房屋保险
什么是业主保险？
Home insurance, also commonly called hazard insurance or homeowner’s insurance (and often abbreviated in the US real estate industry as HO1), is a type of property insurance that covers a private residence.
It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
典型的业主保险范围
第一部分-财产险
- 范围A –住宅
Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter’s insurance) typically has no Coverage A, although it has additional coverages for improvements. - 范围B –其他结构
覆盖物业周围不用于商业的其他结构，除了私人车库。通常限制在承保范围A的10％到20％，并且可以通过背书获得更多金额。 - 承保范围C –个人财产
涵盖个人财产，对盗窃和丢失特定类别的物品（例如，200美元的金钱，钞票，金条，硬币，奖章等）有限制。通常，内容保险要求A覆盖率的50％到70％，这意味着消费者可能会为保险支付比必要多得多的费用。这导致人们呼吁更多选择。[14] - 承保范围D –使用损失/额外生活费用
承保与额外生活费用（即租金支出）和合理租金价值相关的费用（如果已租用部分住所），但是仅是该空间实际租金的租金收入而不是所提供的服务例如公用事业。 - 附加
Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord’s furnishing, and some building additions. These vary depending upon the form. - 排除项
在开放式风险政策中，本节将说明特定的排除项。这些通常包括土方运动，水灾，电力故障，疏忽，战争，核危害，化粪池备用费用，故意损失和因果关系（针对HO3）。[15] 并发因果排除不包括同时发生承保损失和被排除损失的损失。此外，将建筑条例排除在外可能意味着可能无法涵盖因当地条例而增加的费用。[16] 2013年对美国人的一项调查发现，有41％的人认为霉菌已被覆盖，尽管如果在一段时间内（例如通过漏水的管道）发生水害，通常不会覆盖霉菌。[17] - 洪水
洪水损害通常不包括在标准房主和房客保险政策中。但是，可以从国家洪水保险计划（NFIP）和一些私人保险公司那里以单独的保单形式获得洪水保险。[18]
第二节-责任范围
- Coverage 承保范围E-个人责任
Covers damages which the insured is legally liable for and provides a legal defense at the insurer’s own expense. About a third of the losses for this coverage are from dog bites.[19]
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