What is encouraging to take out fire liability insurance or home property insurance?

Encourage property service enterprises, owners and property users to take out fire liability insurance or family property insurance.

Fire insurance is necessary. First of all, it can solve the instability of compensation after the fire, or bring help to families unable to repay their compensation responsibilities; Secondly, through this kind of insurance, you can play a role in preventing risks; The most important thing is to avoid the hidden dangers of the operators themselves and achieve a good fire safety environment. However, don't forget to check the fire liability insurance clauses, so as not to bring trouble to your subsequent claims. Enterprises want to insure fire liability insurance, and insurance companies will conduct risk assessment on the insured enterprises. Risk assessment includes checking the legality of the fire protection facilities of the insured unit and the previous fire situation. After the risk assessment, the insurance company will draw up premium and fire liability insurance clauses, and the insured enterprise can take out insurance according to its own situation. Before going out of danger, the insurance company will conduct a comprehensive survey of the location of the enterprise insured with fire liability insurance to determine whether the fire-fighting facilities of the insured enterprise are in good condition, and then determine the insurance limit according to the personnel composition of the enterprise. After investigating this series of projects, the insurance company can consider the content of the clauses of rate and fire liability insurance according to these, while retaining certain flexibility to protect the interests of customers and insurance companies. For example, if a company has complete facilities, tariffs, no fire at ordinary times, employees have a strong sense of fire control, and its geographical location is close to water sources, then the insurance cost will be relatively low; Conversely, the premium is high.

Ordinary family property insurance usually covers the insured's own family property at the address specified in the insurance contract, including the house and its ancillary equipment (such as water/air heating of fixed devices, pipeline gas, water/electricity supply equipment, kitchen equipment, etc.). ), interior decoration and indoor property (including furniture, household appliances, etc.). Consumers can protect their property by buying family property insurance. However, it should be noted that ordinary family property insurance does not cover precious property such as gold and silver, jewelry, antiques, calligraphy and painting, artworks, etc. If you want to insure such valuable finance, you can choose special property insurance products that contract such property.

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