企業財產保險投保單
投保人：_________
投保單號：_________
契約全文
┌──┬──────┬──────┬─────┬──────┬──────┐
││││ │ 費率 │ 保險費 │
││投保財產項目│ 以何種價值 │保險金額 │││
│││ 投保 │ （元） │ （‰）│ （元） │
│ 基 ├──────┼──────┼─────┼──────┼──────┤
││││ │││
│├──────┼──────┼─────┼──────┼──────┤
││││ │││
│├──────┼──────┼─────┼──────┼──────┤
│ 本 │││ │││
│├──────┼──────┼─────┼──────┼──────┤
││││ │││
│├──────┼──────┼─────┼──────┼──────┤
││││ │││
│ 險 ├──────┼──────┼─────┼──────┼──────┤
││││ │││
│├──────┼──────┼─────┼──────┼──────┤
││ 特 約 ││ │││
││├──────┼─────┼──────┼──────┤
││ 保 險 ││ │││
││├──────┼─────┼──────┼──────┤
││ 財 產 ││ │││
├──┴──────┴──────┴─────┴──────┴──────┤
│ 總保險金額人民幣（大寫）： │
├──┬──────┬──────┬─────┬──────┬──────┤
││││ │││
│ 附 ├──────┼──────┼─────┼──────┼──────┤
││││ │││
│ 加 ├──────┼──────┼─────┼──────┼──────┤
││││ │││
│ 險 ├──────┼──────┼─────┼──────┼──────┤
││││ │││
│├──────┼──────┼─────┼──────┼──────┤
││││ │││
├──┴──────┴──────┴─────┴──────┴──────┤
│總保險金額人民幣（大寫）： │
├────────────────────────────────────┤
│ 保險責任期限自_________年_________月_________日零時起 │
│ 至_________年_________月_________日二十四時止。│
├──────────┬─────────────────────────┤
│ 特 別 約 定 │ │
├──────────┴──────────────────┬──────┤
│ │本投保單未經│
│ 投保人人地址：_________ │ 本公司簽章 │
│ 電話：_________ │不發生法律效│
│ 聯繫人：_________│ 力。 │
│ 行業：_________ ││
│ 所有制：_________││
│ 占用性質：_________ ││
│ 開戶銀行：_________ │ │
│ 銀行賬號：_________ │ │
│ 財產坐落位置：_________ │ 保險 │
│ 共_________個地址：_________ │公司簽章│
│ ││
│ 本投保人茲聲明上述各項均屬事實，並同意以本投保 │ ______年 │
│ 單作為訂立保險契約的依據。 │ _______月 │
│ │_________日 │
│投保人簽章：_________ ││
│ _________年_________月_________日 ││
└─────────────────────────────┴──────┘
本保險也適用於國家機關、事業單位、人民團體投保。
經（副經）理：_________?????
經辦人：_________
一、保險財產
保險財產指在本保險單明細表中列明的財產及費用。
經被保險人特別申請，並經本公司書面同意，下列物品及費用經專業人員或公估部門鑑定並確定價值後，亦可作為保險財產：
（一）金銀、珠寶、鑽石、玉器；
（二）古玩、古幣、古書、古畫；
（三）藝術作品、郵票；
（四）建築物上的廣告、天線、霓虹燈、太陽能裝置等；
（五）計算機資料及其製作、複製費用。
下列物品一律不得作為保險財產：
（一）槍枝彈藥、爆炸物品；
（二）現鈔、有價證券、票據、檔案、檔案、帳冊、圖紙；
（三）動物、植物、農作物；
（四）攜帶型通訊裝置、電腦設備、照相攝像器材及其他貴重物品；
（五）用於公共運輸的車輛。
二、責任範圍
在本保險期限內，若本保險單明細表中列明的保險財產因以下列明的風險造成的直接物質損壞或滅失（以下簡稱“損失”），本公司同意按照本保險單的規定負責賠償。
（一）火災；
（二）爆炸，但不包括鍋爐爆炸；
（三）雷電；
（四）颶風、颱風、龍捲風；
（五）風暴、暴雨、洪水
但不包括正常水位變化、海水倒灌及水庫、運河、堤壩在正常水位線以下的排水和滲漏，亦不包括由於風暴、暴雨或洪水造成存放在露天或使用蘆席、蓬布、茅草、油毛氈、塑膠膜或尼龍等作罩棚或覆蓋的保險財產的損失；
（六）冰雹；
（七）地崩、山崩、雪崩；
（八）火山爆發；
（九）地面下陷下沉，但不包括由於打樁、地下作業及挖掘作業引起的地面下陷下沉；
（十）飛機墜毀、飛機部件或飛行物體墜落；
（十一）水箱、水管爆裂，但不包括由於鏽蝕引起水箱、水管爆裂。
三、除外責任
本公司對下列各項不負責賠償：
（一）被保險人及其代表的故意行為或重大過失引起的任何損失和費用；
（二）地震、海嘯引起的損失和費用；
（三）貶值、喪失市場或使用價值等其他後果損失；
（四）戰爭、類似戰爭行為、敵對行為、武裝衝突、恐怖活動、謀反、政變、罷工、暴動、民眾騷亂引起的損失和費用；
（五）政府命令或任何公共當局的沒收、徵用、銷毀或毀壞；
（六）核裂變、核聚變、核武器、核材料、核幅射以及放射性污染引起的任何損失和費用；
（七）大氣、土地、水污染及其他各種污染引起的任何損失和費用，但不包括由於本保險單第二條責任範圍列明的風險造成的污染引起的損失；
（八）本保險單明細表或有關條款中規定的應由被保險人自行負擔的免賠額；
（九）其他不屬於本保險單第二條責任範圍列明的風險引起的損失。
四、賠償處理
（一）如果發生本保險責任範圍內的損失，本公司選擇下列方式賠償：
１．按受損財產的價值賠償；
２．賠付受損財產基本恢復原狀的修理、修復費用；
３．修理、恢復受損財產，使之達到與同類財產基本一致的狀況。
（二）受損財產的賠償按損失當時的市價計算。市價低於保險金額時，賠償按市價計算；市價高於保險金額時，賠償按保險金額與市價的比例計算。如本保險所載項目不止一項時，賠款按本規定逐項計算。
（三）保險項目發生損失後，如本公司按全部損失賠付，其殘值應在賠款中扣除，本公司有權不接受被保險人對受損財產的委付。
（四）任何屬於成對或成套的項目，若發生損失，本公司的賠償責任不超過該受損項目在所屬整對或整套項目的保險金額中所占的比例。
（五）發生損失後，被保險人為減少損失而採取必要措施所產生的合理費用，本公司可予以賠償，但本項費用以保險財產的保險金額為限。
（六）本公司賠償損失後，由本公司出具批單將保險金額從損失發生之日起相應減少，並且不退還保險金額減少部分的保險費。如被保險人要求恢復至原保險金額，應按約定的保險費率加繳恢復部分從損失發生之日起至保險期限終止之日止按日比例計算的保險費。
（七）被保險人的索賠期限，從損失發生之日起，不得超過兩年。
五、被保險人的義務
被保險人及其代表應嚴格履行下列義務：
（一）投保時，被保險人及其代表應對投保申請書中列明的事項以及本公司提出的其他事項作真實、詳盡的說明或描述；
（二）被保險人及其代表應根據本保險單明細表和批單中的規定按期繳付保險費；
（三）在保險期限內，被保險人應採取一切合理的預防措施，包括認真考慮並付諸實施本公司代表提出的合理的防損建議，由此產生的一切費用，均由被保險人承擔；
（四）在發生引起或可能引起本保險單項下索賠的損失時，被保險人及其代表應：
１．立即通知本公司，並在七天或經本公司書面同意延長的期限內以書面提供事故發生的經過，原因和損失程度；
２．採取一切必要措施防止損失的進一步擴大並將損失減少到最低程度；
３．在本公司的代表或檢驗師進行勘查之前，保留事故現場及有關實物證據；
４．根據本公司的要求提供作為索賠依據的所有證明檔案、資料和單據。
六、總則
（一）保單效力
被保險人嚴格地遵守和履行本保險單的各項規定，是本公司在本保險單項下承擔賠償責任的先決條件。
（二）保單無效
如果被保險人或其代表漏報、錯報、虛報或隱瞞有關本保險的實質性內容，則本保險單無效。
（三）保單終止
除非經本公司書面同意，本保險單將在下列情況下自動終止：
１．被保險人喪失保險利益；
２．承保風險擴大。
本保險單終止後，本公司將按日比例退還被保險人本保險單項下未到期部分的保險費。
（四）保單註銷
被保險人可隨時書面申請註銷本保險單，本公司亦可提前十五天通知被保險人註銷本保險單。對本保險單已生效期間的保險費，前者本公司按短期費率計收，後者按日比例計收。
（五）權益喪失
如果任何索賠含有虛假成分，或被保險人或其代表在索賠時採取欺詐手段企圖在本保險單項下獲取利益，或任何損失是由被保險人或其代表的故意行為或縱容所致，被保險人將喪失其在本保險單項下的所有權益。對由此產生的包括本公司已支付的賠償在內的一切損失，應由被保險人負責賠償。
本公司的代表有權在任何適當的時候對保險財產的風險情況進行現場查驗。被保險人應提供一切便利及本公司要求的用以評估有關風險的詳情和資料。但上述查驗並不構成本公司對被保險人的任何承諾。
（七）重複保險
本保險單負責賠償損失、費用或責任時，若另有其他保障相同的保險存在，不論是否由被保險人或他人以其名義投保，也不論該保險賠償與否，本公司僅負責按比例分攤賠償的責任。
（八）權益轉讓
若本保險單項下負責的損失涉及其他責任方時，不論本公司是否已賠償被保險人，被保險人應立即採取一切必要的措施行使或保留向該責任方索賠的權利。在本公司支付賠償後，被保險人應將向該責任方追償的權利轉讓給本公司，移交一切必要的單證，並協助本公司向責任方追償。
（九）爭議處理
被保險人與本公司之間的一切有關本保險的爭議應通過友好協商解決。如果協商不成，可申請仲裁或向法院提出訴訟。除事先另有協定外，仲裁或訴訟應在被告方所在地進行。
七、特別條款
下列特別條款適用於本保險單的各個部分，若其與本保險單的其他規定相衝突，則以下列特別條款為準。
財產保險單
保險單號碼：
鑒於本保險單明細表中列明的被保險人向＿＿＿＿＿＿保險公司（以下簡稱“本公司”）提交書面投保申請和有關資料（該投保申請及資料被視作本保險單的有效組成部分），並向本公司繳付了本保險單明細表中列明的保險費，本公司同意按本保險單的規定負責賠償在本保險單明細表
中列明的保險期限內被保險人的保險財產遭受的損壞或滅失，特立本保險單為憑。
＿＿＿＿＿＿保險公司
＿＿＿＿＿＿
授權簽
簽發日期：＿＿年＿＿月＿＿日
簽發地點：
明 細 表
保險單號碼：
一、被保險人名稱和地址：
二、保險財產地址：
三、營業性質：
四、保險項目及保險金額
項 目 保險金額
（一）保險財產
１．建築物（包括裝修）：
２．機器設備：
３．裝置、家俱及辦公設施或用品：
４．倉儲物品：
５．其他：
（二）附加費用
１．清除殘骸費用：
２．滅火費用：
３．專業費用：
４．其他費用：
總保險金額：
五、每次事故免賠額：
六、保險期限：共＿＿＿個月。
自＿＿＿年＿＿月＿＿日零時起，至＿＿＿年＿＿月＿＿日二十四時止。
七、保險費率：
總保險費：
八、付費日期：
九、司法管轄
本保險單受中華人民共和國的司法管轄
十、特別條款
財產險保單明細表
＿＿＿＿＿＿保險公司
property insurance clauses
whole doc.
i. the property insured
the property insured shall refer to all properties and expenses spe-
cified in the schedule of this policy.
unless specifically agreed upon in writing between the insured and the
company and appraised and value-established by professionals or assessors,
the following articles and the expenses relevant thereto shall not be
covered under this policy:
1. gold, silver, pearls, diamonds, precious stones and jades;
2. antiques, articles of virtue, ancient coins, ancient books and
ancient paintings;
3. works of art or postage stamps;
4. advertisements, aerials, neon, pieces of solar energy apparatus
etc. on buildings;
5. computer system records or its making and copying costs.
under no circumstances shall the following articles relevant thereto
be covered hereunder:
1. guns, ammunition or explosives;
2. banknotes, securities, bills, documents, files, account books or
drawings;
3. animals, plants and agricultural crops;
4. mobile phones, portable computers, removable photograph apparatus
or other precious articles;
5. vehicles licensed for general transport use.
ii. scope of cover
the company shall indemnify the insured in respect of the physical
loss of or damage to the insured property stated in the schedule during
the period of insurance directly arising from the following perils:
1. fire;
2. explosion;
but not including explosion of a boiler or other pressure relief
devices;
3. lightning;
4. hurricane, typhoon and tornado;
5. storm, tempest and flood;
but not including loss or damage caused by change in normal water
level or inundation from sea water or water escape or leakage from the
normal confines of any natural water course, lake or reservoir, canal or
dam as well as loss of or damage to the insured property caused by storm,
tempest or flood while being stored in the open or covered by or under a
shed thatched with reeds, tarpaulins, straw, asphalt felt, plastic or
nylon sheet;
6. hailstorm;
7. landslide, rockslide, avalanche;
8. volcanic explosion;
9. subsidence of ground;
but not including loss or damage resulting from pile driving,
groundwork or excavation;
10. crashing aircraft and parts or articles falling from aircraft and
other flying objects;
11. bursting of water tank or pipe;
but not including bursting of water tank or pipe due to rust.
iii. exclusions
this company shall not be liable for:
1. loss of or damage to the insured property or expenses caused by
intentional act or gross negligence of the insured or his representative;
2. loss of or damage to the insured property caused and expenses
incurred by earthquake or tsunami;
3. depreciation, loss of market, loss of use and other consequential
losses of any description;
4. loss of or damage to the insured property or expenses incurred
arising from war, warlike operation, hostilities, armed conflicts,
terrorism, conspiracy insurrection, coup d'etat, strike, riot, and civil
commotion;
5. confiscation, requisition, destruction or damage by any action or
order of any government de jure or de facto or by any public authorities;
6. loss of or damage to insured property directly or indirectly caused
or expenses incurred by nuclear fission, nuclear fusion, nuclear weapon,
nuclear material, nuclear radiation and radioactive contamination;
7. loss or damage caused and expenses incurred by pollution of any
kind or description whatsoever such as atmosphere, land and water
pollutions but this does not include loss or damage caused by pollution
arising from perils specified in article ii the policy;
8. the deductibles stated in the schedule to be borne by the insured;
9. loss or damage arising from any other perils not listed in article
ii of this policy.
iv. treatment of claim
1. the company shall at its option, indemnify the insured in respect
of loss or damage falling within the scope of cover of the policy by
either:
1.1 paying the amount of the actual value of the property lost or
damaged or;
1.2 paying the necessary cost of repairing or restoring the damaged
property to its nearest condition immediately preceding the damage or;
1.3 repairing or restoring the damaged property to a condition near to
other property of like kind and quality.
2. indemnity under this policy shall be based upon the sound market
value of the property prevailing at the time of loss. if the sound market
value of the damaged property is lower than the sum insured of such
property, the claim shall be settled on its market value; if the sound
market value of the property is in excess of the sum insured, the company
shall only be liable for such proportion of the claim as the sum insured
of the damaged property bears to its sound market value. if the insured
property enumerated in the schedule is more than one item, the provision
of this clause shall apply to each thereof.
3. if a claim for loss of or damage to the insured item is settled on
a total loss basis, the salvage value of such item shall be deducted from
the indemnity payable by the company. the company may, at its option,
decline the abandonment of any damaged property by the insured.
4. in the event of loss of or damage to any equipment item insured
forming part of a pair or set, the company shall not be liable in respect
of each of such item lost or damaged for more than its proportionate part
of the sum insured on the complete pair or set.
5. in the event of any loss occurrence, the company shall also pay the
insured for the expenses reasonably incurred for taking necessary measures
to minimize loss or damage to the least extent, but in no case shall such
expenses referred hereto exceed the sum insured of the insured property.
6. upon settlement of a claim, an endorsement shall be issued by the
company to reduce the sum insured corresponding to the property lost or
damaged by the amount so settled from the date of loss, and no premium
shall be refunded for the amount so reduced. if reinstatement of the sum
insured is required by the insured upon settlement of the claim, an
additional premium for the reinstated amount shall be charged at an agreed
rate, and be calculated on pro rata daily basis from the date of loss to
the expiry of the insurance.
7. the time of validity of a claim under this insurance shall not
exceed a period of two year counting from the date of loss.
v. insured's obligations
the following obligations shall be strictly fulfilled by the insured
and his representative:
1. the insured and his representative, when applying for insurance
shall make true answers or descriptions to the questions in the proposal
and questionnaire or to any other questions raised by the company.
2. the insured and his representative shall pay to the company in due
course the agreed premium in the manner as provided in the schedule and
endorsements.
3. during the period of this insurance, the insured shall at his own
expense take all reasonable precautions, including paying sufficient
attention to and putting into practice the reasonable recommendations of
the company, prudently selecting the workmen and employees and complying
with all statutory regulations and safety operation procedures.
4. in the event of any occurrence which gives or might give rise to a
claim under this policy, the insured or his representative shall:
4.1 notify the company immediately and within seven (7) days or any
further period as may be agreed by the company in writing, furnish a
written report to indicate the course, probable reason and extent of loss
or damage;
4.2 take all necessary measures to avoid aggravation of the loss or
damage and minimize it to the least extent;
4.3 preserve the spot affected and defective parts before an
inspection is carried out by a representative or surveyor from the
company;
4.4 furnish all such information and documentary evidence as the
company may require for supporting the claim.
vi. general conditions
1. policy effect
the due observance and fulfilment of the terms and conditions of this
policy in so far as they relate to anything to be done or complied with by
the insured shall be a condition precedent to any liability of the company
under this policy.
2. policy voidance
this policy shall be voidable in the event of misrepresentation,
misdescription or non-disclosure made by the insured or his representative
in any material particular in respect of this insurance.
3. policy termination
unless its continuance be admitted by the company in writing, this
policy shall be automatically terminated if:
3.1 the insurable interest of the insured is lost;
3.2 the risk of loss or damage is increased.
after termination of the policy, the premium shall be refunded to the
insured calculated on pro rata daily basis for the period from the date of
termination to the date of expiry.
4. policy cancellation
this policy may be canceled at any time at the request of the insured
in writing or at the option of the company by giving a fifteen (15) days
prior notice to the insured. in the former case the company shall retain a
premium calculated on short term rate basis for the time the policy has
been in force while in the latter case such premium shall be calculated on
pro rata daily basis.
5. forfeit of benefit
if the claim is in any respect fraudulent, or if any fraudulent means
or devices are used by the insured or his representative to obtain any
benefit under this policy or if any loss or damage is occasioned by the
intentional act or in the connivance of the insured or his representative,
then in any of these cases, all the rights and benefits of the insured
under this policy shall be forfeited, and all consequent losses arising
therefrom including the amount of claim paid by the company shall be
indemnified by the insured.
6. reasonable inspection
the representative of the company shall at any suitable time be
entitled to attend the site and inspect or examine the risk explosure of
the property insured. for this purpose, the insured shall provide full
assistance and all details and information required by the company as may
be necessary for the assessment of the risk. the above mentioned
inspection or examination shall in no circumstances be held as any
admission to the insured by the company.
7. double insurance
should any loss, damage, expenses or liability recoverable under the
policy be also covered by any other insurance, the company shall only be
liable to pay or contribute his proportion of the claim irrespective as to
whether the other insurance is arranged by the insured or others on his
behalf, or whether any indemnification is obtainable under such other
insurance.
8. subrogation
where a third party shall be held responsible for the loss or damage
covered under this policy, the insured shall, whether being indemnified by
the company or not, take all necessary measures to enforce or reserve the
right of recovery against such third party, and upon being indemnified by
the company, subrogate to the company all the right of recovery, transfer
all necessary documents to and assist the company in pursuing recovery
from the responsible party.
9. dispute
all disputes under this insurance arising between the insured and the
company shall be settled through friendly negotiations. where the two
parties fail to reach an agreement after negotiations, such dispute shall
be submitted to arbitration or to court for legal actions. unless
otherwise agreed, such arbitration or legal action shall be carried out in
the place where the defendant is domiciled.
vii. special provisions
the following provisions shall be applied to all parts of this policy
and shall override the other terms and conditions of this policy if any
conflict arises.
property insurance policy
policy no.:
whereas the insured named in the schedule hereto has made to the
______ insurance company (hereinafter called ""the company"") a written
proposal which together with any other statements made by the insured for
the purpose of this policy is deemed to be incorporated herein and has
paid to the company the premium stated in the schedule.
now this policy of insurance witnesses that subject to the terms and
conditions contained herein or endorsed hereon the company shall indemnify
the insured for the loss or damage sustained during the period of
insurance stated in the schedule in the manner and to the extent
hereinafter provided.
by the ________ insurance company
_________________________ authorised signature
date of issue:
place of issue:
schedule
policy no.:
1. name and address of the insured
1.1 the insured:
1.2 address:
2. location of the property insured:
3. nature of trade:
4. insured items and sums insured:
insured items sums insured
4.1 property insured
4.1.1 building(s) (including decoration):
4.1.2 machinery and equipment:
4.1.3 furniture and fixture:
(including office equipment and supplies)
4.1.4 stock:
4.1.5 others:
4.2 additional expenses:
4.2.1 removal of debris fees:
4.2.2 fire extinguishing expenses:
4.2.3 professional fees:
4.2.4 other expenses:
total sum insured:
5. deductible (any one accident):
6. period of insurance: ___ months.
from 00:00 of _________ to 24:00 hours of ______
7. premium rate:
total premium:
8. date of payment:
9. jurisdiction:
this policy is governed by law of the people's republic of
10. special provisions:
property insurance policy's schedule
_________ insurance company
責任編輯：陳紅
財產保險單
保險單號次：_______________
根據被保險人申請中國人民保險公司（以下簡稱本公司）在被保險人繳付約定的保險費後，按照背面所載條款和附加條款的規定，在本保險單期內，承保下述被保險人下列財產，特立本保險單。
被保險人：___________________
保險財產及保險金額：
總保險金額：
費率：
保險費：
保險期限： 個月 自 至 中午１２時正
保險財產地址：
備註：
中國人民保險公司
日期：____________
於：______________
財產保險條款
一、保險財產範圍
凡載於本保險單及附表上的保險財產，不論其為被保險人所有，或替他人保管，或與他人所共有而由被保險人所負責者，均屬被保險財產。
二、特約保險財產
金銀，珠鑽，寶石，郵票，古幣，古玩，古書，古畫，高級藝術作品，電腦資料非經被保險人與本公司特別約定並在保單上載明時，不在保險財產範圍以內。
但對有價證券，票據，現金，檔案，帳冊，圖紙，槍枝彈藥，爆炸物品，本公司一律不予承保。
三、責任範圍
保險財產，由於下列原因造成損失時，本公司負責賠償：
1．火災，雷電，爆炸或水管爆裂。
2．暴風雨，颶風，颱風，龍捲風，洪水，海嘯，雹災，山崩，雪崩，地震，火山爆發，地面下陷下沉，地下發火。
3．飛機墜毀，飛機部件或飛行物體墜落。
四、除外責任
本公司對下列各項不負責賠償；
1．戰爭，類似戰爭行為，敵對行為，武裝衝突，沒收，徵用，罷工，暴動引起的損失。
2．被保險人或其代表的故意行為或重大過失引起的損失。
3．直接或間接由於核反應，核子幅射和放射性污染引起的損失。
4．由於超負荷，超電壓，碰線，電弧，走電，短路和大氣放電造成電氣用具或電氣設備本身的損失。
5．凡因物質本身變化，自然發熱，自燃或因烘焙所致財產之自身損失。
6．由於當局命令而焚毀之財產。
7．事故發生而引起生產停頓或營業中斷等間接損失。
8．堆放在露天以及在使用蘆席，篷布，茅草，油毛氈做棚頂的罩棚下的保險財產，因遭受暴風雨造成的損毀。
9．其他不屬於第三條所承保的災害或事故引起的損失。
五、賠償處理
1．發生損失事故後，被保險人應立即通知本公司，並用書面提供詳細經過。
2．發生損失後被保險人應採取一切必要的措施將損失減少至最低限度，對有益的合理措施費用，本公司可予以償付，但以不超過遭受損失財產的保額為限。
3．被保險人要求賠償時，應提供保險單，損失清單和其他必要的單證。索賠期限，從保險財產遭受損失之日起，不得超過一年。
4．保險財產遭受保險責任範圍內的損失時，應按損失當時市價計算賠款，其市價總額低於保險金額時，按市價賠償，其市價總額高於保額時，則其差額應認為被保險人所自保，本公司按受損財產的保額與市價的比例賠償。若本保險單所載財產不止一項時，應分項按照本條規定辦理。
5．保險財產發生部分損失時，本公司可按貶值率賠付現金或賠付基本修復原狀的修配費用。
6．保險財產發生損失後，本公司如按全損償付，其損余價值應在賠款內扣除。
7．損失賠償後的保險金額應相應減少，由本公司出具批單批註，並不退保費。
8．如本保險單所保財產在損失發生時另有別家公司保險存在，不論系被保險人或他人所投保，如屬同一財產，本公司僅負按照比例分攤損失的責任。
六、其他事項
1．被保險人應採取合理的預防措施，防止發生意外事故，對本公司代表提出的合理化防損建議應認真考慮並付諸實施。
2．保險財產如有變動（如財產所在地的變動，建築物的拆修，增添，保額的調整等），被保險人應及時書面通知本公司辦理批改手續。
3．被保險人可隨時申請註銷本保險單，本公司也可在十五天前通知註銷。對於保險單已生效期間的保費，前者按本公司短期費率計算，後者應按日平均計算。
4．被保險人與本公司之間一切有關保險的爭議應通過友好協商解決。如果協商達不成協定，可申請仲裁機構或法院審理。除事先另有協定外，仲裁或法律訴訟應在被告方所在地。
一、保險財產範圍(家庭保險)
(一)房屋子及其附屬物;
(二)服裝、家具、家用電器、文化娛樂用品。
二、保險責任
保險財產在保險單列明的地址由於下列原因造成的損失，本公司負責賠償：
(一)火災、爆炸;
(二)雷擊、冰雹、雪災、洪水、崖崩、龍捲風、冰凌、土石流和自然災害引起地陷或下沉;
(三)空中運行物體墜落、外界物體倒塌;
(四)暴風或暴雨使房屋主要結構(外牆、屋頂、屋架)倒塌;
(五)存放於室內的保險財產，因遭受外來的、有明顯痕跡的盜竊、搶劫。
第四條保險事故發生後，被保險人為防止或減少保險財產的損失所支付的必要的、合理的費用，本公司負責賠償，但此項費用的賠償金額最高不超過保險金額。
三、除外責任
第五條保險財產由於下列原因造成的損失，本公司不負賠償責任：
(一)地震、海嘯;
(二)戰爭、軍事行動、暴動、罷工、沒收、徵用;
(三)核反應、核輻射或放射性污染;
(四)被保險人或其家庭成員的故意行為或重大過失;
(五)保險財產本身缺陷、保管不善、變質、霉爛、受潮、蟲咬、自然磨損。
第六條本公司對下列各項亦不負責賠償：
(一)家用電器因使用過度或超電壓、碰線、漏電、自身發熱等原因所造成的自身損毀;
(二)堆放於陽台或露天的財產，或用蘆席、稻草、油毛氈、麥桿、蘆葦、竹桿、帆布等材料為外牆、棚頂的簡陋罩棚下的財產及罩棚，由於暴風、暴雨、盜竊或搶劫所造成的損失;
(三)未按要求施工導致建築物地基下陷下沉，建築物出現裂縫、倒塌的損失;
(四)被保險人的家屬或僱傭人員或同住人或寄宿人盜竊或縱容他人盜竊保險財產而造成的損失;
(五)保險財產在存放處所無人居住或無人看管超過七天的情況下遭受的盜竊損失;
(六)因門窗未關致使保險財產遭受的盜竊損失;
(七)在發生本條款第三條一、二、三、四項列明的保險事故時保險財產遭受的盜竊、搶劫損失。
四、保險金額及保險費
第七條保險金額根據保險財產的實際價值確定，並在保險單上分項列明。
第八條保險費按保險金額的3‰，在簽訂保險契約時一次繳清。
五、賠償處理
第九條被保險人索賠時，應當向本公司提供保險單、損失清單和其他必要的單證。
第十條保險財產遭受保險責任範圍內的損失時，本公司按照出險當時保險財產的實際價值計算賠償，但最高不超過保險單分項列明的保險金額。
第十一條保險財產遭受部分損失經本公司賠償後，保險契約繼續有效，但其保險金額相應減少。減少金額由本公司出具批單批註。
第十二條發生保險責任範圍內的損失後，應由第三者賠償的，被保險人可以向本公司或第三者索賠。被保險人如向本公司索賠，應自收到賠款之日起，向本公司轉移向第三者代位索賠的權利。在本公司行使代位索賠權利時，被保險人應積極協助，並向本公司提供必要的檔案及有關情況。
第十三條保險事故發生時，如另有其他保險對同一保險財產承保同一責任，不論該保險是否由被保險人或他人投保，本公司僅按比例負責賠償。
第十四條被保險人的索賠期限，自其知道保險事故發生之日起，不得超過兩年。
六、投保人及被保險人義務
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