If it is a loan to buy a house, you can insure urban residents' loan insurance. The insurance liability of this type of insurance is the damage to the insured house caused by fire, explosion, storm, rainstorm, flood, tornado and falling objects in the air. The guarantee period is from 0: 00 the next day to the date when the loan is paid off. According to the premium rate and the insured amount, the annual premium rate is 1‰. The insurance amount is determined according to the actual value of the house purchase contract. In addition, the housing insurance currently provided by insurance companies also includes housing mortgage guarantee insurance and house purchase loan term life insurance. Because the housing insurance has not been established for a long time, mortgage guarantee insurance is still in the stage of suspension in some cities, but as an applicant, you can also choose other loan housing insurance.

2. If you have already bought a house, you can choose to insure urban residents' family property insurance. This type of insurance lists the house and interior decoration property as special underwriting property, which can cover ordinary insurance and long-term insurance. You can also choose urban housing quota insurance. The insurance responsibilities of this type of insurance are: first, fire and explosion; Second, the collapse of insurance houses caused by storms, rainstorms, thunder and lightning, floods, tsunamis and tornadoes, and cracks inside and outside the same wall;

3. Material losses caused by necessary measures taken to prevent the spread of disasters and reduce the loss of insurance property. The insurance period is chosen by the insured. The general insurance period is one year and the long-term insurance period is five years. After the maturity, all savings will be returned. This type of insurance is 20,000 yuan each, which can be combined with multiple purchases to calculate the insured amount. When signing the insurance policy, the name of the insured and the address of the insured property must be clearly written. If the number of insured property increases or decreases, the address changes or the insured changes, the insurance company shall be notified in time to handle the correction procedures. In the event of a disaster, you should try your best to rescue and protect the scene and notify the insurance company within 24 hours. When applying for compensation, the insurance policy, loss list and relevant certificates shall be provided.