一、財產一切險的責任范圍包括什么

財產一切險（Property All Risks）是承(cheng)保(bao)財(cai)產因自然災害(hai)或(huo)意外(wai)事(shi)(shi)故以及由于突然和(he)不可(ke)預料的(de)(de)(de)事(shi)(shi)故造成的(de)(de)(de)損(sun)失，除保(bao)險(xian)(xian)(xian)(xian)(xian)條(tiao)款(kuan)規定的(de)(de)(de)責(ze)任外(wai)，保(bao)險(xian)(xian)(xian)(xian)(xian)人均負(fu)責(ze)賠償。財(cai)產一(yi)切(qie)險(xian)(xian)(xian)(xian)(xian)是在(zai)火險(xian)(xian)(xian)(xian)(xian)基(ji)礎(chu)上發(fa)展起來的(de)(de)(de)。火險(xian)(xian)(xian)(xian)(xian)只(zhi)承(cheng)保(bao)火災、雷電和(he)爆炸，其余風(feng)險(xian)(xian)(xian)(xian)(xian)，如地陷(xian)、洪水等(deng)人力不可(ke)抗拒(ju)的(de)(de)(de)自然災害(hai)和(he)意外(wai)事(shi)(shi)故，作為(wei)火險(xian)(xian)(xian)(xian)(xian)的(de)(de)(de)附加險(xian)(xian)(xian)(xian)(xian)，綜合形成財(cai)產保(bao)險(xian)(xian)(xian)(xian)(xian)，但(dan)對(dui)人為(wei)的(de)(de)(de)偷竊、疏忽(hu)、他人的(de)(de)(de)惡意行為(wei)等(deng)風(feng)險(xian)(xian)(xian)(xian)(xian)一(yi)概除外(wai)。財(cai)產一(yi)切(qie)險(xian)(xian)(xian)(xian)(xian)則承(cheng)保(bao)了人力不可(ke)抗拒(ju)的(de)(de)(de)風(feng)險(xian)(xian)(xian)(xian)(xian)和(he)人為(wei)的(de)(de)(de)風(feng)險(xian)(xian)(xian)(xian)(xian)，除保(bao)險(xian)(xian)(xian)(xian)(xian)條(tiao)款(kuan)列明的(de)(de)(de)責(ze)任外(wai)都予負(fu)責(ze)。

財(cai)(cai)產(chan)(chan)(chan)一(yi)切(qie)險(xian)(xian)(xian)(xian)的(de)(de)(de)保險(xian)(xian)(xian)(xian)財(cai)(cai)產(chan)(chan)(chan)及費用(yong)一(yi)般可包(bao)括：建筑(zhu)物（包(bao)括裝修）、機器設備(bei)、辦公(gong)用(yong)品(pin)、倉儲物品(pin)、清除(chu)殘骸(hai)費用(yong)、滅火費用(yong)等。財(cai)(cai)產(chan)(chan)(chan)一(yi)切(qie)險(xian)(xian)(xian)(xian)的(de)(de)(de)保障程度(du)比較寬。被保險(xian)(xian)(xian)(xian)人遵守保險(xian)(xian)(xian)(xian)單中(zhong)的(de)(de)(de)各項(xiang)約(yue)定，是財(cai)(cai)險(xian)(xian)(xian)(xian)公(gong)司承(cheng)擔賠(pei)償責任的(de)(de)(de)先(xian)決條件。在投保了財(cai)(cai)產(chan)(chan)(chan)一(yi)切(qie)險(xian)(xian)(xian)(xian)的(de)(de)(de)基(ji)礎(chu)上(shang)，經與財(cai)(cai)險(xian)(xian)(xian)(xian)公(gong)司協商一(yi)致，可由保險(xian)(xian)(xian)(xian)公(gong)司加批(pi)若干附加條款，以增加對被保險(xian)(xian)(xian)(xian)人的(de)(de)(de)保障程度(du)。

承(cheng)保(bao)由(you)于自然(ran)災(zai)害(hai)造成(cheng)(cheng)的損(sun)失，也承(cheng)保(bao)由(you)于意外以(yi)及員(yuan)工操作不(bu)當（需在附加(jia)投保(bao)機(ji)器損(sun)壞險(xian)的基礎上(shang)）所造成(cheng)(cheng)的損(sun)失。自然(ran)災(zai)害(hai)包括雷電(dian)、颶風(feng)(feng)(feng)(feng)、臺風(feng)(feng)(feng)(feng)、龍(long)卷風(feng)(feng)(feng)(feng)、風(feng)(feng)(feng)(feng)暴、暴雨、洪水、水災(zai)、凍災(zai)、冰(bing)雹(bao)、地崩、山崩、雪崩、火山爆(bao)(bao)發、地面下陷下沉及其他人(ren)力不(bu)可抗拒的破(po)壞力強大的自然(ran)現象。意外事(shi)故包括不(bu)可預(yu)料的以(yi)及被保(bao)險(xian)人(ren)無法(fa)控制并造成(cheng)(cheng)物質(zhi)損(sun)失的突(tu)發性事(shi)件(jian)，包括火災(zai)和爆(bao)(bao)炸(zha)。

二、財產保險包括車險嗎

財產保險包括車險。

車險是財產保險的(de)一(yi)個重要(yao)(yao)(yao)種(zhong)類，主(zhu)要(yao)(yao)(yao)針對(dui)機動(dong)(dong)車(che)(che)(che)輛提供(gong)保障，包括機動(dong)(dong)車(che)(che)(che)輛損失險(xian)(xian)、第三者責(ze)任險(xian)(xian)和(he)車(che)(che)(che)上人員責(ze)任險(xian)(xian)等。此外，車(che)(che)(che)險(xian)(xian)還可以(yi)細分為交強險(xian)(xian)和(he)商業險(xian)(xian)，其中交強險(xian)(xian)是國家強制要(yao)(yao)(yao)求的(de)，而(er)商業險(xian)(xian)則是車(che)(che)(che)主(zhu)為了進一(yi)步保障自(zi)己的(de)車(che)(che)(che)輛而(er)自(zi)愿(yuan)購(gou)買的(de)。因此，財(cai)產(chan)保險(xian)(xian)的(de)范疇(chou)確實(shi)涵蓋了車(che)(che)(che)險(xian)(xian)。