Fire Insurance vs Home Insurance - A Simple Guide

Estimated reading time 6 minutes

10Life Team

16 Jun 2022
火險、家居保險 原來分別好大?
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10Life Team

16 Jun 2022

Estimated reading time 6 minutes

買樓申請按揭(俗稱上會),銀行都會要求業主買一份火險。不過,不少人都將火險與家居保險混淆。事實上,兩者的保障範圍不盡相同。今天,就跟大家講講兩者有何分別,以及比較市場上火險的保費率差異。

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

業主置業時如需申請銀行按揭,銀行通常會要求業主購買火險,以保障物業價值和銀行利益。「火險」又稱為「樓宇結構保險」,保障物業本身結構因意外(如火災、水災、颱風等)而導致的結構損毀,即賠償地板、天花板、門窗、牆身和水管等所需更換或重建費用,但並不包括因相關意外而導致的財物選失。

火險很多時候是以按揭貸款餘額作為基礎,再計及保費率等因素從而給出保費,而銀行會要求業主每年均要續保或進行自動續保。

不過又值得注意的是,銀行要求業主必需要購買火險,但業主並不一定要經銀行購買,可以自行網上投保以符合銀行要求。另一方面,如果物業管理公司或業主立案法團已為物業購買集體火險,其實可以向按揭銀行提供有關文件副本,毋須一定購買。

表二:火險/樓宇結構保險比較(港元)

保險公司
保障範圍
保費率
保額300萬港元之首年保費
自負額
保險公司
AIG
樓宇結構保險*
保障範圍
保障住宅樓宇結構因火災、閃電、爆炸、地震、墜下之飛機、水管或水箱爆裂或滿溢、風暴、颱風或水浸、暴動或罷工、惡意破壞、第三者汽車撞擊、山泥傾瀉而引致之損失。樓宇結構包括住宅的建築結構、地板、牆壁、瓷磚及門窗等。
保費率
0.063%
保額300萬港元之首年保費
$1,890
自負額
每宗非水損引致索償之自負金額為核實損失之10%或250港元,較高者為準;每宗水損引致索償之自負金額為核實損失之10%或1,000港元,較高者為準。
保險公司
豐隆保險
家居樓宇保險
保障範圍
樓宇結構因意外損毀;附加保障包括山泥傾瀉及地陷保障、清理災場費用保障(賠償限額為投保金額之5%或100,000港元,以較低者為準)、測量師及顧問工程師費用保障(賠償限額:投保金額之5%或100,000港元,以較低者為準)。
保費率
0.057%
保額300萬港元之首年保費
$1,710
自負額
除了因火災、閃電及爆炸引致損毀外,每次事故之自負額為賠償額之首1,000港元;因山泥傾瀉或地陷引致之損毀的自負額則為每次賠償額之首10,000港元或損毀金額之10%,較高者為準。
保險公司
滙豐
火險(基本保障)
保障範圍
火災及閃電、爆炸、颱風、暴風及洪水、山泥傾瀉及地陷、地震造成損毁涉及的重置費用。
保費率
0.11%
保額300萬港元之首年保費
$3,300
自負額
未有提及
保險公司
滙豐
火險(全面保障)
保障範圍
火災及閃電、爆炸、颱風、暴風及洪水、山泥傾瀉及地陷、飛機、地震、汽車碰撞(由第三者的汽車所引致)、暴動及罷工、惡意損毀、水箱、輸水裝置或水管缺陷造成損毁涉及的重置費用。
保費率
0.15%
保額300萬港元之首年保費
$4,500
自負額
未有提及
保險公司
OneDegree
火險
保障範圍
火災、淹水、雷擊、爐具或煤氣爆炸造成的住宅物業損毁。
保費率
0.03%
保額300萬港元之首年保費
$900
自負額
未有提及
保險公司
中國平安
按揭火險#
保障範圍
受保物業遭受火災,閃電,鍋爐爆炸或家用氣體造成的任何損失或損壞引起的重置費用(排水管及其裝置除外)。
保費率
0.046%
保額300萬港元之首年保費
$1,380
自負額
每次事故索償為損失理算之10%,或最少自負額為10,000港元,以較高者為準。
*假設分層住宅、少於500呎,樓齡40年以下
#假設樓齡22年、單位400呎,保費為折扣後價格

註:
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

家居保險則針對因意外而引起的物業內財物損失,賠償相關的財物損毀費用,例如家庭電器、傢俬、收藏品、珠寶首飾等。然而,由於不同計劃對個別財物的賠償上限存在差異,加上部份產品或會涵蓋第三者責任保險,所以消費者宜按照自己需要,細閱產品條款,以揀選適合自己的產品。

現時不少家居保險不僅涵蓋家居財物,而且提供全球性的個人財保障,例如手提電話、筆記型或平板電腦維修費用;金錢失竊及個人證件補領費用;信用卡被盜用的損失等。

不過,購買家居保險並非業主專利。事實上,不論業主或租客均可按個人需要,自行決定是否購買家居保險,以保障個人財物。至於保費,通常建築面積愈大,保費愈高。若果物業樓齡較大,或非典型的分層單位,保險公司的收費亦有差異。

火險與家居保險相輔相成

以火災為例,火險可賠償牆壁、天花等建築結構損毀,而家居保險則可賠償室內財物損失。由此可見,兩款保險產品實際針對不同風險,投保人切勿混淆。

註:本文最後更新日期2022年6月16日。


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10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker with Insurance Authority License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.  

Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.

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黃維立

AXA Unit Manager

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Nik, Leung Tsz Kei

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10Life Financial Manager, Insurance Specialist

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