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当人们用半生甚至是一生的积蓄,花巨款购买了一套住房且费尽心机进行装修后,这一巨额房产一旦遇到天灾人祸,怎样可以挽回损失?有资料表明:目前不知怎样投保住房险及对住房投保险种不熟的人占60％以上;自己主动投保的只占20％左右。这说明了解住房投保以及选择相关险种非常重要。 如果是贷款买房,可投保城镇居民贷款保险。该险种的保险责任是因火灾、爆炸、暴风、暴雨、洪水、龙卷风及空中坠落物造成投保房屋损坏。保期自贷款次日零时起到贷款还清之日止。按保险费率和保险金额,年保险费率为1‰。保险金额按购房合同的实际价值确定。保险公司目前开办的住房保险还有住房抵押保证保险、购房贷款定期人寿保险等。由于住房保险开办时间不长,因此在一些城市抵押保证保险还处于暂停阶段,但作为投保人还可选择其他贷款住房保险。
When people spend half a lifetime or even a lifetime savings spent a huge sum of money to buy a house and tried their best to renovate the huge real estate in the event of natural disasters, how can I recover the loss? There is data that: I do not know how to insure housing Insurance and housing investment insurance species are not familiar with more than 60%; their own initiative to insure only about 20%. This shows that understanding the housing insurance and the selection of the relevant insurance is very important. If it is a loan to buy a house, you can insure urban residents loan insurance. The insurance coverage of this insurance is damage to the insured premises caused by fire, explosion, storms, rainstorms, floods, tornadoes and airborne objects. Loan period from zero on the next day until the date of loan repayment only. According to the premium rate and the insured amount, the annual premium rate is 1 ‰. Insurance amount according to the actual value of the purchase contract to determine. Insurance companies currently run the housing insurance home mortgage guarantee insurance, purchase loans, regular life insurance. As the housing insurance started a short time, so in some cities mortgage insurance is still in the suspended phase, but as an insured person may also choose other loan housing insurance.