Home Insurance includes coverage for building and home contents.

在一般樓上漏水個案,要求樓上單位索賠是否一定要立刻做?

一般人住的到是高樓大廈,家居保險的賠償會較少考慮房屋重置價的因素對保險賠償的影響。但是,對於獨立或半獨立屋來說,房屋的建造價,包括保險合同內所定義屬於房屋建築部分的裝修或電氣用品,基於房屋的豪華程度差異很大,其重置價值相差可以很遠。

新界村屋建築標準建成的三層獨立屋,每層建築面積約為850平方尺,其建築成本是多少?它怎麼影響了保險賠償?

Application of concept of "Buildings" or "Contents" can be significantly important particularly when the unit owners buy only "Building" or "Contents", but not both.  Therefore, it is particularly important to distinguish the concept clearly.