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由于物权保险的标的是房地产产权 ,所以在大多数情况下 ,都可以把物权保险理解成房屋产权契约保险。美国物权保险的构成要素有 :物权保险的保险人、被保险人、保险责任、除外责任。其特殊性表现在承保、保费构成、保险性质、理赔等方面。结合我国实际 ,宜按照传统保证保险业务模式运作物权保险业务 ,主要基于以下考虑 ,美国物权保险运作模式的特殊成因 ,我国具体的国情、法律制度、市场环境、登记制 ,可以更好地利用自身的经验和优势
As the subject of real estate insurance is the real estate property, so in most cases, the property insurance can be understood as housing property contract insurance. The constitutional elements of the real property insurance in the United States are: the insurer of the real right insurance, the insured, the insurance liability, except the responsibility. Its particularity is reflected in underwriting, premium composition, nature of insurance, claims settlement and so on. According to the actual situation of our country, it is better to operate the real right insurance business according to the traditional guaranteed insurance business mode. Based on the following considerations, the specific causes of the operation mode of real property insurance in the United States, the specific national conditions, legal system, market environment and registration system in China can be better Use your own experience and advantages