香港大埔住宅楼火灾，业主买了哪些保险、如何赔付

Core Insights - A significant fire occurred in Hong Kong's Tai Po district, resulting in major casualties and prompting emergency response efforts from the government and various sectors [1] - Multiple insurance companies have activated emergency claims services, including simplified claims processes and proactive outreach to affected clients, although no claims have been reported yet [1] - The insurance coverage for the affected properties includes various types of insurance, such as building and public liability insurance, with specific coverage limits outlined [2][3] Insurance Coverage Details - The building and public area property insurance has a coverage limit of HKD 2 billion, while public liability insurance covers third-party personal injury with a limit of HKD 10 million [2] - Cash insurance covers three scenarios with limits of HKD 100,000 for cash in transit and HKD 30,000 for cash stored in safes during non-office hours [2] - Collective personal accident insurance provides coverage for participants in corporate activities, with a maximum coverage of HKD 100,000 per person [2] Fire Insurance Specifics - Fire insurance, also known as building structure insurance, covers the physical structure of the building but does not cover personal property losses [3][4] - Home insurance, in contrast, protects personal belongings within the property, such as furniture and appliances, from losses due to incidents like fire [3][4] - In Hong Kong, banks typically require homeowners to purchase fire insurance as a condition for mortgage approval, although homeowners can choose their insurance provider [4]