深圳惠家保上线，基础保障年保费58元，台风暴雨等纳入保障

Core Viewpoint - The newly launched "Shenzhen Huijia Bao" is a government-guided, inclusive family property insurance product aimed at enhancing the safety of household assets for residents in Shenzhen, with a low annual premium starting at 58 yuan [1][2][11]. Group 1: Product Features - The basic coverage premium is as low as 58 yuan per year, and it is available for all residents aged 18 and above with a fixed residence in Shenzhen, regardless of whether they own or rent their homes [1][3]. - The insurance covers common household risks such as fire, explosion, typhoon, heavy rain, and falling objects, with additional personalized coverage options available for policyholders [1][2][7]. - The basic coverage includes protection for the main structure of the house (coverage of 1.5 million yuan), interior decoration (coverage of 50,000 yuan), and personal property (coverage of 50,000 yuan), along with third-party liability for fire and explosion (coverage of 100,000 yuan each) [3][4]. Group 2: Additional Coverage Options - Policyholders can purchase additional coverage for specific risks, such as "pipe burst protection" for 30 yuan per year, which offers an 80% compensation ratio for damages caused by water leaks [5]. - Another optional coverage is "family member accident protection," which covers accidents occurring to family members within a specified area, with a maximum coverage of 100,000 yuan for an annual premium of 20 yuan [5]. Group 3: Government and Community Support - The launch of "Shenzhen Huijia Bao" is a result of over 100 representatives from the Shenzhen Municipal People's Congress advocating for a family property insurance scheme to enhance residents' ability to mitigate financial losses from disasters [11][12]. - The product's design and implementation involved collaboration between government departments, insurance companies, and community representatives to ensure its reliability and effectiveness in addressing urban risks [12][13].