The main building blocks
A home policy commonly includes coverage for the dwelling, detached structures, personal property, additional living expenses and personal liability. The exact insured perils, limits and settlement basis depend on the policy form.
住宅保險的主要組成
住宅保險通常包括房屋主體、獨立附屬建築、個人財物、額外生活費用及個人責任保障。具體承保風險、保額及賠償方式取決於保單類型。
Replacement cost is not market value
The amount needed to rebuild a home can differ substantially from its real-estate value. Construction costs, materials, debris removal, bylaws and access can all affect the rebuilding estimate.
重置成本不同於市場價值
重建房屋所需金額可能與房地產市場價值有很大差異。建築成本、材料、殘骸清理、建築法規及施工通道都會影響重建估算。
Details that should be disclosed
Renovations, rentals, home-based business activity, vacancies, secondary suites, older wiring or plumbing, wood-burning appliances and changes in occupancy can affect eligibility or coverage. Tell your broker when circumstances change.
應主動告知的重要情況
裝修、出租、居家經營、空置、附屬套房、舊式電線或水管、燃木設備及居住用途變化，均可能影響承保資格或保障。情況發生變化時，請及時告知保險經紀。