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renters","所有房屋所有者及租屋族",{"@type":127,"mainEntity":128},"FAQPage",[129,135,139,143,147,151,155,159,163,167,171,175,179,183,187,191],{"@type":130,"name":131,"acceptedAnswer":132},"Question","投保住宅火災及地震基本保險(居家綜合保險)的建築物有無使用性質的限制？",{"@type":133,"text":134},"Answer","建築物使用性質須作為住宅使用；若住宅改為早餐店、辦公室等商業用途，皆不可投保。",{"@type":130,"name":136,"acceptedAnswer":137},"在網路投保住宅火災及地震基本保險(居家綜合保險)的住宅建物，其建築結構有何限制？",{"@type":133,"text":138},"網路投保住宅火險之建築物結構限磚水泥、鋼筋水泥、鋼骨水泥、鋼筋混凝土、鋼筋加強磚、RC加強磚，其他結構的建築物欲投保請洽本公司客服。",{"@type":130,"name":140,"acceptedAnswer":141},"我不知道我家的房子結構是甚麼？投保時要如何填寫建築結構？",{"@type":133,"text":142},"有關建築結構請依您房屋所有權狀上「主要建材」資料填寫。",{"@type":130,"name":144,"acceptedAnswer":145},"屋齡30年的老房子，還能投保住宅火災及地震基本保險(居家綜合保險)嗎？",{"@type":133,"text":146},"投保住宅火災及地震基本保險(居家綜合保險)並沒有屋齡的限制，屋齡30年的老房子仍可投保。",{"@type":130,"name":148,"acceptedAnswer":149},"同一棟樓二戶打通當住家，是否只要買一張住宅火災及地震基本保險(居家綜合保險)就好？",{"@type":133,"text":150},"由於以「每一門牌推定為一住宅建築物，每一住宅建築物投保一張保單」為原則，所以二個門牌之住宅建築物打通做共同使用，應投保兩張保單。",{"@type":130,"name":152,"acceptedAnswer":153},"住宅火災及地震基本保險一次可以保好幾年嗎？",{"@type":133,"text":154},"保險期間一次最長為一年期，一年投保一次。",{"@type":130,"name":156,"acceptedAnswer":157},"火險變更標的物使用性質是否應通知保險公司？",{"@type":133,"text":158},"依據保險單之基本條款第七、八條規定，變更標的物、使用性質皆要通知保險公司。",{"@type":130,"name":160,"acceptedAnswer":161},"「建築物」及「建築物內動產」的定義為何？",{"@type":133,"text":162},"建築物：定著於土地作為住宅使用之獨棟式建築物或整棟建築物之一層或一間，含裝置或固定於建築物內之 冷暖氣、電梯、電扶梯、水電衛生設備及建築物裝潢，並包含其停車間、儲藏室、家務受僱人房、游泳池、圍牆、走廊、門庭、公共設施之持分。建築物內動產：除保險契約另有約定外，指被保險人及其配偶、家屬、受僱人或同居人所有、租用、或借用之家具、衣李及其他置存於建築物內供生活起居所需之一切動產(包含冷暖氣)。",{"@type":130,"name":164,"acceptedAnswer":165},"何謂「重置成本」與「實際現金價值」？",{"@type":133,"text":166},"重置成本：指保險標的物以同品質或類似品質之物，依原設計、原規格在當時當地重建重置所需成本之金額，不扣除折舊。實際現金價值：指保險標的物在當時當地之實際市場現金價值，即以重置成本扣除折舊之餘額。",{"@type":130,"name":168,"acceptedAnswer":169},"地震基本保險的保險範圍為何？",{"@type":133,"text":170},"(1)承保地震震動、地震引起的火災及爆炸、地震引起的地層下陷、滑動、開裂、決口、地震引起的海嘯、海嘯高漲、洪水造成房屋全損，或房屋經專門技師公會鑑定為不堪居住、補強費用為重建費用的50%以上者，每戶賠償最高額度以保險金額為限，且不得超過新台幣150萬元。(2)臨時住宿費用，每戶補償新台幣20萬元。",{"@type":130,"name":172,"acceptedAnswer":173},"地震基本保險的保險金額如何決定？",{"@type":133,"text":174},"地震基本保險的保險金額計算基礎參考中華民國產物保險商業同業公會編製的「台灣地區住宅類建築造價參考表」所訂的計算公式估算，其計算公式為：每坪造價X坪數，最高為新台幣150萬元。",{"@type":130,"name":176,"acceptedAnswer":177},"投保住宅火災及地震基本保險(居家綜合保險)，自動涵蓋的動產，保額有沒有限制？",{"@type":133,"text":178},"投保住宅火險的建築物會自動承保建築物內動產，建築物內動產的保險金額是以建築物保險金額30%計算，最高不超過新台幣80萬元，但地震基本保險僅承保建築物本體。",{"@type":130,"name":180,"acceptedAnswer":181},"什麼是房屋全損？如何認定？",{"@type":133,"text":182},"經政府機關或建築、結構、土木等專門之技師公會出具證明，鑑定為不堪居住必須拆除重建，或非經修建不能居住且其補強費用的50%以上者。",{"@type":130,"name":184,"acceptedAnswer":185},"何謂臨時住宿費用？",{"@type":133,"text":186},"承保建築物因承保事故發生毀損致不適合居住，於修復或重建期間，被保險人必須暫住旅社或租賃房屋，所支出之合理費用。若為地震事故導致，每一事故之賠償限額最高為新台幣20萬元。若為火災事故導致，每一事故之賠償限額為每日新台幣5千元，最高新台幣20萬為限。",{"@type":130,"name":188,"acceptedAnswer":189},"投保完成一直沒收到保單怎麼辦？",{"@type":133,"text":190},"紙本保單：核保完成後約7個工作日寄送保單，若仍未收到保單請來電本公司客服確認保單處理進度。電子保單：請先協助查詢信件是否自動轉入垃圾郵件閘，若還是未收到郵件，請來電本公司客服確認登記郵件信箱是否有誤，我們將請保險公司協助補發電子保單。",{"@type":130,"name":192,"acceptedAnswer":193},"我的房子有貸款抵押，投保完成保單會寄給抵押銀行嗎？",{"@type":133,"text":194},"投保完成會協助將正本保單及副本收據郵寄給您指定的銀行地址，故務必填寫正確的抵押銀行資訊(抵押銀行名稱、銀行收件地址及收件人)，以利保單寄送。貼心小提醒：若有抵押銀行，請於投保前與銀行確認住宅火險「建築物投保金額」，避免投保金額不符合銀行要求。",{"@type":196,"@id":94,"itemListElement":197},"BreadcrumbList",[198,202],{"@type":199,"position":200,"name":201,"item":37},"ListItem",1,"首頁",{"@type":199,"position":203,"name":96,"item":89},2,1777345534280]