protection of houses and property losses caused by some natural disasters or accidents, such as explosions and fires. Home insurance is generally insured by residents or house owners, and some of them are insured by owners, and the insurance rate is between 0. 1%-0.2%. When a loss occurs, the insurance company will calculate and compensate the actual value of the house loss under the premise of not exceeding the insured amount, so how much will home insurance spend a year? Next, Bian Xiao introduced it to his friends.

How much is family insurance a year?

Generally speaking, the average price in home insurance will not be higher than that in 300 yuan. According to a survey by Bian Xiao, more and more homeowners buy100 ~ home insurance in 300 yuan every year. Of course, some insurances with higher coverage and more comprehensive insurance items will naturally cost more. Here are some insurance rates in Bian Xiao:

1. Ping An Family Property Protection Plan IV, the amount of housing loss insurance is as high as 1 10,000 yuan, including 50,000 yuan for indoor property, 1 10,000 yuan for houses and accessories, 1 10,000 yuan for comprehensive protection against theft and robbery, and110,000 yuan for rent loss. The insurance at home is 778 yuan a year.

2. Hua 'an Mantangfu Family Property Protection Plan B, the amount of family property protection can reach 3 million yuan, including 5,000 yuan for cash jewelry theft, 5,000 yuan for home appliance safety, 5,000 yuan for indoor property theft and 500,000 yuan for house and indoor property. The insurance at home is 325.75 yuan a year.

3. Sunshine family property comprehensive protection plan, the limit of family property protection is 165438+ ten thousand yuan, including150 thousand yuan for indoor installation, 165438+ ten thousand yuan for houses and accessories,150 thousand yuan for indoor property protection and 30 thousand yuan for indoor property theft. Family security for one year in 400 yuan.

Tips: Insurance at home is of course important, but in case of theft and robbery, Bian Xiao suggested that friends should choose a place with better property, better environment and better public security before renting or buying a house. Property is important, but personal safety must also be guaranteed.

Insurance classification:

Fixed value insurance

The insured amount of the house is determined according to the insurance valuation agreed by both parties at the time of insurance, and will not increase or decrease due to the rise and fall of the market value of the house. If the house suffers accidental damage, all losses shall be fully compensated according to the insured amount; If there is only partial loss, the compensation shall be made by multiplying the insured amount by the percentage of loss. For example, if a house is insured, the insurance valuation agreed by both parties is 6,543,800 yuan. When it was accidentally damaged, the market price of the house rose to 6.5438+200,000 yuan (or dropped to 800,000 yuan). A. In case of total loss of the house, compensation shall be made according to the insured amount 1 ten thousand yuan; B, if part of the loss, the loss is 70%-700,000 yuan (6,543.8+0,000 yuan ×70%).

Uncertain insurance

In this kind of insurance, the actual price of the subject matter insured is not stipulated in the insurance contract, and only the insured amount in the contract is the maximum compensation amount. When the insured house is accidentally damaged, the compensation is calculated according to the market price. For example A above, if the house is totally lost: the market price of the house rises to 6.5438+0.2 million yuan, and the compensation is 6.5438+0.0 million yuan; The market price of the house is reduced to 800,000, and the compensation is 800,000. B 70% of the house was partially lost, and the market price of the house rose to 6,543.8+0.2 million yuan, with an actual loss of 840,000 yuan (654.38+020× 70%) and compensation of 700,000 yuan (84× 654.38+000/654.38+020); When the market price fell to 800,000, the actual loss was 560,000 (80×70%) and the compensation was 560,000.

Replacement price insurance

The insured and the insurance company agree to determine the insurance amount according to the replacement value of the house. If the insured applies for insurance for the old house at the value equivalent to rebuilding the new house, he can get compensation at the replacement price once the house has an accident.

First dangerous liability insurance

This insurance method does not require the insured to fully insure the actual value of the house, but to insure according to the maximum loss that may occur in the accident. In the event of an insured accident, no matter what the proportion of the insured amount to the total property value, the insurer will pay compensation according to the actual loss as long as it is within the scope of the insured amount. If the appraised value of the house is 6,543,800 yuan, the agreed insurance amount is 500,000 yuan, and the loss caused by the insurance accident is 200,000 yuan, the insurer will compensate according to 200,000 yuan. Because the second part of the house value that exceeds the insured amount in this insurance method-the second insurance is not insured at all, it is called "the first risk liability insurance".

Insurance difference

The difference between family insurance and family property insurance

First, the scope of protection is different.

The scope of protection in home insurance is the building structure of the house; Home property insurance covers indoor property, including decoration, furniture and clothes.

Second, the risks faced by the subject matter of insurance are different.

The difference in the subject matter of these two insurances determines the difference in risks. The main risks faced by building structures are fire, explosion and natural disasters within the insurance scope. In addition to the risks faced by the building structure, there are also major risks such as theft and robbery, loss of family property after water pipes burst, and liability for compensation. Insured households who buy property insurance generally attach theft insurance, emergency rescue and water pipe burst insurance.

Third, compensation is handled differently.

The value of the subject matter insured in family insurance is easy to determine, and the subject matter insured generally does not change. Therefore, when you apply for insurance, you should be as full as possible to get enough protection. For those who are not fully insured, the insurance company will compensate them in proportion when they are out of danger. The subject matter of family property insurance shall be agreed by the applicant and the insurance company in advance. After the insured loss occurs, the insurance company shall compensate according to the actual loss amount within the limit of the insured amount. In general, the proportional sharing system is not applicable to family property compensation. The insured should read the insurance regulations carefully before taking out insurance to avoid unnecessary disputes when settling claims.

insurance

The insured amount in family insurance, that is, the amount of the subject matter insured, is the actual insured amount of the subject matter insured, the basis for calculating the insurance premium, and the highest amount that the insurer is responsible for compensation after the insurance accident. The amount of insurance in family insurance is generally determined by the valuation of the property, and the actual value of the property as the subject matter of insurance at the time of insurance is the insurance value. Within the scope of the insured value, the insurer and the insured determine the insured amount as the highest amount of insurance protection according to the insured's interest in the subject matter and his desire for protection. Because the purpose of family insurance is to compensate the actual losses suffered by the insured, the amount of family insurance is generally not higher than the actual value of the insured property. The second paragraph of Article 39 of China's Insurance Law also stipulates: "The insured amount shall not exceed the insured value; If it exceeds the insured value, the excess will be invalid. "

However, due to the large amount of property and the rapid price changes, it is impossible for the parties to the insurance contract to correctly evaluate the property one by one when they apply for insurance, and it is impossible to inform the other party of the property changes at any time. Therefore, according to the relationship between the insured amount and the actual value of the insured property, the insured amount can generally be divided into three situations:

(a) full insurance, also known as full insurance, refers to the insurance whose insurance amount is equivalent to the actual value of the property. In full insurance, if the market price changes, we should always pay attention to increasing or decreasing the insurance amount to keep it consistent with the market price. Full insurance is an ideal insurance. The insured can fully guarantee the value of the subject matter insured, and when the subject matter insured suffers losses, he can get full compensation according to the actual losses.

(2) Insufficient insurance, also known as low-amount insurance, refers to insurance in which the insured amount is lower than the actual value. The insufficient part should be regarded as the self-protection of the insured, and the insured can only get proportional compensation from the insurer after suffering losses. Paragraph 3 of Article 39 of the Insurance Law stipulates: "If the insured amount is lower than the insured value, unless otherwise agreed in the contract, the insurer shall be liable for compensation in proportion to the insured amount and the insured value." Insufficient insurance may occur when the insurance contract is concluded, or it may occur after the insurance contract is concluded. Due to the emergence of a specific factor, it can usually be summarized into the following three situations:

(1) The insured tries to save the insurance fee and voluntarily bears part of the risks;

(2) Due to the rise in real estate prices, the insurance amount was not adjusted in time, which made the original full insurance become insufficient insurance.

(3) In order to urge the insured to pay attention to the disaster prevention and loss prevention of the insured property, the insurer rigidly stipulates that the insured amount must be lower than the actual value of the property. If the property suffers losses, the insured must bear part of the losses himself.

(3) The insurance that the insured amount of the excess insurance is greater than the actual value of the property is called excess insurance. Overinsurance has three reasons:

(1) Because the insured wants to get more compensation than the actual loss after the insured accident, that is, because of the malice of the insured;

(2) Because the insured doesn't understand the market situation, it overestimates the value of the property, which is caused by the goodwill of the insured;

(3) Due to changes in objective conditions, such as fluctuations in market prices. For excess insurance, as mentioned above, the part exceeding the insured value is invalid.

Because the insurance amount is different, the compensation can be different, so it is very important to accurately estimate the value of housing property and reasonably determine the insurance amount. The insured amount of family property is generally determined by the insured according to the actual value. When the house suffers all losses due to disasters and accidents within the scope of insurance liability, it shall be paid according to the insured amount; If the insured amount is greater than the actual loss, it shall be paid according to the actual loss amount. If the insured house suffers some losses, the insurance company will calculate the compensation according to the market price and loss degree of the housing components; Losses below 50 yuan can be deductible. After part of the loss of the insured house is paid, the insurance policy will continue to be valid. The effective amount is the balance of the original insurance amount minus the compensation amount.

Meaning:

Family insurance can promote the development of production and stabilize people's lives by making economic compensation for the losses caused by natural disasters and accidents. Family insurance has the following main meanings:

1. A house that is conducive to the stability of people's lives is the most basic consumption material for people. Long use time and great value. When the insured's house suffers losses due to natural disasters and accidents, the insurance company can provide compensation in time, which can help the insured rebuild their homes and stabilize the life of the insured, thus providing protection for their daily production and life.

Second, it is conducive to promoting housing system reform. Home insurance brings a sense of security to buyers, thus promoting the increase of the proportion of individual buyers. In the past, due to public ownership of housing, home insurance was almost blank. In order to meet the requirements of the housing system reform, insurance companies have introduced new types of insurance to the society, such as self-purchased public housing insurance, commercial comprehensive insurance and housing liability insurance, which have relieved the worries of the majority of buyers and greatly promoted the housing system reform.

Third, it is conducive to safeguarding the interests of real estate operators. Real estate operators maintain established profits by spending a small amount of insurance premiums, and transfer the losses of houses and responsibilities and interests caused by specific dangers in the course of operation to insurance companies.

Fourth, it is conducive to enhancing the credit of the insured. Housing insurance can guarantee the safe return of housing mortgage loan, thus playing the role of improving credit and promoting financial intermediary. For example, if a house is used as collateral to apply for a bank loan, the bank will often require the applicant to insure his house to increase the guarantee value, so home insurance will help improve the credit of the owner of the house.

Verb (abbreviation of verb) Prevent disaster and reduce disaster losses Insurance companies must pay attention to the safety of the subject matter insured, actively carry out disaster prevention and loss prevention, and reduce payout ratio. Insurance companies also use their own experience and professional knowledge to guide the risk management of real estate operators, provide disaster prevention suggestions for the insured, conduct safety inspections, make suggestions, and urge the insured to take measures to eliminate hidden dangers.

At the same time, insurance companies also draw a certain proportion of disaster prevention funds from insurance premiums to fund relevant departments to increase disaster prevention facilities and carry out disaster research. For example, PICC Shanghai Branch presented a high-rise ladder imported from Germany to the municipal public security fire department in April 1988 for high-rise building fire protection.

Conclusion: After reading the introduction, I believe that all my friends know more or less about house property and home insurance, and I also hope that several insurance packages given by Bian Xiao can provide reference for my friends. Well, that's all for Bian Xiao's introduction. I wish my friends a happy life!

It's probably how much it costs to keep a family insurance for a year. I hope I can help you!

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