住宅火險
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Q1 住宅火災保險要如何續保? | How do I renew Residential Fire Insurance?
住宅火災保險續保方式：
1.可上網自行投保，點我至投保頁面。
2.聯絡前期保單服務的業務員。
3.自行到明台產險各處服務櫃檯辦理投保。
4.若為銀行貸款件，請洽本公司各處服務據點查詢服務人員協助辦理。Renewal methods:
1. Online application via our website.
2. Contact your previous agent.
3. Visit any Mingtai's service counter.
4. For bank loan cases, please contact service personnel at our company's service branch for assistance. -
Q2 住宅火災地震保險保期中斷了，該如何辦理投保? | How do I re-insure if Residential Fire and Earthquake Insurance has lapsed?
若您住宅火險地震保險保期中斷了，可至本公司各服務據點或洽原服務人員協助辦理投保。
Visit any service branch or contact your original agent to re-apply for coverage.
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Q3 住宅火災保險要如何變更抵押銀行呢? | How do I change the mortgage bank for Residential Fire Insurance?
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。
Visit our website to view the required documents. Download the amendment application form and submit it with documents to any service branch or contact your original agent.
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Q4 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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Q5 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. -
Q6 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 -
Q7 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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Q8 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.
