Fire Insurance vs Home Insurance - A Simple Guide
10Life Team
表一：比較火險和家居保險
| 火險 | 家居保險 | |
| 保障範圍 | 只涉及樓宇結構，例如地板、天花板、門窗、牆身和水管等，但須由火災、閃電、爆炸、冧樓、山泥傾瀉等引致 | 家居財物保障，例如家庭電器、傢俬、收藏品、珠寶首飾等，須由火警、水浸、盜竊、爆水管引致； 此外，家居保險亦保障第三者法律責任賠償；以及全球個人財物保障 |
| 誰人可以買？ | 業主 | 業主或租客 |
| 是否必需購買？ | 如需申請銀行按揭，業主必需要根據銀行要求買一份合適的火險 | 按個人需要自行決定 |
| 註：實際保障須視乎個別保險產品。 | ||
火險保「四面牆」 業主如申請銀行按揭便須購買
表二：火險/樓宇結構保險比較（港元）
樓宇結構保險*
家居樓宇保險
火險（基本保障）
火險（全面保障）
火險
按揭火險#
#假設樓齡22年、單位400呎，保費為折扣後價格
1.上述保險產品均提供網上報價或保費率，從而計算出有關保費及保費率。
2.若果是因應按揭貸款額而申請火險，有關保障範圍須符合銀行要求，消費者宜直接向銀行查詢。
3.有關保費並未包按揭保監局保費徵費。
4.上述產品排名根據保險公司英文名字。
5.資料以保險公司為準。
家居保險保家居財物 業主或租客可自行決定買唔買
火險與家居保險相輔相成
Disclaimer
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