房屋保险 Homeowner Insurance、Hazed Insurance， 也被称为火险 Fire Insurance，是买房者为自己房屋所购买的保险。保障房主在遭遇意外或者突发灾难时可得到理赔，以此降低房主的损失。Homeowner Insurance, Hazed Insurance, also known as Fire Insurance, is the insurance that homebuyers buy for their homes. This guarantees that homeowners can get claims in the event of an accident or sudden disaster, thereby reducing losses for homeowners.
意外种类 Accidental Kind
基本意外火灾、雷击、风灾、盗窃、故意破坏、内部意外爆炸、室内意外漏水等。Basic accidental fire, lightning strike, wind disaster, theft, vandalism, accidental internal explosion, accidental indoor water leakage, etc.
保障期限 Warranty period
通常为一年。保险公司每一年会重新评估您的保费。Usually one year. The insurance company will reassess your premium every year.
保费 Premium
根据房屋大小, 建材, 建造年份, 所处地段, 还有保额选项等等因素决定。It depends on factors such as the size of the house, building materials, year of construction, location, and insurance coverage options.
注意 Notice
战争、核灾、地震和洪水灾害不包含在该保险内。War, nuclear disaster, earthquake and flood disasters are not covered by this insurance.
是否需要购买房屋保险 Do you need to buy home insurance
贷款购房者 loan home buyer
贷款银行一定会要求购房者在过户前购买房屋保险以保障银行的资金安全。Loan banks will definitely require home buyers to purchase home insurance before the transfer to ensure the safety of the bank’s funds.
全额现金购房者 full cash home buyer
法律未明文规定一定要购买房屋保险, 但屋主为了保障自己的资产或减少损失, 大部分会选择购买房屋保险。The law does not expressly stipulate that you must buy home insurance, but most homeowners choose to buy home insurance in order to protect their assets or reduce losses.
所有房屋保险产品 All home insurance products
一般住宅火灾保险 General Residential Fire Insurance
一般房屋保险主要是保赔火灾对房屋造成的损失，所以也称之为火险。General home insurance is mainly to protect the loss of the house caused by fire, so it is also called fire insurance.
- 房屋还原重建 house restoration
- 前后院重建（与房屋不相连）Front and rear yard reconstruction (not connected to the house)
- 私人财物 private property
- 临时安住费用 Temporary Housing Expenses
- 责任险 Liability
- 小额医药费 small medical bills
地震险 earthquake insurance
加州位于地震带上，但美国的房屋保险不保障地震造成的损失。为了保障您的财产，请务必加购地震险！California is in the earthquake zone, but home insurance in the United States does not cover damages caused by earthquakes. In order to protect your property, please be sure to purchase earthquake insurance!
康斗/公寓住宅保险
通常，康斗和公寓住宅屋主每月所交付的社区管理费用只保护公共区域和结构的外部，而通常发生在屋内的事故并无保障。
- 房屋还原重建（限室内）
- 私人财务
- 临时安住费用
- 责任险
- 小额医药费
个人雨伞险 personal umbrella insurance
提供额外的责任险赔偿, 与房屋或者车险的责任险之后触发。在房屋或者车险责任险不够赔偿时, 雨伞险将协助支付剩馀的责任理赔款项。Provides additional liability coverage, triggered after liability coverage with home or auto insurance. When the home or auto liability insurance is insufficient, umbrella insurance will assist in paying the remaining liability claims.
独立屋出租保险（非房屋所有人居住）Single-family rental insurance (not occupied by the homeowner)
如果您是房主，当您将您的房屋出租给房客时，屋内财产受到，该保险可提供一定的理赔。If you're a homeowner, this insurance provides some coverage when you rent out your home to a tenant and your property suffers.
- 房屋还原重建 house restoration
- 前后院重建（与房屋不相连）Front and rear yard reconstruction (not connected to the house)
- 租金损失 rental loss
- 責任险 Liability
- 小额医药费 small medical bills
租客保险 tenant insurance
如果您是租客，在您的物品失窃时或你暂时不能住在所租房子时，租客保险可提供给理赔。If you are a renter, renters insurance is available to cover if your belongings are stolen or if you are temporarily unable to live in the property you are renting.
- 私人财务 private finance
- 責任险 Liability
- 小额医药费 small medical bills
免责声明：限制和例外可能适用。 价格如有变更，恕不另行通知。 我们不保证或担保所提供信息的完整性和正确性，也不对所提供信息所造成的任何损失或损害负责。 请参考实际的保险公司文件或合同，了解参考计划和福利保险的条款，条件，限制或例外。
Disclaimer: Limitations and exclusions may apply. Prices are subject to change without notice. We do not warrant or guarantee the completeness and correctness of the information provided and we will not be liable for any loss or damage arising from the information provided. Please refer to the actual insurance company documents or contracts for the terms, conditions, limitations or exclusions of the referenced plans and benefits.