普惠加量！新增电诈、农房保障，2026年北京普惠家财保开放投保

Core Viewpoint - The upgraded Beijing Puhui Home Insurance product for 2026 has been officially launched, maintaining a premium threshold of 128 yuan while enhancing coverage, insurance limits, and introducing new features to address public concerns, thereby creating a comprehensive protection system for urban and suburban households [1][4]. Group 1: Product Features - The 2026 Beijing Puhui Home Insurance maintains a basic premium of 128 yuan with a minimum coverage of 3.65 million yuan, offering a combination of basic and optional coverage for various risks including fire, floods, and gas leaks [3]. - The upgraded product expands its coverage to include multiple properties under a household, increases the coverage limit for high-frequency claims like pipeline leaks by 60%, and adds high-value services such as pipeline cleaning and appliance maintenance [4]. - New optional coverages include protection against telecom fraud losses, addressing current social safety issues, and enhancing the product's relevance to consumer needs [6]. Group 2: New Product Variants - The product matrix has been expanded to include two new specialized products: the "Cycling Version" and the "Farmhouse Version," catering to specific consumer segments [5]. - The "Cycling Version" offers customized plans ranging from 59 to 299 yuan for electric bicycles, including a helmet service package to comply with local regulations [5]. - The "Farmhouse Version" is priced at 100 yuan, covering the main structure and associated facilities of rural homes, allowing for the purchase of up to two policies per household, with a maximum coverage of 480,000 yuan [5]. Group 3: Market Context and Trends - The Beijing Puhui Home Insurance has served over 300,000 households, providing risk coverage exceeding 1 trillion yuan, indicating strong market demand for affordable home insurance [4]. - Similar affordable home insurance products have been launched in other regions, such as Sichuan and Shanghai, reflecting a growing trend towards low premium, high coverage insurance solutions [7][8]. - Policy encouragement from regulatory bodies has been a significant factor in promoting these products, aiming to enhance the financial resilience of new urban residents [9].