一、財產保險有哪幾種
財產保險有財產保(bao)(bao)(bao)(bao)險(xian)、貨物運輸保(bao)(bao)(bao)(bao)險(xian)、運輸工具(ju)保(bao)(bao)(bao)(bao)險(xian)、農業(ye)保(bao)(bao)(bao)(bao)險(xian)、工程保(bao)(bao)(bao)(bao)險(xian)、責任保(bao)(bao)(bao)(bao)險(xian)、保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)、信用保(bao)(bao)(bao)(bao)險(xian)、海(hai)上(shang)保(bao)(bao)(bao)(bao)險(xian)、飛機保(bao)(bao)(bao)(bao)險(xian)、鐵路車輛保(bao)(bao)(bao)(bao)險(xian),具(ju)體如下:
1、財產保險:可保(bao)(bao)被保(bao)(bao)險(xian)(xian)(xian)人財(cai)產(chan)(chan)因為火災和其(qi)他(ta)自然災害以及意外事(shi)故而導致的直(zhi)接(jie)經濟損失,主(zhu)要(yao)包括企業財(cai)產(chan)(chan)保(bao)(bao)險(xian)(xian)(xian)、家(jia)庭財(cai)產(chan)(chan)保(bao)(bao)險(xian)(xian)(xian)、家(jia)庭財(cai)產(chan)(chan)兩全(quan)保(bao)(bao)險(xian)(xian)(xian)、涉外財(cai)產(chan)(chan)保(bao)(bao)險(xian)(xian)(xian),以及其(qi)他(ta)保(bao)(bao)險(xian)(xian)(xian)公司認為適合開設的財(cai)產(chan)(chan)險(xian)(xian)(xian)種。
2、貨物運輸保險:可保(bao)(bao)(bao)貨物(wu)(wu)運輸(shu)(shu)過(guo)程當(dang)中因為自(zi)然(ran)災害(hai)和意外事故而(er)導致的(de)財(cai)產(chan)損失,主要包括(kuo)國(guo)內(nei)貨物(wu)(wu)運輸(shu)(shu)保(bao)(bao)(bao)險、國(guo)內(nei)航空(kong)運輸(shu)(shu)保(bao)(bao)(bao)險、涉外貨物(wu)(wu)運輸(shu)(shu)保(bao)(bao)(bao)險、郵包保(bao)(bao)(bao)險、各種附加險和特(te)約保(bao)(bao)(bao)險。
3、運輸工具保險:可保運(yun)輸工(gong)(gong)具因為自(zi)然災(zai)害和意外事故而導致的運(yun)輸工(gong)(gong)具本身的損失和第三者責(ze)任,主要包(bao)括汽車、機動車輛保險(xian)(xian)、船舶保險(xian)(xian)、飛機保險(xian)(xian)、其他運(yun)輸工(gong)(gong)具保險(xian)(xian)。
4、農業保險:可保種植業、養殖業、飼養業、捕撈業在(zai)生產(chan)過程當中因為自(zi)然災害(hai)或者意外事故(gu)而(er)造(zao)成的(de)損失。
5、工程保險:主要可保(bao)(bao)中外合資企業、引進技術項(xiang)(xiang)目(mu)以及與外貿有關的各專業工程(cheng)的綜合性危險(xian)(xian)所致損失,另外還可保(bao)(bao)國內(nei)建(jian)(jian)筑和(he)安裝工程(cheng)項(xiang)(xiang)目(mu),險(xian)(xian)種一(yi)(yi)般包(bao)括了建(jian)(jian)筑工程(cheng)一(yi)(yi)切險(xian)(xian)、安裝工程(cheng)一(yi)(yi)切險(xian)(xian)、機器損害保(bao)(bao)險(xian)(xian)、國內(nei)建(jian)(jian)筑、安裝工程(cheng)保(bao)(bao)險(xian)(xian)、船舶(bo)建(jian)(jian)造險(xian)(xian)、以及保(bao)(bao)險(xian)(xian)公(gong)司承保(bao)(bao)的其(qi)他工業險(xian)(xian)。
6、責任保險:主(zhu)要可保(bao)(bao)被保(bao)(bao)險(xian)(xian)(xian)(xian)人的民事損害賠償責(ze)(ze)任(ren)(ren)(ren)(ren),主(zhu)要包括公眾(zhong)責(ze)(ze)任(ren)(ren)(ren)(ren)保(bao)(bao)險(xian)(xian)(xian)(xian)、第三者(zhe)責(ze)(ze)任(ren)(ren)(ren)(ren)險(xian)(xian)(xian)(xian)、產品責(ze)(ze)任(ren)(ren)(ren)(ren)保(bao)(bao)險(xian)(xian)(xian)(xian)、雇主(zhu)責(ze)(ze)任(ren)(ren)(ren)(ren)保(bao)(bao)險(xian)(xian)(xian)(xian)、職業責(ze)(ze)任(ren)(ren)(ren)(ren)保(bao)(bao)險(xian)(xian)(xian)(xian)等險(xian)(xian)(xian)(xian)種(zhong)。
7、保證保險:即被保(bao)(bao)證(zheng)人根(gen)據權(quan)利人的要求投保(bao)(bao)自己信用(yong)的保(bao)(bao)險(xian),主(zhu)要包括合同保(bao)(bao)證(zheng)保(bao)(bao)險(xian)、忠實(shi)保(bao)(bao)證(zheng)保(bao)(bao)險(xian)、產品保(bao)(bao)證(zheng)保(bao)(bao)險(xian)。
8、信用保險:即權(quan)利人要求被保證人信(xin)用的(de)保險(xian),主(zhu)要包括(kuo)業信(xin)用保證保險(xian)、出口信(xin)用保險(xian)、投(tou)資(政(zheng)治風險(xian))保險(xian)。
9、海上保險:可(ke)對海上財產,比如(ru)船舶、貨物,以(yi)及與之相(xiang)關的(de)利益,比如(ru)租(zu)金(jin)、運費,和與之相(xiang)關的(de)責任(ren),比如(ru)損失(shi)賠償(chang)責任(ren)等進(jin)行保(bao)障。保(bao)險公司可(ke)以(yi)對前述海上保(bao)險標的(de)因為保(bao)單承保(bao)風險而導致的(de)損失(shi)進(jin)行賠付。
10、飛機保險:可對(dui)(dui)因為保(bao)險(xian)風(feng)險(xian)而導致發(fa)生(sheng)的飛機機身損失、乘客(ke)的意外傷害(hai)以及對(dui)(dui)第三(san)者應當承擔的責任(ren)損失進(jin)行保(bao)障,主要包括機身險(xian)、乘客(ke)意外傷害(hai)保(bao)險(xian)、第三(san)者責任(ren)險(xian)等。
11、鐵路車輛保險:可對(dui)因為保險風險而導致發生的機車(che)以及(ji)車(che)輛損(sun)(sun)失、旅客意外傷害(hai)損(sun)(sun)失進行保障。
二、財產保險要如何選擇險種
1、根據自身需求選擇保險產品:在選擇財產保險時,應根(gen)據自(zi)身財產狀(zhuang)況(kuang)、風險承受(shou)能力等因素選擇適合自(zi)己的保險產品。
2、對比不同產品保障范圍:不(bu)(bu)同保(bao)險(xian)產(chan)(chan)品(pin)的(de)保(bao)障(zhang)范(fan)圍可能(neng)有所不(bu)(bu)同,選擇時應對比不(bu)(bu)同產(chan)(chan)品(pin)的(de)保(bao)障(zhang)范(fan)圍,選擇最(zui)符合自己需求的(de)保(bao)險(xian)產(chan)(chan)品(pin)。
3、考慮保費與保額的比例:在選(xuan)擇財產(chan)保險時(shi),應考慮保費(fei)與(yu)保額的(de)比(bi)例,選(xuan)擇性(xing)價比(bi)最高的(de)產(chan)品。