常見問題
住宅火險
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Q9 住宅火災保險保額及地震基本保險額如何計算?一定要依照所算出來的保額投保嗎? | How are residential fire and basic earthquake insurance amounts calculated? Must we insure for the calculated amount?
1.住宅火災保險保額及地震基本保險保額依「臺灣地區住宅類建築造價參考表」計算保額，但地震基本保額保額上限為新台幣150萬。
2.住宅火災保險保額可由保戶自行決定投保金額，但仍需依「臺灣地區住宅類建築造價參考表」計算保額，不得少於新台幣10萬元；地震基本保險保額須依算出來之保額辦理投保，上限為新台幣150萬。
3.詳情內容可參考：「臺灣地區住宅建築造價參考表」
1. Both amounts are calculated using the "Taiwan Residential Building Cost Reference Table," with earthquake coverage capped at NTD 1.5 million.
2. Fire insurance amount can be decided by policyholder but must follow the reference table and cannot be less than NTD 100,000; earthquake insurance must match the calculated amount, up to NTD 1.5 million.3. For detailed information, please refer to: "Taiwan Regional Residential Construction Cost Reference Table"
