building insurance到底保什么

unununium

准备买老房子，网上查了查insurance，一般都包括洪水，地震啥的，但是如果是房子本身就比较老了，比如移位，下陷等情况保吗？
如果保的话，那我不是可以找一个很老的房子，然后买保险，等它自然倒掉，然后保险公司会给我一个新房子？

kxwkx

不是等它自然倒掉，比较难等，应该是不小心着火烧掉

Cooogeee

building insurance是包含在strata里头的吗

Pinkrose

楼主可以多买几套老房子等倒

zyr200

Cooogeee 发表于 2013-12-26 10:31

building insurance是包含在strata里头的吗
apartment的话一般是，不过也要看有没有投保

zyr200

有INSURED EVENTS才保的吧。。。自然倒一般保险公司应该不会保的～

sushier

肯定人比房先倒。

shangpin

那我不是可以找一个很老的房子，然后买保险，等它自然倒掉，然后保险公司会给我一个新房子？

买人身保险,等1年后自杀, 钱来得更快 !

unununium

zyr200 发表于 2013-12-26 10:46

有INSURED EVENTS才保的吧。。。自然倒一般保险公司应该不会保的～
不是每个insurance里面都有sum insurred一般都是几十万，就是房屋的估算价值，我感觉就是如果房子倒了就是赔这个，不是么？

zyr200

unununium 发表于 2013-12-26 15:13

不是每个insurance里面都有sum insurred一般都是几十万，就是房屋的估算价值，我感觉就是如果房子倒了就 ...
INSURANCE USUALLY ONLY COVERS DAMAGE CAUSED BY COVERED INSURED EVENTS, SUCH AS FLOOD, BUSHFIRE, EARTHQUAKE, HOUSE FIRE, WATER DAMAGE, THEFT AND BURGLARY, RIOTS ETC.  
In Product Disclosure Statement it would usually states something such as:
We do not cover: loss or damage caused by erosion, vibration,subsidence, landslip, landslide, mudslide,collapse, shrinkage or any other earth movement, but we will cover damage to the building caused by a landslide or subsidence that occurs within 72 hours of, and directly because of, flood and not because of erosion over time, structural fault or design fault.
Hope it helps. Or else you can call the hotline or check a few different companies' PDS and get some better idea before buying.