What does property insurance include?

Generally speaking, property insurance has the following functions: (1) It can resist unexpected misfortune. Property insurance can make people's houses and related interests suffer losses due to natural disasters and accidents, get certain economic compensation, help affected families rebuild their homes quickly, and provide protection for the business activities of enterprises and people's daily life. (2) It can promote the reform of housing system. With the deepening of housing system reform, self-owned property has become an important part of many family properties. The safety of housing is very important to a family. Carrying out housing insurance can eliminate people's worries and promote the reform of housing system. (3) It can enhance the social disaster prevention and relief forces. The insurer of property insurance can check the safety of the insured's house and property, and make use of the experience accumulated in daily business activities to put forward reasonable suggestions to the insured to eliminate unsafe factors, thus promoting the protection of social wealth. Property management insurance mainly includes: house property insurance, property liability insurance, property life insurance and other property management insurance: (1) house property insurance. There are many classification standards of housing property insurance, which are divided into enterprise group property insurance and resident property insurance according to the types of policyholders; * According to the nature of housing, it can be divided into commercial housing insurance and self-owned housing insurance. The property insurance purchased by the property management company is mainly fire insurance, so that the owners can get timely compensation for the losses caused by the fire. (2) Property liability insurance. This is the economic compensation responsibility that the property professionals should bear for the damage caused by negligence or negligence in their work, and it is the legal responsibility to the third party to protect the property and personal safety of the owners. (3) Personal insurance in property management. Life insurance can be classified according to the hazards of insurance, which can be divided into three types: one is personal accident insurance; The second is health insurance, some of which are also called sickness insurance; The third is life insurance. (4) Other insurances in property management. Other insurance in property management refers to other types of insurance besides the above, mainly including the following types: ① financial insurance; ② Property liability insurance; ③ Investment value-added insurance; 4 property right insurance; ⑤ Quality liability insurance; ⑥ Comprehensive housing insurance; ⑦ Real estate installment insurance. Property management companies can choose some types of insurance according to the actual situation of residential quarters (buildings).

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.