有關火險的問題

1. 火險對你的單位是有需要的，因為如果你的單位有燒燬，火險係會保障單位後重建的成本。你的單位約值120-150萬，其實，一般買一半已足夠，因為，保險公司會陪償重置你的單位既價值的數額給你，所以買得大保額，不代表陪得大，如果你去估價公司估你的單位的 『重置價』，估價公司就會估計『重置單位既價值』比你，當然，層層樓不同，但你因估價要收錢，相信你約買 50-70 投保額就可以了。
其實，點解發覺火險似乎多是仍在按揭中的樓宇才會買的呢？因為銀行會對佢地借緊錢抵押既單位買火險 (佢地幫你買，保險費係你比架)，因為佢借左錢比你，銀行對的押品緊係要有保障啦，而且，係佢度買保險，銀行有收益嘛，一舉兩得！
2. 要買火險，再保障d，就買埋第三者責任保。間間保司都唔同，唔同既樓六有d唔同，你自己打去問下啦，另外要留意條款同收費喎

其實火險對已供滿的物業是否有需要............是
No matter how, once your are the landload, buying insurance is to protect your property, no matter is necessary or not. But one thing is if your mortgage has been fully paid, then you can buy less, because your tenant should already bought insurance themselves, and what you need to buy is only a small amount, such as 第三者保險 is already enough.
Mostly you can stick with around HKD 500,000 for 賠償 is already enough.