There are four main types of earthquake insurance. Basic earthquake insurance is policy-based insurance and is compulsorily added to residential fire insurance. Excess earthquake insurance and expanded earthquake insurance require the purchase of basic earthquake insurance first. Minor damage earthquake insurance is mostly included in "home comprehensive insurance".
Residential fire insurance is an insurance product designed to provide homeowners protection against damage caused by fire. It is related to the restoration of the house, so the insurance amount is not based on the house price, but is calculated based on the reconstruction cost of the building, covering the cost of the main body of the building and the cost of interior decoration.
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