JAYZHANG 0 Posted August 30, 2022 Share Posted August 30, 2022 Brokerunion 专业保险经纪,公司旗下代理12家保险公司,满足各类客户的保险需求: 1. 学生车险 2. 租客保险 3. 商业保险 4. 旅行险 中文服务,有汽车租房的问题请随时咨询 手机:226-978-1453 微信:zhang_2xs Link to comment Share on other sites More sharing options...
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JAYZHANG 0 Posted September 6, 2022 Author Share Posted September 6, 2022 租客险是所有房屋险中价格最低,同时也是最容易被房东以及租客双方共同忽略的安全保障。在租房市场异常红火的今天,本人简要介绍下租客险的重要性,以及它为持有者个人的心灵宁静所能带来的巨大价值,希望大家喜欢。 对房东端的价值: 租客险对房东的价值主要体现在第三方责任险上。现在我们假设房东将自己的二层独立屋上下两层分开出租给两个家庭,同时为自己的出租屋保险投保两百万责任险。如果房东对租客险没有要求,那么在租客租住过程中,房东至少会被暴露在两个风险之下。 风险一:因为租客的疏忽导致出租屋本身因为各种原因(火灾、水管爆裂)遭到了巨大损失。由于租客没有第三方责任险,房东无法向租客提起诉讼,并在胜诉后从租客所在的保险公司获得相应的第三方责任险赔偿。 风险二:因为租客的疏忽导致出租屋本身因为各种原因(火灾、水管爆裂)遭到了巨大损失外,还殃及了周围邻居的房屋,导致他们的财产遭到巨大损失。由于租客没有第三方责任险,受到财产损失的邻居很有可能向房东提起诉讼,要求从房东自己的第三方责任险中获得赔偿。如果每一个租客所在家庭都有租客险,并且每个租客险都自带两百万,那么受到损失的邻居和房东可以一起向这两个租客提起诉讼(前提是他们都有责任),并从对方的第三方责任险中获得赔偿,并且这个赔偿上限会从房东的两百万,提高到租客的四百万。 对租客端的价值: 租客险对租客的保障体现在两个方面: 一、覆盖全球的财产保障。安省的车险会严格界定车与车主个人财产的界限,一旦发生事故他们只会为车本身提供保险服务,而不会保障车主在汽车内携带的任何个人资产:比如手机、电脑、现金、信用卡等等。这部分的保障必须由覆盖车主个人财产的财产险给出,当然这个财产险也包括了租客险。 同时客户在全球任何一个地方旅行,即使他们的财产损失没有在自己的租屋内发生,保险公司仍然会接受他们正当的理赔请求,因为客户的个人财产受到了保障(当然保险公司会向客户索要他们损失财产的购买收据)。 二、覆盖全球的第三方责任险。现在假设一个安省客户前往墨西哥旅行,但是很不幸,因为他的疏忽导致自己所居住的酒店遭受了巨大财产损失,酒店很有可能会向这位客户提起诉讼。这个时候租客险公司就会介入,保护客户的正当权益,如果最后不幸法院判定客户负有责任,胜诉的酒店就会从第三方责任险中获得赔偿,除非他们索要的赔偿超过了保单的责任险上限。保险公司只会承担保单上规定的责任险上限,一般为两百万加币,剩下的赔偿就只能由客户自己承担了。 时间有限,挂一漏万。欢迎有车房险需求的朋友向我咨询保险事宜。 手机:226-978-1453 微信:zhang_2xs Link to comment Share on other sites More sharing options...
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