Can private houses in China be insured?

With the continuous development of modern social economy, property has become a very important part of people's lives, and property insurance has also entered our lives. What does the scope of property insurance include? What things can be insured? The first is insured property. The scope of property insurance includes the following items: 1. Owned property, including houses and their ancillary equipment and other household property. 2: Owned house and its ancillary equipment. Three: clothing, luggage, furniture, cultural and entertainment supplies, transportation and other daily necessities. Cars and other means of transportation usually need to be insured separately; 4: Tools, agricultural implements, harvested agricultural and by-products; 5: Professional supplies such as tools, instruments, meters and other professional supplies; 6: Business tools and handicrafts for individual workers and individual traders. Tools, raw materials, commodities. The above-mentioned properties that the insured keeps on behalf of others or shares with others, such as renting a private house or borrowing public property, must be specially agreed between the insured and the insurer, and must be agreed upon between the insured and the insurer. We will only be responsible if it is stated on the policy. It should be pointed out that when the above properties suffer losses caused by natural disasters or accidents within the scope of insurance liability, as well as reasonable expenses incurred to rescue the insured property, the insurance company is responsible for compensation. Secondly, there are properties that the policy holder must make a special appointment with the insurer to insure. The scope of property insurance includes the following contents: 1. The actual value is difficult to determine and the value must be determined by a professional appraisal department or personnel, such as gold, silver, jewelry, Private collections of jade, jewelry, antiques, ancient books, calligraphy and paintings, etc. Most of these properties are valuable items, the rates are difficult to unify, and the risks are also very high. It is very difficult for the insurance company to insure them, and they must make a special agreement with the insurance company before they can insure them. 2: Professional instruments and equipment used by professionals to engage in amateur research and inventions at home, such as radio testing instruments, professional optical equipment, etc. Since different insurers have different regulations on the definition of insured property, some insurers also include the above-mentioned properties that must be specially agreed before they can be insured. In addition, there are some items that are not within the scope of property insurance. At present, most domestic companies generally do not provide coverage, including the following items: 1. Property whose specific value cannot be determined after the loss occurs, such as currency, bills, securities, Stamps, documents, account books, charts, technical information, etc. 2: Daily consumer goods necessary for daily life, such as food, grain, tobacco and alcohol, medicines, cosmetics, etc. Three: The law does not allow individuals to collect, keep or own property, such as guns, ammunition, explosives, drugs, etc. Four: Property in critical danger. 5: Based on the needs of risk management, the insurer declares that the property will not be insured. Above, we have classified and introduced the scope of property insurance from three aspects, which is very detailed. I believe that now you have a comprehensive understanding, so that you can be targeted and comfortable when purchasing property insurance.

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