kuchi tribal jewelry wholesale in india According to the scope of the responsibility of family property insurance, the scope of the responsibility of the family property insurance is different, and it is divided into

wholesale jewelry website design Family property insurance is insurance based on the tangible property of urban and rural residents. Family property insurance provides timely economic compensation for residents or families 'property losses, which is conducive to stabilizing residents' lives and ensuring social stability. The family property insurance opened in my country in 2011 mainly includes ordinary household property insurance and family property.
The different family property insurance is divided into two types: disaster loss and theft insurance.
The insurance targets for disaster loss insurance include the owned property of the insured, the property managed by the insured, or the property shared by the insured and others. Generally include: 1. daily necessities, bedding; 2. furniture, utensils, interior decoration; 3. Household appliances, culture, entertainment supplies; 4. Agricultural tools, tools, agricultural and sideline products that have been harvested in rural families. The actual value of some family property is difficult to determine, such as gold and silver, jewelry, jade, jewelry, antiques, ancient books, calligraphy and painting, etc. These property must be appraised by professional appraisers. Then it was used as an insurance label.
The insurer usually does not underwrite the following family property: 1. Property that cannot determine specific values ​​after the loss, such as currency, tickets, securities, stamps, documents, books, charts, technical information, etc.; 2 , Daily consumer goods required for daily life, such as food, food, tobacco, alcohol, medicine, cosmetics, etc. 3. The law does not allow personal collection, storage or ownership, such as guns, ammunition, explosive items, drugs, etc. The property in a dangerous state; 5. The insurer starts from the needs of risk management to declare the property that is not underwritten.
The insurance liabilities stipulated in the losses of family property disasters include: a series of natural disasters and accidents such as fire, explosion, lightning, hail, flood, tsunami, earthquakes, mudslides, storms, air -run objects fall. The insurer does not pay compensation in principle for the insurer's premium expenditure for prevention of disaster accidents; however, after the disaster accident, the expenses of the expenses of the subject of rescue, rescue, and protecting insurance are actively rescued, rescued, and protecting the insurance. The insurer will be responsible for providing compensation as agreed.
The insurers who underwritten the property under the order of family property insurance are not liable for compensation due to the following reasons: 1. War, military operations or violence; Electric equipment is damaged by the use of excessive use, overvoltage, touching, arc flower, leakage, and heating itself; 4. The intentional behavior of the insured and their family members, service staff, and residents Either sneaky by outsiders, or losses caused by hooks outside the window, etc. 5. Other losses and costs within insurance liabilities that are not lined up in the family property insurance.
The insurance amount of household property insurance is determined by the insured person based on the actual value of the insured property. If the valuation is too low, the protection will be insufficient; if the valuation is too high, on the one hand, the premium will increase accordingly. On the other hand, when the actual disaster occurs, the insurer will use the principle of compensation and the actual value of the property as the upper limit of the compensation. Therefore, the insurer cannot rely on this to make a profit. The wise approach of the insured is to make an objective and reasonable valuation on the insurance property, so that the amount of insurance amount is as close to the actual value of the insurance as much as possible.
The insurance period for ordinary household property insurance is 1 year, that is, from zero date of the insurance policy, until 24:00 in the insurance period.
The insurance liability for theft insurance refers to theft of on -site traces in normal safety, resulting in loss of insurance property. Except for bicycles and helping vehicles, the scope of the insurance target specified in the theft insurance is exactly the same as that of family property and disaster loss. The insurers do not bear liability for insurers for the loss of theft or perverse behavior caused by the insured and their family members, family service staff, and residents. Essence The determination of the amount of theft insurance insurance and the provisions of the insurance period are the same as the disaster loss insurance.
The danger of household property is a kind of insurance type with economic compensation and expiration. It is different from ordinary family property insurance in terms of determination of insurance amounts. Family property The entire insurance is determined by the amount of insurance: 1,000 yuan per portal of urban residents, 2,000 yuan per copy of rural residents, and at least 1 copy. The specific number is based on the actual value of the insurance property. The insured pays the insurance deposit deposit at one time according to the insurance amount, and the insurer regards the interest of the insurance deposit as the premium. After the insurance period expires, regardless of whether the insurance period is performed during the insurance period, the insurer will refund the all insurance storage money.
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