哪种情况需要房屋保险？
- 房东长期在外地或是在国外
- 房屋有漏水、返潮等问题，维修后未能根本解决
- 投资用房屋，担心租客在房屋内发生意外，产生理赔问题
- 担心租客用电、水、煤气等产生安全隐患
- 担心邻居家发生火灾等事故造成自身财产损失
理赔内容
- 房屋自身破损：如火灾地震等引起的房屋受损
- 出租屋声誉受损津贴：如租客在房屋内进行违法行为；租客在房屋内自杀等情况
- 水暖管破裂：因天气异常、老化、管道堵塞等情况引起的管道问题
- 室内财产损失：因偷窃、抢劫导致的财产损失
- 租金损失：租客拒付或拖延交付房租造成的损失
- 房屋装修损失：因装修过程中不恰当操作引起的房屋损失
- 出租人责任：因房屋线路老化，煤气泄漏等情况引起的房屋或人身财产损失
产品方案参考
| 保险责任 | A | B | C |
| 房屋损失 | 50万 | 100万 | 300万 |
| 房屋装修 | 10万 | 20万 | 30万 |
| 室内财产 | 5万 | 10万 | 20万 |
| 出租人责任 | 10万 | 20万 | 50万 |
| 租金损失 | 1万 | 3万 | 10万 |
| 出租屋声誉 受损津贴 | 1万 | 3万 | 5万 |
| 水暖管破裂 | 1万 | 2万 | 3万 |
| 保费（元/年） | 200 | 365 | 485 |
What is Rent Insurance?
A rent insurance policy is a group of coverages designed to help protect renters living in a house or apartment. A typical rent insurance policy includes three types of coverage that help protect you, your belongings and your living arrangements after a covered loss.
Content
Exterior damage: damages caused by natural factors like flood. Earthquake, fire, storm and etc
Renovation damage：damage related to improper decorations
Interior loss：damages of roof, carpet, floor, furniture and etc. As well as losses of personal possessions in house
Owner’s responsibility: damage caused by the aging of electric wire; gas leak and etc
Losses in rent: Not receive the rent money
Reputation damage: property depreciates due to accidents like murder, suicide, crimes and etc
Boiler and pipe damage: boiler and pipe do not work becuase of problems of wether, aging or blockage.
Reference Price
| Insurance | A | B | C |
| Exterior Damage | 500,000 | 1 million | 3 million |
| Renovation Damage | 100,000 | 200,000 | 300,000 |
| Interior Loss | 5,000 | 100,000 | 200,000 |
| Owner’s Responsibilities | 100,000 | 200,000 | 500,000 |
| Losses in Rent | 10,000 | 30,000 | 100,000 |
| Reputation Damage | 10,000 | 30,000 | 50,000 |
| Boiler&Pipe Damage | 10,000 | 20,000 | 30,000 |
| Price （yuan/year） | 200 | 365 | 485 |