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我想问一下装修保险有哪些

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我想问一下装修保险有哪些

浏览：32次 | 提问时间： 07-10 09:15

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4个答案

热情在退烧 07-10 09:16

据我了解，以前平安出过一款装修保险产品，但下架了。
我觉得装修保险的需求有以下这些：
1.因装修造成的房屋损失
2.装修中因施工导致火灾、爆炸、电击、高处坠落、物体打击等，造成施工方或第三方损失
3.水暖管破裂造成的我方及第三方损失
4.高空坠物导致的第三方损失
现在(2017-10-10)我没有找到一款能够保障以上装修风险的保险产品，而所谓家财险中的水暖管破裂都不保障因装修施工造成的损失。

Alsa゜卖萌不是罪 07-10 09:25

意外险比较多， 这里关于这类保险的购买有几点建议，希望您能参考下：
1、被保险人与保险标的物具有保险利益关系。如果家庭大部分财产出现了变更，一定要到保险公司进行保单内容的变更。
2、并非所有的家庭财产都能投保家财险。无法确定具体价值的财产(如字画、古玩)、日常生活必需品等不能投保家财险。
3、不要超额投保。保险公司在赔偿时遵循的是补偿性原则，对于超额投保的部分，保险公司不赔偿。不要超额投保和重复投保，最好的投保方法就是原值投保。
希望可以帮到你。

你是废物只会哭吗 07-10 09:33

家庭装修保险的保险责任有哪些一般来说，房屋装修过程中比较常见的风险是：房屋管道破裂、水管爆裂、爆炸等。房屋装修保险是针对装修过程中对火灾、水灾、水管爆裂、爆炸、雷电、暴风雨等多种原因造成家庭固定装修的损失提供保障的一种家财险，保额高达人民币10万元。
价格来源网络，仅供参考

哈哈怎能独自 07-10 09:41

根据您的情况，可以选择相应的房屋装修保险。
保障的是房屋本身及水电气等室内设施、装修及比较贵重的室内财产如家电、家具等，是家庭财产保障的核心，保额大小则建议从理赔的角度考虑。
投保相应的房屋装修保险您需要注意的是:
第一，投保人与标的物之间必须有可保利益，否则保险合同难以成立。
第二，不要超额投保，因为超额部分保险公司不予另外赔付。
第三，房屋装修保险若遇上责任风险时，保险公司有权向责任人索赔。
如果您不确定哪种房屋装修保险更加适合您，也可以前往保险公司或者网上保险平台根据您的需求进行选择。

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