财产与责任保险培训培训课件

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1、Property and Liability Insurance財產及責任保險財產及責任保險Prentice Hall Inc.2Homeowners Insurance Policies房屋保險Cover multiple perils (e.g., fire, theft, storms, faulty household systems or appliances, riot, volcanoes, vehicles, aircraft)保障各種不同的保險(例如：火災、竊盜、暴風、房屋或是家電， 冰雹、龍捲風、汽車或行飛行器)Sold in six basic versions有六種型態

2、出售Prentice Hall Inc.3Six Basic Packaged Homeowners Policies六種基本的房屋保單HO-1: Basic form homeowners insurance基本式房屋保險HO-2: Broad form homeowners insurance一般式房屋保險HO-3: Special form homeowners insurance特殊房屋保險HO-4: Renters or tenants insurance承租人或租屋保險HO-6: Condominium owners insurance共同管轄公寓所有人保險HO-8: Modifi

3、ed coverage older homes homeowners insurance修繕保險-舊屋所有人保險Prentice Hall Inc.4HO-1: Basic Form Homeowners Insurance 基本是房屋保險 Provides the most limited coverage提供非常少的保險項目Not available in most states大部分的州皆無提供此保險Prentice Hall Inc.5HO-2: Broad Form Homeowners Insurance一般式房屋保險Covers only named perils僅承保列舉的危險

4、Costs about 5% to 10% more than HO-1 coverage保險項目成本比HO-1的多出5% - 10%Prentice Hall Inc.6HO-3: Special Form Homeowners Insurance特殊房屋保險Covers all direct physical losses to your home open perils protection 承保範圍涵蓋了所有直接實體房屋損失提供所有開放風險的保護Exceptions include floods, wars, earthquakes, and nuclear accidents被排除的

5、危險有水災、地震、戰爭與核子意外Costs approximately 10% to 15% more than HO-1 coverage保險項目成本約比HO-1的保險成本多出10% - 15%Prentice Hall Inc.7HO-4: Renters or Tenants Insurance承租人或租屋保險Coverage is equivalent to HO-2 perils for personal property承保範圍與HO-2的相同皆為個人的財產Available only to renters and tenants承保的對象為租屋人Covers personal p

6、roperty rather than the dwelling承保範圍涵蓋財產但並無保護實際的住宅Provides liability coverage in case an accident, causing damage to the structure, is your fault提供責任保險，當因你的過錯或意外導致房屋結構毀損時Prentice Hall Inc.8HO-6: Condominium Owners Insurance共同管轄公寓所有人保險Similar to HO-4 coverage, same perils for personal property as HO-

7、2保險範圍與HO-4類似，同時其列舉危險與HO-2相同Available to co-op and condo owners適用於合作公寓和共同管轄公寓所有人的保險Also covers improvements youve made to the dwelling unit此外，還涵蓋建築上任何的改良或改變Prentice Hall Inc.9HO-8: Older Homes Homeowners Insurance修繕保險-舊屋所有人保險Similar to HO-1 insurance, or named perils與HO-1保險箱類似，或是列舉危險Insures the dwell

8、ing for the repair cost or market value, instead of the replacement value承保住宅的修繕成本或實際現金價值的保險，以替代修繕價值Designed specifically for older homes專為老舊房屋而設計Prentice Hall Inc.10Policy Coverage Sections保險範圍Section I: Property coverage保險範圍：財產保險Section II: Personal liability coverage保險範圍II: 個人責任保險Prentice Hall In

9、c.11Section I: Property Coverage第一部份：財產保險範圍Coverage A: Dwelling範圍A：住宅。Coverage B: Other structures範圍：其他建築物。Coverage C: Personal property範圍：個人財產Coverage D: Loss of use範圍：使用的損失Prentice Hall Inc.12Section I Coverage A: Dwelling第一部份範圍A：住宅Protects the dwelling and any attachments房屋與任何附屬物的保障Does not cover

10、 any damage to the land不包括土地的損害Prentice Hall Inc.13Section I Coverage B: Other Structures第一部份範圍：其他建築物Protects other, unattached, dwellings on the property其他建物，不屬於房屋的部份Covers landscaping as well as buildings, but not the land造景及建物，但不包括土地Limited to 10% of the homes coverage限制在房屋保險總額的10% Does not cover

11、 other structures used for business purposes額外之建物為商業用途者亦不包括Prentice Hall Inc.14Section I Coverage C: Personal Property第一部份範圍：個人財產Covers all personal property owned or used by the policyholder投保人所擁有或使用的個人財產Covers personal property regardless of location不管財產的落座地Covers property of guests in your home賓客