Know what property insurance is and insure a safe family.

Family property insurance, also known as family property insurance, is an insurance with tangible property in our family as the subject matter, and it is also one of the main types of insurance for individuals and families. As long as the family property belonging to the insured is stored at the address specified in the insurance list, you can insure the family property insurance. Family property insurance can generally be divided into three categories: ordinary family property insurance, regular debt repayment family property insurance and interest rate linkage family property insurance. Among them, ordinary family property insurance can be subdivided into disaster loss insurance and theft insurance.

After understanding the definition and classification of family property insurance, let's understand the scope of family property insurance. Insurable property includes self-owned residential houses, interior decoration, decoration and ancillary facilities, and indoor family property. Unprotectable property can be divided into several categories: first, property with too high or incalculable value, such as gold and silver, jewelry, antiques, currency, ancient books, calligraphy and painting, etc. Secondly, it belongs to intangible assets and other categories, such as currency, savings passbook, securities, tickets, documents, charts, technical data, etc., and does not belong to actual material property; There are also illegal buildings, dangerous houses, and other properties in a dangerous state, which are not covered by family property insurance because of illegal or high insurance risks; In addition, motor vehicles such as motorcycles, tractors or cars, wireless communication equipment such as pagers and mobile phones, and poultry and livestock are not included, because these properties are too mobile for insurance companies to confirm the transfer of property; In addition, there are food, tobacco and alcohol, medicines, cosmetics, flowers, birds, fish and insects, bonsai trees and so on. It is impossible to insure because it is difficult to determine the value, although the value itself will change greatly over time.

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