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家财险悄然升温 多地推出普惠型产品
Xin Hua Wang·2025-08-12 05:49

Core Insights - Recent natural disasters have increased consumer interest in home property insurance, with many individuals considering purchasing policies for added peace of mind [1][2] - The market has seen the introduction of affordable, customized home property insurance products, often referred to as "惠民保," with premiums starting as low as 89 yuan and coverage reaching up to 1.2 million yuan [3][4] Demand Side - Consumers are increasingly aware of the necessity for home property insurance, as evidenced by individuals like Ms. Qian from Beijing, who expressed the importance of such coverage following recent disasters [1] - The demand for home property insurance is expected to grow as more consumers recognize the risks associated with natural disasters and property damage [4] Supply Side - Various insurance companies are offering traditional home property insurance, while new customized, affordable options are emerging in multiple cities, including Shanghai and Chengdu [3][4] - The typical coverage of home property insurance includes protection for the main structure, indoor facilities, and personal belongings, with premiums generally ranging from tens to hundreds of yuan based on coverage amounts [2] Market Growth - The home property insurance sector has experienced significant growth, with premium income reaching 164 billion yuan in 2022, marking a 67% increase year-over-year, making it the fastest-growing segment in property insurance [4] - Despite its current niche status, the market penetration of home property insurance is low, indicating substantial future growth potential as consumer awareness and demand increase [4] Policy Support - Government initiatives are promoting the adoption of home property insurance, particularly for new citizens, to enhance their ability to mitigate financial risks from property loss [5] - Ongoing efforts include improving public awareness of disaster prevention and insurance, as well as encouraging insurance companies to innovate and optimize their offerings [5]