Fire insurance rates - Fire insurance rates

...Insurance that covers buildings and movable property contained within, paying claims for damages caused by accidents such as fire, lightning, explosions, and wind damage, as well as various expenses associated with accidents such as temporary expenses. Originally, the purpose of insurance was to pay claims for damages caused only by fire, but today basic fire insurance has changed in this way, and products are becoming more diverse, including comprehensive insurance and various special clauses that also cover theft and flood damage. Note that insurance does not pay claims for damages caused by earthquakes (fire, collapse, etc.) (there is an exemption). ...

*Some explanations of terms that refer to "fire insurance premium rates" are listed below.

Source | Heibonsha World Encyclopedia 2nd Edition | Information

…建物やその収容動産等を対象に，火災のほか落雷・爆発・風災等の事故による損害，さらに臨時費用等事故に伴う各種の費用についても保険金を支払う保険。元来は，火災のみによる損害に対して保険金を支払うことを目的とした保険であったが，現在は基本的な火災保険自体がこのように変貌するとともに，盗難・水害等も担保する総合保険や各種特約など商品多様化が進んでいる。なお，地震による(火災･倒壊等の）損害には保険金が支払われない（免責である）。…

※「火災保険料率」について言及している用語解説の一部を掲載しています。

出典｜株式会社平凡社世界大百科事典 第２版について | 情報