住宅財產保險
ACV 與 RCV 的比較
Policies pay different amounts to fix or replace property (your home and personal items). Usually, you have to pay part of the cost yourself. That amount is called the deductible. After that, how much money you get from the insurance company depends on if the coverages you purchased pay “replacement cost value” (RCV) or “actual cash value” (ACV).
Actual Cash Value (ACV)
ACV is the amount to replace or fix your home and personal items, minus depreciation. Depreciation is a decrease in value based on things like age, or wear and tear.
Replacement Cost Value (RCV)
RCV is the amount to replace or fix your home and personal items.
Even if you purchased coverages that pay RCV, some types of property may only be paid at ACV. These may include:
- Roofs
- Other building property – appliances, wood fences, structures that are not buildings, awnings, carpeting, outdoor antennas and equipment; and
- Personal property – antiques, collectibles, memorabilia, items that cannot be replaced, and obsolete property that is stored or not being used.
*️⃣ Most companies pay you only part of the RCV first. You will have to prove that you repaired your home, or replaced or fixed personal items before you get the rest of the money.
必知術語
理賠——向保險公司提出的要求，以索取因損害或傷害所產生的賠償。
承保範圍——保險公司根據保單同意賠償的損害或傷害。
自付額——若您提出理賠申請，理賠款項將扣除自付額。此金額可於您的保單「保單條款頁」中查閱。
第一方理賠——您針對自身保險單提出的理賠申請。
保單——您與保險公司之間簽訂的合約。保單會說明承保範圍，以及保險公司必須支付的理賠金額。
保單期間 – 您的保單提供保障的期間。
第三方理賠——您針對他人保險單提出的理賠，或他人針對您的保險單提出的理賠。