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房屋财产保险多少钱

房屋财产保险多少钱

浏览：48次 | 提问时间： 08-03 09:19

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胎记少女 08-03 09:19

房屋财产保险属于短期险种，一年缴费一次，大体分为基本保障型家财险和附加保障型家财险两类。前者最大特点是保费低廉，一般按保额或保费高低，提供多档次的定额保险方案供客户选择。房屋财产保险的保费一般从百元到千元不等，保险金额也从几十万到千万元不等，房屋的保险金额根据购置价或市价确定，室内财产的保险金额根据实际价值估价确定。

空白 08-03 09:28

您好！　　确定房屋财产保险保险金额的方式有三种：　　1、按照账面原值确定保险金额。账面原值指的是房产在建造或购置时所支出的货币总额。按账面投保是一种不足额的投保。　　2、按照账面原值加成数确定保险金额。账面原值成数即在保险人与被保险人协商一致的情况下，在房产账面原值的基础上再附加一个成数，使之趋近于重置重建价值。这种投保为足额投保（即保险金额相当于财产实际价值的保险）。　　3、按重置建成本投保，重置重建成本即重新购置或重新建造房屋所需支付的全部费用。在投保房屋财产保险时应细读保险责任，主要需要注意以下几个方面：第一，不是所有房屋财产都可以投保。家财险的保障范围涵盖房屋、房屋附属物、房屋装修及服装、家具、家用电器、文化*用品等。第二，家财险“按需投保”最经济。您在投保家财险时应事先和保险公司沟通，不要超额投保和重复投保。第三，保险标的发生变化应及时告知保险公司。对于家财险，保险合同内容的变更，投保人必须得到保险公司的审核同意，签发批单或对原保单进行批注后才产生法律效力。

阑夜微凉 08-03 09:36

给你参考：中国人保财险的标准是:保费最低57元/年，最高保额211万。不同保险公司的标准不一样。房屋财产保险叫家庭财产保险，即凡存放、坐落在保单列明的地址，属于被保险人自有的家庭财产，都可以向保险人投保房屋财产保险。主要保障家庭房屋及室内财产因自然灾害、火灾*、管道爆裂及室内盗抢造成的损失。根据被保险人的不同需要，房屋财产保险可以分为普通房屋财产保险（保险期限为1年期）、定期还本房屋财产保险（保险期限为1年期、3年期和5年期）。价格来源于网络，仅供参考。

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