房屋保险all perils, broad form, named form之间的区别

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在工作实践中,发现很多客户在购买房屋保险时根本就不知道自己要买什么样的保障,而是一味地比价格,总认为房屋保险是一样的。这真的很危险。

当我跟TA解释房屋保险的不同保障范围时,TA也是云里雾里的。有一些人在听了我的解释之后,会有兴趣进一步了解有关all perils、broad form和named form之间的区别。

请大家先看一下下面这段文字:

Between the two forms of association insurance coverage, the differences are great.

All risk coverage typically covers your association from all perils. There are exclusions, such as earthquakes, acts of war, or terrorism, but the policy covers most events that can befall your property. In fact, the standard all risks policy spells out coverage exclusions rather than listing every covered event. If it’s not excluded, it’s covered.

Broad form coverage covers losses resulting from a wide variety of events, some listed on policy endorsements or in policy language. Typical broad form coverage includes damage from fire, lightning, explosion, windstorm or hail, smoke, aircraft or vehicles, riot or civil commotion, vandalism, sprinkler leakage, sinkhole collapse, or volcanic action, plus falling objects, ice, sleet or snow weight, and accidental water damage.
What’s the difference? Broad form insures only those perils listed. All risk insures all those perils not excluded. All risk insurance coverage is often called “special” form. In general, an all risk policy offers associations much more coverage than a broad form policy.

简单来说,all perils是法律规定可以不保的内容之外,全保。当然法律规定可以不保的,如地震、战争、恐怖活动等险种,你也还是可以花钱买到这种coverage的。

Broad form保的只是列明在保单中的一些险(你必须认真查看保单,不同公司可能会有所不同),如火灾、闪电、爆炸、风暴、冰雹、烟雾、飞行器及车辆、暴乱等,当然肯定不保地震及战争等。

哪种更好,更适合你?要看你的具体情况,我有客户就很明确地告诉我,我在五万以下的损失都无所谓,自己承担算了,我就保一下自然灾害、水火等大的危险,所以,这样的客户选择broad form基本上没问题(甚至named form都可以)。如果你承受不了一般的损失,你就有必要选择all perils.

现在市面上有些公司没有all perils,只有broad form,当然这样公司的价格肯定是会便宜一些的。

除了上面这两种形式之外,还有一种叫做named form,先看一下下面这段文字,了解一下什么是named form:

A named peril insurance policy covers only what is specifically noted in the policy. For example, if it doesn’t say you’re covered for vandalism damages or backed up sewers, you aren’t. Since the named peril insurance policy only covers specific perils, it is usually less expensive than an all-risk or open peril insurance policy. A typical broad form named peril policy would cover fire, windstorm, hail, aircraft, riot, vandalism, explosion and smoke. Flood insurance and earthquake insurance are two other common examples of named peril policies. When coverage is written on a named peril basis, the burden is on the insured to prove that one of the named perils caused the loss.

一般来说,named form基本上不是gueranteed replacement cost, 也没有single limit。
Named form在财物保险这一块就是你自己认为要保的,并且告诉保险公司某些东西要保并列明在保单上,除了列明的东西之外,其他的都不保。与all perils两者的区别在于,all perils如果房屋及财物全损,保险公司按房屋价值的70%来赔付屋里财物及装修的价值,而named form只赔原来列明的财物价值减去折旧部分。在房屋及财物全损的情况下,这种赔付金额的差别是极为巨大的。

房屋出事的概率本来就小,要出事一般都是大事,如果为了省一丁点保费而在危险来临时得不到保障,那是很悲慛的。

以上文字仅为信息参考,非为任何形式的保险建议和意见。若你有保险方面的问题,请直接联系我咨询。

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