In terms of insurance rates, the CIRC has relatively clear regulations, and there is little difference among insurance companies. Take Yongan Property Insurance as an example, the 2-5 year rate is seven ten thousandths; 5.2 Within 5- 10 years; 15-4.2 per 10000 people in 20 years; More than 20 years is 3.2 per 10,000. Premium is divided into two ways: annual payment and non-annual payment. Consumers can choose more favorable ones according to their actual needs.