住宅火險
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Q1 有銀行貸款，因地址整編需要變更標的物地址，要如何辦理? | How do I change the insured property address due to address reorganization for a mortgaged property?
請先連結本公司服務網址，參考應備文件一覽表；如需辦理變更作業，可逕行下載批改申請書並檢附應備文件後，至本公司各服務據點辦理或洽原服務人員辦理。
Please visit our service website for required documents list. Download the amendment application form and submit required documents at our service locations or through your service representative.
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Q2 收到續保通知書，要保書要需要簽名嗎?怎麼提供給保險公司? | Do I need to sign the renewal notice? How do I submit it to the insurance company?
一、無須於續保通知書上簽名，待營業人員提供續保年度要保書後，於要保人簽章處簽名。
二、可郵寄或至各分公司臨櫃辦理。
1. No signature needed on the renewal notice. Sign the renewal application form when provided by the sales representative.
2. Submit by mail or at branch offices. -
Q3 住宅火險及地震基本保險的承保類別有哪些? | What are the coverage categories for residential fire and basic earthquake insurance?
一、住宅火災承保類別：
1.住宅火災保險。
2.住宅第三人責任基本保險。
3.住宅玻璃保險。
4.住宅颱風及洪水災害補償保險。
5.住宅地震基本保險。
二、地震基本保險承保範圍：
1.地震震動。
2.地震引起之火災、爆炸。
3.地震引起之山崩、地層下陷、滑動、開裂、決口。
4.地震引起之海嘯、海潮高漲、洪水。
I. Residential Fire Insurance Categories:
1. Residential Fire Insurance
2. Basic Third-Party Liability Insurance
3. Residential Glass Insurance
4. Typhoon and Flood Damage Compensation Insurance
5. Basic Earthquake Insurance
II. Basic Earthquake Insurance Coverage:
1. Earthquake tremors
2. Fire and explosion caused by earthquake
3. Landslides, subsidence, sliding, cracking, and breaching caused by earthquake
4. Tsunami, tidal surge, and floods caused by earthquake -
Q4 住宅第三人責任基本保險承保範圍? | What is the coverage scope of residential third-party liability basic insurance?
所承保之保險標的物因火災、閃電雷擊、爆炸或意外事故所致之煙燻，致第三人遭受體傷、死亡或財產損害時，責任在於被保險人則可請求負賠償責任。
Covers liability for third-party bodily injury, death, or property damage caused by fire, lightning strike, explosion, or smoke damage from accidental incidents involving the insured property, when the insured is legally liable.
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Q5 住宅玻璃保險承保範圍? | What is the coverage scope of residential glass insurance?
對於承保之住宅建築物因突發意外事故導致固定裝置於四周外牆之玻璃窗戶、玻璃帷幕或專有部分或約定專用部分對外出入之玻璃門破裂之損失，負賠償責任。因前項損失所須拆除、重新裝置或為減輕損失所需合理之費用，亦負賠償責任。
Covers damage to fixed glass windows, curtain walls, or glass doors in common or designated areas of the insured residential building due to sudden accidents. Also covers reasonable costs for removal, reinstallation, or loss mitigation related to covered damages.
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Q6 住宅火險及地震基本保險可以分開投保嗎? | Can residential fire insurance and basic earthquake insurance be purchased separately?
1.依照相關規定住宅火災保險若承保標的為建築物，則必須與地震基本保險一併投保，無法排除地震基本保險。
2.若仍有生效中長期住宅火險保單，則可另外單獨承保「明台產物住宅地震基本保險」。
1. According to regulations, if the insured object is a building, residential fire insurance must be purchased together with basic earthquake insurance; earthquake coverage cannot be excluded.
2. If there is an existing long-term residential fire insurance policy, the "Mingtai Property Basic Residential Earthquake Insurance" can be purchased separately. -
Q7 有銀行貸款，今年要自行保險，要怎麼辦理? | How do I arrange self-insurance this year for a mortgaged property?
可先通知貸款銀行並請於保單到期前完成投保，並將續保年度保單正本及收據副本寄至貸款銀行。
Notify the lending bank and complete insurance coverage before policy expiration. Send the original renewal policy and receipt copy to the lending bank.
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Q8 銀行貸款已清償，辦理退費須檢附哪些資料?退費時間從什麼時候開始計算? | For loan repayment, what documents are needed for premium refund? When does the refund period start?
一、辦理火險退保： 請先連結本公司服務網址，參考應備文件一覽表；如需辦理變更作業，可逕行下載批改申請書並檢附應備文件後，至本公司各服務據點辦理或洽原服務人員辦理。
二、要保人終止契約者，自申請文件書面送達本公司當日午夜十二時起本保險契約效力終止。
1. For fire insurance cancellation：Please visit our service website for required documents list. Download the amendment application form and submit required documents at our service locations or through your service representative.
2. Policy termination takes effect at midnight on the date when written application is received by the company.
