财产与责任保险.ppt

Property and Liability Insurance財產及責任保險 Homeowner’s Insurance Policies房屋保險 Cover multiple perils (e.g., fire, theft, storms, faulty household systems or appliances, riot, volcanoes, vehicles, aircraft)保障各種不同的保險(例如：火災、竊盜、暴風、房屋或是家電， 冰雹、龍捲風、汽車或行飛行器) Sold in six basic versions有六種型態出售 Six Basic Packaged Homeowner‘s Policies六種基本的房屋保單 HO-1: Basic form homeowner’s insurance基本式房屋保險 HO-2: Broad form homeowner’s insurance一般式房屋保險 HO-3: Special form homeowner’s insurance特殊房屋保險 HO-4: Renter’s or tenant’s insurance承租人或租屋保險 HO-6: Condominium owner’s insurance共同管轄公寓所有人保險 HO-8: Modified coverage – older homes homeowner’s insurance修繕保險-舊屋所有人保險 HO-1: Basic Form Homeowner’s Insurance 基本是房屋保險 Provides the most limited coverage提供非常少的保險項目 Not available in most states大部分的州皆無提供此保險 HO-2: Broad Form Homeowner’s Insurance一般式房屋保險 Covers only named perils僅承保列舉的危險 Costs about 5% to 10% more than HO-1 coverage保險項目成本比HO-1的多出5% - 10% HO-3: Special Form Homeowner’s Insurance特殊房屋保險 Covers all direct physical losses to your home – open perils protection 承保範圍涵蓋了所有直接實體房屋損失─提供所有開放風險的保護 Exceptions include floods, wars, earthquakes, and nuclear accidents被排除的危險有水災、地震、戰爭與核子意外 Costs approximately 10% to 15% more than HO-1 coverage保險項目成本約比HO-1的保險成本多出10% - 15% HO-4: Renter’s or Tenant’s Insurance承租人或租屋保險 Coverage is equivalent to HO-2 perils for personal property承保範圍與HO-2的相同皆為個人的財產 Available only to renters and tenants承保的對象為租屋人 Covers personal property rather than the dwelling承保範圍涵蓋財產但並無保護實際的住宅 Provides liability coverage in case an accident, causing damage to the structure, is your fault提供責任保險，當因你的過錯或意外導致房屋結構毀損時 HO-6: Condominium Owner’s Insurance共同管轄公寓所有人保險 Similar to HO-4 coverage, same perils for personal property as HO-2保險範圍與HO-4類似，同時其列舉危險與HO-2相同 Available to co-op and condo owners適用於合作公寓和共同管轄公寓所有人的保險 Also covers improvements you’ve made to the dwelling unit此外，還涵蓋建築上任何的改良或改變 HO-8: Older Homes Homeowner’s Insurance修繕保險-舊屋所有人保險 Similar to HO-1 insurance, or named perils與HO-1保險箱類似，或是列舉危險 Insure