Part I Property Loss Insurance Article 4 Insurance Liability (1) During the insurance period, if direct losses are caused to the insured property listed in this insurance due to the following reasons, the insurer shall be responsible for compensation according to this clause: 1, fire and explosion; 2. Storm, rainstorm, typhoon, flood, lightning strike, debris flow, snowstorm, hail, freezing, tornado, cliff collapse, sudden landslide and sudden ground collapse; 3. Falling objects in the air and the collapse of foreign buildings and other fixtures not owned or used by the insured. (2) In the event of an insured accident, the insurer shall also be responsible for compensation for the loss of the insured property caused by taking reasonable and necessary measures to rescue the subject matter insured or prevent the spread of disasters. (3) In the event of an insured accident, the insurer shall bear the reasonable and necessary rescue expenses paid by the insured to prevent or reduce the loss of the insured property. This fee is limited to the insured amount of the corresponding insured property. Part II Loan Repayment Guarantee Insurance Article 8 Insurance Liability If the insured dies or is disabled due to accidental injury during the insurance period, or is declared dead by the people's court after the insured is missing, and loses all or part of the ability to repay the loan, resulting in the failure to fulfill or not fully fulfill the loan repayment responsibility agreed in the Individual Housing Mortgage Loan Contract for three consecutive months, the insurer shall bear all or part of the loan repayment responsibility when the insured has an accident with loan repayment guarantee insurance according to the repayment ratio specified in Item (2) of Article 11 of this article. "Accidental injury" refers to the physical injury caused by the insured due to external, obvious, unpredictable and sudden accidents. The term "disability" as mentioned in this insurance refers to the degree of disability above Grade 7 (inclusive) as assessed by the disability appraisal department recognized by the insurer in accordance with the Appraisal Standard for Disability Degree of Workers at Work Injury and Occupational Diseases (GB/T16180-1996).