来源：险联社 近期，香港宏福苑五级火灾将家庭财产安全推到公众眼前，这让不少人开始关注"家财险"这个守护家园 的"安全网"。 作为1981年就已在国内开办的"老险种"，家财险从最初的单一保障，发展到如今覆盖生活全场景的综合 防护，走过了四十年的进化之路。 它如今的发展状况如何，又该如何真正走进更多普通家庭？ 家财险的四十年进化史 家财险的发展轨迹，始终跟着咱们的生活水平同步升级。 1981年国内第一款家财险刚推出时，能保的范围特别简单，就只针对房子被大火烧毁、被雷电击坏这类 极端情况。那时候大家家里值钱的物件不多，一年保费也就几块钱，大多是单位统一给员工办理，几乎 没人会主动花钱购买。 改革开放后，日子越过越红火，电视、冰箱、洗衣机这些家电陆续走进寻常百姓家，家财险也跟着升级 换代——盗窃、爆炸造成的财产损失被纳入保障范围，保费却依旧维持在百元以内，普通家庭都能轻松 承受。 2008年汶川地震后，部分保险公司开始将地震保障设为可选项目；2010年以后，水管爆裂泡坏墙面、下 雨天房屋漏水这些居家高频问题，也慢慢被纳入基础保障，实用性大大提升。 最近几年来，普惠型家财险的横空出世，成为家财险发展的重要里程碑。202 ...

香港一场突如其来的大火，吞噬了生命与家园，也考验着保险行业的责任与担当。目前，相关保险理赔 正在有序进行中，中国太平保险（香港）有限公司（以下简称"太平香港"）已完成大埔宏福苑火灾首批 9宗家居保险赔付，共支付赔款537.2万港元。 实际上，香港大埔住宅楼大火不仅引起市民对于城市住宅安全的关注，也引发社会对于家庭抵抗风险能 力的重新审视。此前一度被市场忽视的家财险，再次被推到聚光灯下。 不过，与香港成熟的家居保险保障体系形成鲜明对比的是，内地的家财险市场相对冷清。一直以来，家 财险普及率不高，个人主动投保比例更低，大量家庭仍处于保障"裸奔"状态。为何家财险一直不温不 火，从冷门到热门，家财险究竟还需要跨越多少障碍？ 火灾倒逼风险意识觉醒 "买的什么，家财险吗？""家居保险我家一直有买，一年2000多买个安心。"12月3日，北京商报记者注 意到，在保险秘闻视频号发布太平香港完成大埔宏福苑火灾首批保险理赔相关报道后，评论区讨论家财 险的相关评论在持续增加。 可以说，一次牵动人心的火灾，正悄然撬动消费者的保障意识。腾讯微保相关人士透露，该平台11月25 日后家财险产品页面访问量翻倍。某互联网保险平台内部人士告诉北京 ...

Core Insights - The recent fire incident in Hong Kong has raised public awareness regarding residential safety and the importance of household insurance, particularly home property insurance, which has been largely overlooked by the market [2][3] Group 1: Market Overview - Household property insurance currently holds a market share of approximately 1% in the insurance sector, indicating a relatively small overall size [2] - Despite the increasing risks from extreme weather, aging infrastructure, and high-density living, the coverage for household property losses remains inadequate, exposing significant protection gaps [2] Group 2: Policy and Product Development - A multi-tiered household property insurance system is being established in China, with initiatives such as the promotion of household property insurance for new citizens and the development of inclusive insurance products [3][4] - Recent products like "Rongjiabao" in Sichuan and "Hujia Bao" in Shanghai have been launched to provide comprehensive coverage for household property, personal liability, and accidental injuries [3][4] Group 3: Coverage and Claims Data - The "Shenzhen Huijia Bao" offers coverage for housing and interior property with limits of 1.5 million, 50,000, and 50,000 respectively, and has processed 280 claims with a total payout of 377,300 yuan as of October [4][5] - The household property insurance premium scale reached 16.524 billion yuan in the first half of the year, with a year-on-year growth of 11.46%, while total claims decreased by 6.23% [5] Group 4: Market Penetration and Challenges - The coverage rate for inclusive household property insurance remains low, with only 6.4% of eligible households in Shanghai covered by "Hujia Bao" and 6,000 households in Shenzhen covered by "Shenzhen Huijia Bao" [5] - The insurance penetration rate for household property insurance in China has remained below 10% for over a decade, indicating a lack of awareness and understanding among the general public [5][6] Group 5: Future Outlook - The household property insurance market in China is expected to grow rapidly, with suggestions for innovation in risk pricing models and the establishment of a more resilient insurance system supported by national policies [6][7] - Comparatively, the U.S. household property insurance market accounts for 15% of total property insurance premiums, highlighting a significant growth opportunity for China's market [6]

Core Insights - Continuous heavy rainfall in Shenzhen has boosted the household property insurance market, with the "Shenzhen Huijia Bao" insurance product generating over 2 million yuan in premiums within just half a month and attracting over 30,000 households [2][3] - The product, launched on July 28, 2023, is a government-guided, inclusive household property insurance designed specifically for Shenzhen, following the earlier "Shenzhen Huimin Bao" initiative [2][4] - The basic premium for "Shenzhen Huijia Bao" is set at 58 yuan, providing coverage up to 1.8 million yuan for various risks including fire, natural disasters, and third-party liabilities [2][3] Product Features - "Shenzhen Huijia Bao" covers 13 types of natural disasters and accidental damages, including property loss from typhoons, floods, and falling objects, as well as third-party injuries caused by household accidents [3][4] - The insurance product includes coverage for the main structure of the house (1.5 million yuan), interior decoration (50,000 yuan), personal property (50,000 yuan), and third-party liabilities (100,000 yuan each for fire and falling objects) [2][3] Market Context - The push for inclusive household property insurance aligns with national policies aimed at enhancing financial services for new citizens and improving their ability to withstand property loss risks [3][4] - Shenzhen is not the first city to introduce such insurance; the first inclusive household property insurance, "Rongjiabao," was launched in Chengdu in July 2022 [3][4] - The insurance market in Shenzhen is significant, with total assets reaching 7.3 trillion yuan and a claims payout of 68.5 billion yuan in the previous year, reflecting a growth trend in the non-auto insurance sector [5][6] Industry Trends - The non-auto insurance sector, including household property insurance, is seen as a new growth area for insurers facing intense competition and shrinking profit margins in traditional auto insurance [5] - The market for household property insurance in China is projected to exceed 200 billion yuan by 2030, indicating substantial growth potential [5]

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]

Group 1 - The article highlights the rapid response of "Beijing Inclusive Home Insurance" to extreme rainfall in Beijing, which resulted in damage to 24,000 homes. The company established a special claims team to expedite the claims process and deliver compensation to policyholders quickly [1] - The article discusses the launch of various inclusive home insurance products in multiple cities, such as "Quancheng Huijia Bao" in Jinan and "Guijia Bao" in Guilin, which are designed to provide affordable home protection to more families under a government-guided co-insurance model [1] - The article emphasizes the importance of home insurance in enhancing the risk management framework for families, especially in the context of increasing urbanization and frequent extreme weather events [2] Group 2 - The article outlines the coverage of inclusive home insurance, which includes protection for both homeowners and renters against common household risks such as fire, water damage, theft, and liability for third-party injuries or damages [2] - Additional services offered by inclusive home insurance products, such as home inspections and maintenance services, are highlighted, which aim to help residents proactively identify and mitigate risks [3] - The article advises consumers to carefully read insurance terms and conditions, focusing on compensation ratios, limits, and exclusions, to ensure they understand their coverage and claims process [3]