# 香港家居保險 所謂火險，一般只包括結構損毀，可以是火災引致，又或因滅火過程中由消防人員造成之水漬損毀，又甚或是單位外牆因鄰居裝修而意外損壞，但並不保障物業內的財物損失。 與「火險」不同，火險主要承保樓宇結構相關的損失，而財物保險焦點則在於住房內的財物，包括衣物鞋履、首飾古董等 <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">家居保險漏水</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">家居保險火險</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">村屋家居保險</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">家居裝修保險</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">家居保險範圍</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">家居保險幾時買</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">租客家居保險</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">家居保險租客</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/home-insurance">家居保險第三者責任</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/fire-insurance">家居保邊間好</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">家居保險漏水到樓下</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">家居保險爆水喉</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">家居保險手提電話</a> 與「火險」不同，財物保險焦點則在於住房內的財物，包括的項目更為廣泛，除了包括由火災引致的財物損失，亦包括其他意外 例如颱風、閃電或爆竊等，而且更會賠償因居所不能入住而導致的臨時居所費用。 銀行上會時要求買的火險主要承保建築樓宇結構，即是天花、地板、窗台等損毀，家居財物及裝修等損失則不保。 另外，火災以外引致的損毀，純火險亦不會賠償。 <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C">家居保險漏水索償</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">家居保險第三者責任保險</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">家居保險優惠</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">家居火險邊間好</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">家居保險價錢</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">業主家居保險</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">家居保險推介</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">火險</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">火險報價</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">按揭火險</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">火險比較</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">火險最平</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">火險保費</a> 若然家中發生水災，不但令全屋水浸，水流還從大門縫隙流到大堂，引致大堂水浸，升降機亦損毀。 事面上的涉及物業的保險林林總總，包括火險、裝修保險，家居保險等。一般讀者都會有相同疑問：家居保險是否「全保」? 還否只保火災? 其實保險條款每間公司各有不同，難說誰稱得上「全保」，投保前最好先要弄清楚，本身希望得到甚麼保障。 <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">家居火險</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">火險價錢</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">樓宇火險</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">火災險</a> <a href="http://www.wral.com/content/creative_services/promos/clickthru?ct=1&oaparams=2__bannerid=24__zoneid=2__cb=65bf79125e__oadest=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">火災保險</a> <a href="https://cbexapp.noaa.gov/tag/index.php?tc=1&tag=homeinsurance">樓宇結構保險</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/home-insurance">投保火險需要什麼資料</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/fire-insurance">火險一定要買</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">火險按揭</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">火險家居保險</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">火險保額</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C">居屋火險</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">火險賠償計算</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">家居保險火險</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">家居保險邊間好</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">家居保險漏水</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">火險家居保險</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">家居保險比較</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">家居保險租客</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">家居保險第三者責任保險</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">租客家居保險</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">家居保險手提電話</a> 事實上，涉及物業的保險大項主要有兩類，包括「火險」及「財物保險」。 業主要面對的，除了屋內財物損毀之餘，還有機會被業主立案法團追討昂貴的升降機維修費和樓下鄰居追討因天花漏水的裝修費。 水浸後重新裝修期間，業主要搬到外面住，又是另一筆開支。 一般而言，家居保有三方面的保障，除了樓宇結構外，還會有家居財物保障，以及第三者責任保險，保障比火險全面很多。 <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">家居保險裝修</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">公屋家居保險</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">火險家居保險分別</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">家居保險價錢</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">家居保險公屋</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">家居保險第三者責任</a> <a href="https://community.restaurant.org/links?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">家居保險電器</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/home-insurance">家居保險電話</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/fire-insurance">租屋家居保險</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">家居保險滲水</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">租樓家居保險</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">家居保險vs火險</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C">家居保險停電</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">家居保險火災</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">家居保險40年樓</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">家居保險樓宇結構保障</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">家居保險水浸</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">家居保險推介</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">家居保險爆水喉</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">消委會家居保險</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">家居保險優惠</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">家居保險好</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">家居保險搬屋</a> 家居財物除了傢俬及個人物品外，還會包括裝修。 另一方面，保障範圍更由「屋殼」內的財物，如衣物鞋履、首飾古董等，甚至是雪櫃內的食物，推展至屋外的日常跟身個人物品，例如證件、金錢及信用卡等。 一旦大頭蝦遺失銀包，亦可受保。然而，由於遺失事件時有發生，這部分屬「高風險」項目，一般保單保額不高，如有需要攜帶大量金錢外出，還是小心為妙。 一般家居保險都必定包括財物保險，而個別保險商亦在將結構保險，即所謂「火險」。 列為家居保險中的附加項目，若大廈法團未為業主購買，又或是村屋、獨立屋業主，則可以一併加購。 <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">家居保險天災</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">家居保險遺失電話</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">家居保險業主</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">家居保險水喉漏水</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">家居保險消委會</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">家居保</a> <a href="https://myesc.escardio.org/Account/escregister?returnurl=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">家居保漏水</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/home-insurance">家居保比較</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/fire-insurance">家居保邊間好</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">火險家居保</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">家居保電話</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">家居保第三者責任</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C">家居保火險</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">家居保停電</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">家居保爆水喉</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">火險vs家居保</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">家居保手機</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">家居保租客</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">打風家居保</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">家居保打風</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">漏水家居保</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">家居保險</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">保誠家居保</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">家居保险</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">家居保險包什麼</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">家居保險比較</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">家居保險邊間好</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">家居保險漏水</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">家居保險火險</a> <a href="https://www.opencare.com/?redirect_to=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">村屋家居保險</a> 事實上，一間屋最貴重的東西未必是金銀珠寶，而是裝修。現時簡單的裝修少說也要十幾廿萬，講究一些隨時要過百萬元。 若然屋內真的發生水浸，財物未必會損毀，但裝修則已報銷。 在財物及裝修保障方面，保險公司通常會有兩類收費法方。 第一種是一些金銀銅套餐計劃，金套餐保費較貴，賠償上限會較高，銅套餐保費平，但賠償額自然會少一些。 <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/fire-insurance">保誠家居保</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">家居保险</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">家居保險包什麼</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">家居保險比較</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk%2Fzh-hk%2Fblog%2Fhome-insurance%2F%25E5%25AE%25B6%25E5%25B1%2585%25E4%25BF%259D%25E9%259A%25AA%25E7%2581%25AB%25E9%259A%25AA-%25E5%25B8%25B8%25E8%25A6%258B%25E5%2595%258F%25E9%25A1%258C">家居保險邊間好</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">家居保險漏水</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">家居保險火險</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">村屋家居保險</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">家居裝修保險</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">家居保險範圍</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">家居保險幾時買</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">租客家居保險</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">家居保險租客</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">家居保險第三者責任</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">家居保邊間好</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">家居保險漏水到樓下</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">家居保險爆水喉</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">家居保險手提電話</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">家居保險漏水索償</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">家居保險第三者責任保險</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">家居保險優惠</a> <a href="https://www.liveinternet.ru/?https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">家居火險邊間好</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/home-insurance">家居保險價錢</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/fire-insurance">業主家居保險</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">家居保險推介</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">火險</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">火險報價</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C">按揭火險</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">火險比較</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">火險最平</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">火險保費</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">家居火險</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">火險價錢</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">樓宇火險</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">火災險</a> 另一種是用家居面積計算，面積愈大，保費愈貴。 要留意的是，雖然現時地產商已轉用實用面積計算樓價，但大部份家居保仍然以建築面積來計算保費，消費者必需留意。 有些人的家中未必有貴重財物，可能只有一、兩件特別名貴的財物，若因此買最貴的套餐，部份財物的保額便買過大。 事實上，錢財身外物，屋內屋外財物損失事小，涉及他人的法律責任則事關重大。 <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">火災保險</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">樓宇結構保險</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">投保火險需要什麼資料</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">火險一定要買</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">火險按揭</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">火險家居保險</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">火險保額</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">居屋火險</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">火險賠償計算</a> <a href="https://on.substack.com/i/118786561?img=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">家居保險火險</a> <a href="https://www.forum.ga18.rspo.org/viewtopic.php?t=21215">家居保險邊間好</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/home-insurance">家居保險漏水</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/fire-insurance">火險家居保險</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">家居保險比較</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">家居保險租客</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">家居保險第三者責任保險</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C">租客家居保險</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">家居保險手提電話</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">家居保險裝修</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">公屋家居保險</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">火險家居保險分別</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">家居保險價錢</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">家居保險公屋</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">家居保險第三者責任</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">家居保險電器</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">家居保險電話</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">租屋家居保險</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">家居保險滲水</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">租樓家居保險</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">家居保險vs火險</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">家居保險停電</a> 以單位火災為例，火災雖未必波及樓上單位，但如鄰近單位的外牆已被薰黑，亦有可能引致有人受傷。 一般而言，樓宇外牆業權屬於大業主，因此大業主極可能就清理污漬或維修費用向肇事單位業主索賠，而傷者亦可能追討賠償。 目前，市面上的家居保險多已包括第三者責任保險，一般保額最少達300萬元，最高更可達過千萬元（見表），視乎投保人所選的計劃。 現時有些保險計劃，可為個別財物投保，投保人可自行設定保額，當然，保額愈高，保費自然愈貴。 <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">家居保險火災</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">家居保險40年樓</a> <a href="https://www.library.hbs.edu/bundles/baker/feed2js/feed2js.php?html=y&src=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">家居保險樓宇結構保障</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/home-insurance">家居保險水浸</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/fire-insurance">家居保險推介</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">家居保險爆水喉</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">消委會家居保險</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">家居保險優惠</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C">家居保險好</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">家居保險搬屋</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">家居保險天災</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">家居保險遺失電話</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">家居保險業主</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">家居保險水喉漏水</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">家居保險消委會</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">家居保</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">家居保漏水</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">家居保比較</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">家居保邊間好</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">火險家居保</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">家居保電話</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">家居保第三者責任</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">家居保火險</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">家居保停電</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">家居保爆水喉</a> <a href="https://beskuda.ucoz.ru/go?https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">火險vs家居保</a> <a href="https://vws.vektor-inc.co.jp/forums/users/144111">家居保手機</a> <a href="https://vws.vektor-inc.co.jp/forums/users/1degreeproject">家居保租客</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/home-insurance">打風家居保</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/fire-insurance">家居保打風</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">漏水家居保</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">家居保險</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">保誠家居保</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C">家居保险</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">家居保險包什麼</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">家居保險比較</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">家居保險邊間好</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">家居保險漏水</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">家居保險火險</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">村屋家居保險</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">家居裝修保險</a> 另外，一般家居保的財物保險，物品要在屋內損毀才可賠，但有些財物保險則沒有此限制。 即使財物在街上、甚至在外國，只要是因意外丟失或弄毀物品，也可以獲得賠償。 另外，家居保亦有分損失成因，之前談及的火險是其中一種，顧名思義，是要發生火災才可以賠。 一般計劃所包含的保額以每年為單位，亦有部分以每宗意外計算。 值得留意的是，所謂第三者責任，其實亦可細分為身為業主於公眾地方的責任、旗下單位租客的責任，與及全球個人責任等。 <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">家居保險範圍</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">家居保險幾時買</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">租客家居保險</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">家居保險租客</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">家居保險第三者責任</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">家居保邊間好</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">家居保險漏水到樓下</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">家居保險爆水喉</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">家居保險手提電話</a> <a href="https://www.cs.rochester.edu/trac/quagents/search?q=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">家居保險漏水索償</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/home-insurance&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">家居保險第三者責任保險</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/fire-insurance&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">家居保險優惠</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">家居火險邊間好</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">家居保險價錢</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">業主家居保險</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">家居保險推介</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火險</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火險報價</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">按揭火險</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火險比較</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火險最平</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火險保費</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">家居火險</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火險價錢</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">樓宇火險</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火災險</a> 就上述火災事件而言，涉及的保障就是首項，只要保單包含這個項目，一旦意外發生便可獲保障。 另一種是水火險，即會承保水災及火災引起的損失。 第三種是全險，除水災及火災外，山泥傾瀉、颱風、有賊入屋爆竊、爆炸等意外，都可獲得賠償。 至於賠償方面，有分折舊或以新代舊兩種。前者是保險公司根據物件的折舊價值賠償，這通常會應用在電器或消耗品上。 至於以新代舊，是保險公司用該物件的市價來賠償。 <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火災保險</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">樓宇結構保險</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">投保火險需要什麼資料</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火險一定要買</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火險按揭</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火險家居保險</a> <a href="https://api1.linkr.bio/callbacks/go?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks&hash=lXQmrJXZ&type=1&id=A8a7pVXZ">火險保額</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/home-insurance">居屋火險</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/fire-insurance">火險賠償計算</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">家居保險火險</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">家居保險邊間好</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">家居保險漏水</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C">火險家居保險</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">家居保險比較</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">家居保險租客</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">家居保險第三者責任保險</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">租客家居保險</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">家居保險手提電話</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">家居保險裝修</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">公屋家居保險</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">火險家居保險分別</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">家居保險價錢</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">家居保險公屋</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">家居保險第三者責任</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">家居保險電器</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">家居保險電話</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">租屋家居保險</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">家居保險滲水</a> 「火險」vs「全保」？ 事面上的涉及物業的保險林林總總，包括火險、裝修保險，家居保險等。一般讀者都會有相同疑問：家居保險是否「全保」? 還否只保火災? 其實保險條款每間公司各有不同，難說誰稱得上「全保」，投保前最好先要弄清楚，本身希望得到甚麼保障。 事實上，涉及物業的保險大項主要有兩類，包括「火險」及「財物保險」。 所謂火險，一般只包括結構損毀，可以是火災引致，又或因滅火過程中由消防人員造成之水漬損毀，又甚或是單位外牆因鄰居裝修而意外損壞，但並不保障物業內的財物損失。 <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">租樓家居保險</a> <a href="http://wiki.angloscottishmigration.humanities.manchester.ac.uk/api.php?action=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">家居保險vs火險</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/home-insurance">家居保險停電</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/fire-insurance">家居保險火災</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">家居保險40年樓</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">家居保險樓宇結構保障</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">家居保險水浸</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C">家居保險推介</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">家居保險爆水喉</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">消委會家居保險</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">家居保險優惠</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">家居保險好</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">家居保險搬屋</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">家居保險天災</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">家居保險遺失電話</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">家居保險業主</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">家居保險水喉漏水</a> 與「火險」不同，火險主要承保樓宇結構相關的損失，而財物保險焦點則在於住房內的財物，包括衣物鞋履、首飾古董等（資料圖片） 與「火險」不同，財物保險焦點則在於住房內的財物，包括的項目更為廣泛，除了包括由火災引致的財物損失，亦包括其他意外，例如颱風、閃電或爆竊等，而且更會賠償因居所不能入住而導致的臨時居所費用。 另一方面，保障範圍更由「屋殼」內的財物，如衣物鞋履、首飾古董等，甚至是雪櫃內的食物，推展至屋外的日常跟身個人物品，例如證件、金錢及信用卡等。 一旦大頭蝦遺失銀包，亦可受保。然而，由於遺失事件時有發生，這部分屬「高風險」項目，一般保單保額不高，如有需要攜帶大量金錢外出，還是小心為妙。 一般家居保險都必定包括財物保險，而個別保險商亦在將結構保險，即所謂「火險」。 列為家居保險中的附加項目，若大廈法團未為業主購買，又或是村屋、獨立屋業主，則可以一併加購。 第三者責任 重中之重 事實上，錢財身外物，屋內屋外財物損失事小，涉及他人的法律責任則事關重大。 以單位火災為例，火災雖未必波及樓上單位，但如鄰近單位的外牆已被薰黑，亦有可能引致有人受傷。 一般而言，樓宇外牆業權屬於大業主，因此大業主極可能就清理污漬或維修費用向肇事單位業主索賠，而傷者亦可能追討賠償。 目前，市面上的家居保險多已包括第三者責任保險，一般保額最少達300萬元，最高更可達過千萬元（見表），視乎投保人所選的計劃。 一般計劃所包含的保額以每年為單位，亦有部分以每宗意外計算。 <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">家居保險消委會</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">家居保</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-third-party-liability">家居保漏水</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/faq/article/how-do-i-file-a-home-insurance-claim">家居保比較</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/home-insurance/power-outage-home-insurance-coverage">家居保邊間好</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-common-misconceptions">火險家居保</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-premium-tips">家居保電話</a> <a href="http://news4.thomasnet.com/www/delivery/ck.php?ct=1&oaparams=2__bannerid=245026__zoneid=0__cb=e3fe5b0722__oadest=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-insurance-and-mortgage-banks">家居保第三者責任</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/home-insurance">家居保火險</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/fire-insurance">家居保停電</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-water-leakage-claim">家居保爆水喉</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/what-is-fire-insurance">火險vs家居保</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-coverage">家居保手機</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/%E5%AE%B6%E5%B1%85%E4%BF%9D%E9%9A%AA%E7%81%AB%E9%9A%AA-%E5%B8%B8%E8%A6%8B%E5%95%8F%E9%A1%8C">家居保租客</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-decoration-insurance">打風家居保</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/landlord-home-insurance">家居保打風</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-typhoons-coverage">漏水家居保</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/what-is-home-insurance">家居保險</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-vs-fire-insurance">保誠家居保</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-for-renting-house">家居保险</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-buyers-tips/home-ownership-scheme-estate-2023">家居保險包什麼</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/comprehensive-comparison-of-landlord-and-tenant-home-insurance-coverage">家居保險比較</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/home-insurance/home-insurance-cover-your-appliances">家居保險邊間好</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/blog/fire-insurance/fire-village-house-and-insurance">家居保險漏水</a> <a href="https://library.wur.nl/WebQuery/rduser/ezproxy?url=https://www.onedegree.hk/zh-hk/faq/article/my-property-is-more-than-40-years-old.-is-it-eligible-for-coverage">家居保險火險</a> 值得留意的是，所謂第三者責任，其實亦可細分為身為業主於公眾地方的責任、旗下單位租客的責任，與及全球個人責任等。 就上述火災事件而言，涉及的保障就是首項，只要保單包含這個項目，一旦意外發生便可獲保障。