IDCM: Admin User: Latest COVID 19 Management Guidelines

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Latest COVID 19 Management Guidelines

Latest COVID 19 Management Guidelines

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Simple Job - Mon, 13 Nov 2023, 4:59 AM
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Simple Job - Wed, 15 Nov 2023, 6:08 AM
所謂火險，一般只包括結構損毀，可以是火災引致，又或因滅火過程中由消防人員造成之水漬損毀，又甚或是單位外牆因鄰居裝修而意外損壞，但並不保障物業內的財物損失。

與「火險」不同，火險主要承保樓宇結構相關的損失，而財物保險焦點則在於住房內的財物，包括衣物鞋履、首飾古董等（資料圖片）

家居保險保誠家居保家居保险家居保險包什麼家居保險比較家居保險邊間好家居保險漏水家居保險火險村屋家居保險家居裝修保險家居保險範圍家居保險幾時買租客家居保險家居保險租客家居保險第三者責任家居保邊間好家居保險漏水到樓下家居保險爆水喉家居保險手提電話家居保險漏水索償家居保險第三者責任保險家居保險優惠

在財物及裝修保障方面，保險公司通常會有兩類收費法方。

第一種是一些金銀銅套餐計劃，金套餐保費較貴，賠償上限會較高，銅套餐保費平，但賠償額自然會少一些。

另一種是用家居面積計算，面積愈大，保費愈貴。

要留意的是，雖然現時地產商已轉用實用面積計算樓價，但大部份家居保仍然以建築面積來計算保費，消費者必需留意。

家居火險邊間好家居保險價錢業主家居保險家居保險推介火險火險報價按揭火險火險比較火險最平火險保費家居火險火險價錢樓宇火險火災險火災保險樓宇結構保險投保火險需要什麼資料火險一定要買火險按揭火險家居保險火險保額居屋火險火險賠償計算家居保險火險家居保險邊間好家居保險漏水火險家居保險家居保險比較家居保險租客家居保險第三者責任保險租客家居保險家居保險手提電話家居保險裝修公屋家居保險

有些人的家中未必有貴重財物，可能只有一、兩件特別名貴的財物，若因此買最貴的套餐，部份財物的保額便買過大。

事實上，錢財身外物，屋內屋外財物損失事小，涉及他人的法律責任則事關重大。

以單位火災為例，火災雖未必波及樓上單位，但如鄰近單位的外牆已被薰黑，亦有可能引致有人受傷。

一般而言，樓宇外牆業權屬於大業主，因此大業主極可能就清理污漬或維修費用向肇事單位業主索賠，而傷者亦可能追討賠償。

火險家居保險分別家居保險價錢家居保險公屋家居保險第三者責任家居保險電器家居保險電話租屋家居保險家居保險滲水租樓家居保險家居保險vs火險家居保險停電家居保險火災家居保險40年樓家居保險樓宇結構保障家居保險水浸家居保險推介家居保險爆水喉消委會家居保險家居保險優惠家居保險好家居保險搬屋家居保險天災家居保險遺失電話家居保險業主家居保險水喉漏水家居保險消委會家居保家居保漏水家居保比較家居保邊間好

目前，市面上的家居保險多已包括第三者責任保險，一般保額最少達300萬元，最高更可達過千萬元（見表），視乎投保人所選的計劃。

現時有些保險計劃，可為個別財物投保，投保人可自行設定保額，當然，保額愈高，保費自然愈貴。

另外，一般家居保的財物保險，物品要在屋內損毀才可賠，但有些財物保險則沒有此限制。

即使財物在街上、甚至在外國，只要是因意外丟失或弄毀物品，也可以獲得賠償。

火險家居保家居保電話家居保第三者責任家居保火險家居保停電家居保爆水喉火險vs家居保家居保手機家居保租客打風家居保家居保打風漏水家居保家居保險保誠家居保家居保险家居保險包什麼家居保險比較家居保險邊間好家居保險漏水家居保險火險村屋家居保險家居裝修保險家居保險範圍家居保險幾時買租客家居保險家居保險租客

另外，家居保亦有分損失成因，之前談及的火險是其中一種，顧名思義，是要發生火災才可以賠。

一般計劃所包含的保額以每年為單位，亦有部分以每宗意外計算。

值得留意的是，所謂第三者責任，其實亦可細分為身為業主於公眾地方的責任、旗下單位租客的責任，與及全球個人責任等。

就上述火災事件而言，涉及的保障就是首項，只要保單包含這個項目，一旦意外發生便可獲保障。

家居保險第三者責任家居保邊間好家居保險漏水到樓下家居保險爆水喉家居保險手提電話家居保險漏水索償家居保險第三者責任保險家居保險優惠家居火險邊間好家居保險價錢業主家居保險家居保險推介火險火險報價按揭火險

另一種是水火險，即會承保水災及火災引起的損失。

第三種是全險，除水災及火災外，山泥傾瀉、颱風、有賊入屋爆竊、爆炸等意外，都可獲得賠償。

至於賠償方面，有分折舊或以新代舊兩種。前者是保險公司根據物件的折舊價值賠償，這通常會應用在電器或消耗品上。

至於以新代舊，是保險公司用該物件的市價來賠償。

與「火險」不同，財物保險焦點則在於住房內的財物，包括的項目更為廣泛，除了包括由火災引致的財物損失，亦包括其他意外

例如颱風、閃電或爆竊等，而且更會賠償因居所不能入住而導致的臨時居所費用。

銀行上會時要求買的火險主要承保建築樓宇結構，即是天花、地板、窗台等損毀，家居財物及裝修等損失則不保。

另外，火災以外引致的損毀，純火險亦不會賠償。

若然家中發生水災，不但令全屋水浸，水流還從大門縫隙流到大堂，引致大堂水浸，升降機亦損毀。

事面上的涉及物業的保險林林總總，包括火險、裝修保險，家居保險等。一般讀者都會有相同疑問：家居保險是否「全保」?

還否只保火災? 其實保險條款每間公司各有不同，難說誰稱得上「全保」，投保前最好先要弄清楚，本身希望得到甚麼保障。

事實上，涉及物業的保險大項主要有兩類，包括「火險」及「財物保險」。

業主要面對的，除了屋內財物損毀之餘，還有機會被業主立案法團追討昂貴的升降機維修費和樓下鄰居追討因天花漏水的裝修費。

水浸後重新裝修期間，業主要搬到外面住，又是另一筆開支。

一般而言，家居保有三方面的保障，除了樓宇結構外，還會有家居財物保障，以及第三者責任保險，保障比火險全面很多。

家居財物除了傢俬及個人物品外，還會包括裝修。

另一方面，保障範圍更由「屋殼」內的財物，如衣物鞋履、首飾古董等，甚至是雪櫃內的食物，推展至屋外的日常跟身個人物品，例如證件、金錢及信用卡等。

一旦大頭蝦遺失銀包，亦可受保。然而，由於遺失事件時有發生，這部分屬「高風險」項目，一般保單保額不高，如有需要攜帶大量金錢外出，還是小心為妙。

一般家居保險都必定包括財物保險，而個別保險商亦在將結構保險，即所謂「火險」。

列為家居保險中的附加項目，若大廈法團未為業主購買，又或是村屋、獨立屋業主，則可以一併加購。

事實上，一間屋最貴重的東西未必是金銀珠寶，而是裝修。現時簡單的裝修少說也要十幾廿萬，講究一些隨時要過百萬元。

若然屋內真的發生水浸，財物未必會損毀，但裝修則已報銷。
Simple Job - Wed, 15 Nov 2023, 6:16 AM
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Simple Job - Sun, 19 Nov 2023, 7:58 AM
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