每个人都会投保人寿保险，那么房屋保险\/ 屋子保险呢？<\/span><\/p>\n\n\n\n

很多人在买房子时，都会根据房屋贷款的合约要求购买火险，但却没有为自己的屋子做出投保。<\/span><\/p>\n\n\n\n

还记得去年12月尾，季候风来临，雪兰莪州因一场接连豪雨，导致多个地区发生严重大水灾；灾民面临严重损失，却无法向保险公司获得赔偿。<\/span><\/p>\n\n\n\n

也许因为这场世纪水灾，大家从中“吸取教训”，开始意识到房屋保险的重要性。<\/span><\/p>\n\n\n\n

房屋保险是如何保护你的屋子呢？一起来了解这份保险吧！<\/span><\/p>\n\n\n\n

阅读内容：<\/mark><\/h2>
1. 房屋保险类型分成几种？<\/a><\/li>
2. 房贷合约中的火险也能保天灾和火灾的损失吗？<\/a><\/li>
3. 家居保险是100%赔偿吗？<\/a><\/li>
4. 申请理赔过的程复杂吗？<\/a><\/li><\/ul><\/div>\n\n\n\n
\n\n\n\n
<\/a>1. 房屋保险类型分成几种？<\/strong><\/span><\/h2>\n\n\n\n
所谓的房屋保险或屋子保险，官方统称为“家居保险”<\/strong>（Home Content Insurance）。<\/span><\/p>\n\n\n\n
一般上，屋子保险类型只有一种。屋主能根据不同的需求，自行或被保险中介建议添加。<\/span><\/p>\n\n\n
\n
$\"屋子保险\"$ <\/figure>\n<\/div>\n\n\n
对于以居住目的的房屋，家居保险涵盖了所有的房子风险。当然，根据房子周边环境的情况，屋主可以考虑或依照保险中介建议，为家居保险添加额外的保障。<\/span><\/p>\n\n\n\n
譬如说，你购买房子的地区，曾经发生过天灾，或靠近河流和在山上，那么保险中介或许会建议，或你自己要求在保险中添加额外的保障，如土崩、地面下沉、意外损坏等。<\/span><\/p>\n\n\n\n
此外，如果你是买房投资，或你购买的是商业房产，除了购买这份家居保险，你也可以根据自己的需求，自行选择相应的额外保障。<\/span><\/p>\n\n\n\n
<\/a>2. 房贷合约中的火险也能保天灾和火灾的损失吗？<\/strong><\/span><\/h2>\n\n\n\n
家居保险是涵盖了所有房子的风险，包括火险，以让你的房子获得保障。<\/span><\/p>\n\n\n\n
当我们在签署的银行房屋贷款合约或购买公寓时，都会被告知需要投保火险，通常是强制性的。<\/span><\/p>\n\n\n\n
因此，很多人都认为，房子已经有火险的保障，所以无需额外购买一份“家居保险”。<\/span><\/p>\n\n\n
\n
$\"屋子保险\"$ <\/figure>\n<\/div>\n\n\n
这里提醒你，通常这类火险只是保护相关公寓，以及作为房子重建成本的保障，各个房子或单位内的家具家电，一概不受保。<\/span><\/p>\n\n\n\n
而且，基于每一间房子都有各别的设计，家具家电的价值也不同，因此这类火险无法为各个房子单位做出相应的赔偿。<\/span><\/p>\n\n\n\n
总而言之，为自己的公寓单位额外再投保一份家居保险，才能真正保障自己的房子。<\/span><\/p>\n\n\n\n
<\/a>3. 家居保险是100%赔偿吗？<\/strong><\/span><\/h2>\n\n\n\n
大家买保险的时候，最好奇的部分就是，保险的理赔额度是多少？<\/span><\/p>\n\n\n\n
一般上，保险公司会先把你的房子情况分成两大类型，从而为屋主做出相应的额度理赔：<\/span><\/p>\n\n\n\n
\n
第一种类型：<\/strong>新屋、居住不超过3年的房子；<\/span><\/li>\n\n\n\n
第二种类型：<\/strong>居住超过3年或以上的房子。<\/span><\/li>\n<\/ul>\n\n\n
\n
$\"屋子保险\"$ <\/figure>\n<\/div>\n\n\n
如果你是第一种类型房子<\/strong>的屋主，建议你将房子内的所有家具、家电等的收据保存起来。<\/span><\/p>\n\n\n\n
保险公司将会依照你当时购买这些家具的价值，做出适当的理赔。<\/span><\/p>\n\n\n\n
至于第二种类型房子<\/strong>的屋主，你所有的家具家电的收据早已经丢掉了？<\/span><\/p>\n\n\n\n
不用担心！你可以把那些比较昂贵的家具家电列出来，尝试回想当时购买的价钱。<\/span><\/p>\n\n\n\n
如果真的回想不起来，你也可以根据市场的价值，或让保险公司帮你估算出其价值。<\/span><\/p>\n\n\n\n
值得一提的是，如果你在购买保险时，只上报估计的价格，那么在计算理赔额度时，保险公司只依照一个基本家庭所应该会有的家具家电，做出理赔。<\/span><\/p>\n\n\n\n
<\/a>4. 申请理赔过的程复杂吗？<\/strong><\/span><\/h2>\n\n\n\n
由于家居保险所包含的范围太多，与普通的保险理赔相比，家居保险的理赔处理过程会较长。<\/span><\/p>\n\n\n\n
一般上，保险公司会将房子内的所有家具分成五大类：<\/span><\/p>\n\n\n\n
\n
装修和家具：<\/strong>包括沙发、电视橱柜、衣橱、厨柜等<\/span><\/li>\n\n\n\n
室内装饰品：<\/strong>绘画、艺术品等<\/span><\/li>\n\n\n\n
家电<\/strong>\/ <\/strong>电器：<\/strong>电脑、电视机、平板电脑、手机、冰箱等<\/span><\/li>\n\n\n\n
价值不菲的物品：<\/strong>珠宝首饰、手提袋、手表、相机、摄像镜头等<\/span><\/li>\n\n\n\n
其他物品<\/strong><\/span><\/li>\n<\/ul>\n\n\n\n
$\"屋子保险\"$ <\/figure>\n<\/div>\n\n\n
同时，当你申请理赔时，一定要为这些家具物品拍照，以证明你确实有这些家具。如此一来，保险公司在处理理赔时，也更顺利方便。<\/span><\/p>\n\n\n\n
房屋保险对一间房子来说，是非常重要的，它能真正保护你的房子，在发生任何事情或天灾时，你的房子将获得最大的保障。<\/span><\/p>\n\n\n\n
如果想更深入了解有关房屋保险的资讯，欢迎观看 IQI Prop Zone<\/mark><\/a><\/span>，房地产投资策略家Nicholas Tan和Trident Agency联合创始人Vivian Koo，将会为你一一讲解！<\/span><\/p>\n\n\n\n<\/iframe>\n\n\n\n<p><strong><span style=\"color: #ff6600;\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">当然，如果你打算买房子，无论是自住或投资，不妨考虑寻找IQI的帮忙，让旗下专业的房地产团队，提供你全面的咨询与建议。<\/mark><\/span><\/strong><\/p>\n\n\n\n<p><strong><span style=\"color: #ff6600;\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">留下你的讯息，IQI的咨询团队将立即联系你！<\/mark><\/span><\/strong><\/p>\n\n\n\n<div class=\"wp-block-leadin-hubspot-form-block\">\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 5699703,\n\t\t\t\t\t\t\t\t\tformId: \"85ebae59-f425-419b-a59d-3531ad1df948\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1776766374000-4232599235\",\n\t\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1776766374000-4232599235\"><\/div><\/div>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>每个人都会投保人寿保险，那么房屋保险\/ 屋子保险呢？ 很多人在买房子时，都会根据房屋贷款的合约要求购买火险，但却没有为自己的屋子做出投保。 还记得去年12月尾，季候风来临，雪兰莪州因一场接连豪雨，导致多个地区发生严重大水灾；灾民面临严重损失，却无法向保险公司获得赔偿。 也许因为这场世纪水灾，大家从中“吸取教训”，开始意识到房屋保险的重要性。 房屋保险是如何保护你的屋子呢？一起来了解这份保险吧！ 1. 房屋保险类型分成几种？ 所谓的房屋保险或屋子保险，官方统称为“家居保险”（Home Content Insurance）。 一般上，屋子保险类型只有一种。屋主能根据不同的需求，自行或被保险中介建议添加。 对于以居住目的的房屋，家居保险涵盖了所有的房子风险。当然，根据房子周边环境的情况，屋主可以考虑或依照保险中介建议，为家居保险添加额外的保障。 譬如说，你购买房子的地区，曾经发生过天灾，或靠近河流和在山上，那么保险中介或许会建议，或你自己要求在保险中添加额外的保障，如土崩、地面下沉、意外损坏等。 此外，如果你是买房投资，或你购买的是商业房产，除了购买这份家居保险，你也可以根据自己的需求，自行选择相应的额外保障。 2. 房贷合约中的火险也能保天灾和火灾的损失吗？ 家居保险是涵盖了所有房子的风险，包括火险，以让你的房子获得保障。 当我们在签署的银行房屋贷款合约或购买公寓时，都会被告知需要投保火险，通常是强制性的。 因此，很多人都认为，房子已经有火险的保障，所以无需额外购买一份“家居保险”。 这里提醒你，通常这类火险只是保护相关公寓，以及作为房子重建成本的保障，各个房子或单位内的家具家电，一概不受保。 而且，基于每一间房子都有各别的设计，家具家电的价值也不同，因此这类火险无法为各个房子单位做出相应的赔偿。 总而言之，为自己的公寓单位额外再投保一份家居保险，才能真正保障自己的房子。 3. 家居保险是100%赔偿吗？ 大家买保险的时候，最好奇的部分就是，保险的理赔额度是多少？ 一般上，保险公司会先把你的房子情况分成两大类型，从而为屋主做出相应的额度理赔： 如果你是第一种类型房子的屋主，建议你将房子内的所有家具、家电等的收据保存起来。 保险公司将会依照你当时购买这些家具的价值，做出适当的理赔。 至于第二种类型房子的屋主，你所有的家具家电的收据早已经丢掉了？ 不用担心！你可以把那些比较昂贵的家具家电列出来，尝试回想当时购买的价钱。 如果真的回想不起来，你也可以根据市场的价值，或让保险公司帮你估算出其价值。 值得一提的是，如果你在购买保险时，只上报估计的价格，那么在计算理赔额度时，保险公司只依照一个基本家庭所应该会有的家具家电，做出理赔。 4. 申请理赔过的程复杂吗？ 由于家居保险所包含的范围太多，与普通的保险理赔相比，家居保险的理赔处理过程会较长。 一般上，保险公司会将房子内的所有家具分成五大类： 同时，当你申请理赔时，一定要为这些家具物品拍照，以证明你确实有这些家具。如此一来，保险公司在处理理赔时，也更顺利方便。 房屋保险对一间房子来说，是非常重要的，它能真正保护你的房子，在发生任何事情或天灾时，你的房子将获得最大的保障。 如果想更深入了解有关房屋保险的资讯，欢迎观看IQI Prop Zone，房地产投资策略家Nicholas Tan和Trident Agency联合创始人Vivian Koo，将会为你一一讲解！ 当然，如果你打算买房子，无论是自住或投资，不妨考虑寻找IQI的帮忙，让旗下专业的房地产团队，提供你全面的咨询与建议。 留下你的讯息，IQI的咨询团队将立即联系你！<\/p>\n","protected":false},"author":24,"featured_media":108936,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[237],"tags":[10959,5432,12307,5150,5522,12305,5162],"class_list":{"0":"post-42586","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-237","8":"tag-home-hunt-cn","9":"tag--zh","10":"tag-12307","11":"tag--cn","13":"tag-12305"},"yoast_head":"\n<title>\u5b63\u5019\u98ce\u65f6\u671f\uff0c\u4f60\u9700\u8981\u77e5\u9053\u54ea\u4e9b\u623f\u5c4b\u4fdd\u9669\u7684\u4e8b\u9879\uff1f<\/title>\n<meta name=\"description\" content=\"\u9a6c\u6765\u897f\u4e9a\u53ea\u670910%\u7684\u4eba\u4f1a\u8d2d\u4e70\u623f\u5c4b\u4fdd\u3001\u5c4b\u4fdd\u9669 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