Comprehensive family property insurance

Target client 

All urban households who have demand for Homeowners Insurance

Insurance period 
1 year
Category 

For individual

Product Features 
  • The product has comprehensive protections, part of its insurance liabilities could be freely combined and meets the insurance needs of various urban households.

How to buy? 
how to buy?

You can choose to:

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Insured items

Insurance amount 

Insurance Coverage

  The house and its interior accessory equipment

10,000-10,000,000 Yuan

The house and its interior accessory equipment (For example: plumbing, gas heating, sanitation, water supply, gas pipelines and power equipment, kitchen equipment and other ancillary fixtures )

Indoor property

1000-500,000 Yuan

  1. Interior decoration
  2. household and entertainment  appliances
  3. clothing and bedding articles
  4. Furniture and other

Additional robbery insurance

1000-100000 Yuan

Within the insurance period, insured premises and ancillary equipment indoors, interiors, properties stored indoors in addition to cash, securities, jewelry and other subject matters insured due to foreign personnel’s prying (hitting) doors and windows, walls digging or over the wall, armed robbery, and theft or robbery certified by the public security department resulting in the loss or damage, The insurer is responsible for compensation.

Additional household appliances electrical safety insurance

1000-100000 Yuan

Direct damage of the appliances set forth in the policy caused by abnormal voltage.  

Additional pipeline rupture and water damage insurance

10000-100000 Yuan

Within the insurance period, due to the indoor water pipes, sewage pipes and heating pipes (with radiator) suddenly burst, running water or neighbor leakage resulting in the loss of the subject matters insured, The insurer is responsible for compensation.

Additional cash, securities, jewelry robbery insurance

1000-6000 Yuan

Within the insurance period, cash, securities, jewelry stored indoors due to foreign personnel’s prying (hitting) doors and windows, walls digging or over the wall, armed robbery, and theft or robbery certified by the public security department resulting in the insured subject matter loss or damage, The insurer is responsible for compensation.

Additional Household liability insurance

10000-100000 Yuan

Within the insurance period, when the insured(or family members living in the same house) uses, installs or deposits his own or leased property, if a third party's injury, death or property loss is caused by the insured's negligence, the insurer will compensate within the limit for the amount and other expenses that the insured should pay according to the law.

Additional lessor liability insurance

10000-100000 Yuan

Within the insurance period, if the insured housing and its ancillary facilities that the insured rents out happen to following accidents, and it causes injury, death or property loss of the tenant or his family members, the insurer will as agreed compensate the amount that the insured should pay according to the law:

1,Fire, Explosion;

2, Electric leakage of electrical circuit or electrical equipment;

3, Gas leakage;

4, Collapse of housing or indoor fixed object.

After the accident, the insurer should also compensate other agreed expenses that the insured should pay according to the law.

Additional relocation expenses insurance

See policy

If the insured indoor property happens to accident and it causes that the insured has to move house, the insurer should compensate the insured 200 Yuan for each accident, even if the insured has been insured with several same protections.

Additional temporary rent compensation insurance

See policy

Within the insurance period, if the insured's housing is uninhabitable because of the reason within insurance coverage, the insurer should compensate the insured for his rent while his housing is being recovered.

Download Clauses

  1. Clients put forward demands, sales departments propose corresponding products.
  2. Clients fill in the application form and give document as required.
  3. Sales departments submit the application form and documents to property insurance department.
  4. Underwriting departments judge the risk and determine the conditions.
  5. After clients accept the conditions, related personnel input the policy and submit to underwriting process.
  6. Underwriting passed.
  7. Payment.
  8. Issue the policy.

  1. If my water pipe is broken,the seepage breaks the downstairs neighbor's floor, can I get compensated?

    Yes, if you bought the additional household liability insurance.

  2. If my house has theft, and I don't have the invoice of the lost property like electric appliance, what should I do?

    You can present other proofs such as: photo, receipt, repair receipt etc.