{"id":3559,"date":"2022-01-09T11:08:11","date_gmt":"2022-01-09T10:08:11","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/ubezpieczenie\/ubezpieczenie-domu-warta\/"},"modified":"2026-10-26T21:22:14","modified_gmt":"2026-10-26T20:22:14","slug":"bao-hiem-nha-o-warta","status":"publish","type":"ubezpieczenie","link":"https:\/\/polisarium.pl\/vi\/tu\/warta\/nieruchomosci\/ubezpieczenie-domu-warta\/","title":{"rendered":"B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf Warta"},"content":{"rendered":"<h3 class=\"wp-block-heading\">Trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra b\u00e3o, h\u1ecfa ho\u1ea1n, l\u0169 l\u1ee5t, tr\u1ed9m c\u1eafp v\u00e0 c\u00e1c s\u1ef1 c\u1ed1 kh\u00e1c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf r\u1ea5t h\u1eefu \u00edch khi b\u1ea1n mu\u1ed1n \u0111\u1ea3m b\u1ea3o s\u1ef1 b\u1ea3o v\u1ec7 cho m\u00ecnh tr\u01b0\u1edbc nh\u1eefng \u0111i\u1ec1u ki\u1ec7n th\u1eddi ti\u1ebft kh\u00f3 l\u01b0\u1eddng, h\u1ecfa ho\u1ea1n, s\u1ed1c \u0111i\u1ec7n, s\u00e9t \u0111\u00e1nh, tr\u1ed9m c\u1eafp c\u00f3 \u0111\u1ed9t nh\u1eadp v\u00e0 c\u00e1c s\u1ef1 c\u1ed1 kh\u00e1c. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng \u0111\u1ec3 bao g\u1ed3m c\u1ea3 nh\u1eefng t\u00e0i s\u1ea3n trong khu v\u01b0\u1eddn. B\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u00e0 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng: 1 n\u0103m ho\u1eb7c 3 n\u0103m\u2026 H\u00e3y \u0111i\u1ec1u ch\u1ec9nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m sao cho ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a b\u1ea1n v\u00e0 b\u1ea3o v\u1ec7 nh\u1eefng t\u00e0i s\u1ea3n trong nh\u00e0 c\u0169ng nh\u01b0 ngo\u00e0i tr\u1eddi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m: c\u00e1c k\u1ebft c\u1ea5u (t\u01b0\u1eddng, tr\u1ea7n), c\u00e1c kh\u00f4ng gian ph\u1ee5 thu\u1ed9c thu\u1ed9c v\u1ec1 c\u0103n h\u1ed9 (t\u1ea7ng h\u1ea7m, kho ri\u00eang c\u1ee7a c\u01b0 d\u00e2n, g\u00e1c m\u00e1i) v\u00e0 c\u00e1c b\u1ed9 ph\u1eadn c\u1ed1 \u0111\u1ecbnh (nh\u1eefng th\u1ee9 n\u1eb1m b\u00ean trong v\u00e0 kh\u00f4ng th\u1ec3 th\u00e1o d\u1ee1, v\u00ed d\u1ee5 nh\u01b0 g\u1ea1ch \u1ed1p l\u00e1t, s\u00e0n nh\u00e0, thi\u1ebft b\u1ecb c\u1ed1 \u0111\u1ecbnh trong ph\u00f2ng t\u1eafm, thi\u1ebft b\u1ecb gia d\u1ee5ng \u0111\u01b0\u1ee3c l\u1eafp \u0111\u1eb7t c\u1ed1 \u0111\u1ecbnh).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m sang c\u1ea3 c\u00e1c t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh trong c\u0103n h\u1ed9 (bao g\u1ed3m \u0111\u1ed3 n\u1ed9i th\u1ea5t, th\u1ea3m, thi\u1ebft b\u1ecb \u0111i\u1ec7n t\u1eed v\u00e0 gia d\u1ee5ng, qu\u1ea7n \u00e1o, thi\u1ebft b\u1ecb ch\u1ee5p \u1ea3nh, d\u1ee5ng c\u1ee5 th\u1ec3 thao, nh\u1ea1c c\u1ee5, trang s\u1ee9c v\u00e0 c\u00e1c v\u1eadt d\u1ee5ng kh\u00e1c).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c g\u00ec?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u1ea3o hi\u1ec3m ch\u1ed1ng l\u1ea1i m\u1ecdi r\u1ee7i ro (All Risks) \u2013 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m AC kh\u00f4ng ch\u1ec9 bao g\u1ed3m c\u00e1c s\u1ef1 c\u1ed1 ti\u00eau chu\u1ea9n m\u00e0 c\u00f2n c\u1ea3 nh\u1eefng s\u1ef1 c\u1ed1 kh\u00f4ng \u0111\u01b0\u1ee3c lo\u1ea1i tr\u1eeb r\u00f5 r\u00e0ng trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU), v\u00ed d\u1ee5: b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p v\u00f4 t\u00ecnh l\u00e0m v\u1ee1 b\u1ed3n r\u1eeda m\u1eb7t b\u1eb1ng k\u00ednh, k\u00ednh l\u00f2 s\u01b0\u1edfi, t\u1ea5m pin m\u1eb7t tr\u1eddi v\u00e0 nhi\u1ec1u v\u1eadt d\u1ee5ng kh\u00e1c.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u1ea3o hi\u1ec3m cho c\u00e1c s\u1ef1 c\u1ed1 c\u01a1 b\u1ea3n \u2013 h\u1ee3p \u0111\u1ed3ng \u00e1p d\u1ee5ng cho ph\u1ea1m vi h\u1ea1n ch\u1ebf c\u00e1c s\u1ef1 c\u1ed1 c\u01a1 b\u1ea3n, v\u00ed d\u1ee5 nh\u01b0 l\u0169 l\u1ee5t, s\u1ed1c \u0111i\u1ec7n, ng\u1eadp n\u01b0\u1edbc, s\u00e9t \u0111\u00e1nh v\u00e0 nhi\u1ec1u s\u1ef1 c\u1ed1 kh\u00e1c, k\u00e8m theo t\u00f9y ch\u1ecdn m\u1edf r\u1ed9ng b\u1ea3o hi\u1ec3m cho tr\u01b0\u1eddng h\u1ee3p tr\u1ed9m c\u1eafp c\u00f3 \u0111\u1ed9t nh\u1eadp.<\/li>\n\n\n<li>H\u1ed7 tr\u1ee3 chuy\u00ean gia trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p \u2013 ch\u00fang t\u00f4i s\u1eafp x\u1ebfp v\u00e0 chi tr\u1ea3 chi ph\u00ed cho c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 th\u1ee3 \u1ed1ng n\u01b0\u1edbc khi c\u1ea7n thay \u1ed1ng n\u01b0\u1edbc b\u1ecb v\u1ee1 trong ph\u00f2ng t\u1eafm, ho\u1eb7c th\u1ee3 kh\u00f3a khi c\u1ea7n thay \u1ed5 kh\u00f3a c\u1eeda b\u1ecb h\u1ecfng.<\/li>\n\n\n<li>N\u01a1i \u1edf t\u1ea1m th\u1eddi trong th\u1eddi gian s\u1eeda ch\u1eefa \u2013 trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra thi\u1ec7t h\u1ea1i khi\u1ebfn qu\u00fd kh\u00e1ch kh\u00f4ng th\u1ec3 s\u1eed d\u1ee5ng ng\u00f4i nh\u00e0, ch\u00fang t\u00f4i s\u1ebd chi tr\u1ea3 c\u00e1c chi ph\u00ed li\u00ean quan \u0111\u1ebfn n\u01a1i \u1edf t\u1ea1m th\u1eddi.<\/li>\n\n\n<li>X\u00e1c \u0111\u1ecbnh v\u00e0 kh\u1eafc ph\u1ee5c nguy\u00ean nh\u00e2n g\u00e2y h\u01b0 h\u1ecfng \u2013 ch\u00fang t\u00f4i s\u1ebd ho\u00e0n tr\u1ea3 c\u00e1c chi ph\u00ed ph\u00e1t sinh trong qu\u00e1 tr\u00ecnh x\u00e1c \u0111\u1ecbnh v\u1ecb tr\u00ed v\u00e0 kh\u1eafc ph\u1ee5c s\u1ef1 c\u1ed1 h\u1ec7 th\u1ed1ng, kh\u00f4ng ch\u1ec9 trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 x\u1ea3y ra h\u01b0 h\u1ecfng m\u00e0 c\u00f2n khi c\u00f3 nguy c\u01a1 th\u1ef1c s\u1ef1 d\u1eabn \u0111\u1ebfn h\u01b0 h\u1ecfng.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf bao g\u1ed3m nh\u1eefng g\u00ec? V\u00ed d\u1ee5<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u1ecfa ho\u1ea1n, v\u1ee5 n\u1ed5 \u2013 khi ng\u1ecdn l\u1eeda thi\u00eau r\u1ee5i ng\u00f4i nh\u00e0 c\u1ee7a b\u1ea1n, c\u01b0\u1edbp \u0111i t\u00e0i s\u1ea3n v\u00e0 n\u01a1i \u1edf c\u1ee7a b\u1ea1n, ho\u1eb7c khi chi\u1ebfc b\u00e0n \u1ee7i hay b\u1ebfp \u0111i\u1ec7n b\u1ecb b\u1ecf qu\u00ean kh\u00f4ng gi\u00e1m s\u00e1t g\u00e2y ra h\u1ecfa ho\u1ea1n.<\/li>\n\n\n<li>S\u1ef1 t\u0103ng \u00e1p \u0111\u1ed9t ng\u1ed9t \u2013 khi s\u1ef1 t\u0103ng \u0111\u1ed9t ng\u1ed9t c\u1ee7a \u0111i\u1ec7n \u00e1p trong m\u1ea1ng \u0111i\u1ec7n g\u00e2y h\u01b0 h\u1ecfng c\u00e1c thi\u1ebft b\u1ecb \u0111i\u1ec7n t\u1eed gia d\u1ee5ng ho\u1eb7c \u0111\u1ed3 gia d\u1ee5ng.<\/li>\n\n\n<li>V\u1ee1 k\u00ednh v\u00e0 c\u00e1c b\u1ed9 ph\u1eadn b\u1eb1ng k\u00ednh \u2013 khi k\u00ednh c\u1eeda s\u1ed5 ho\u1eb7c c\u1eeda ra v\u00e0o b\u1ecb v\u1ee1, ho\u1eb7c khi m\u1eb7t k\u00ednh b\u1ebfp t\u1eeb, m\u1eb7t k\u00ednh l\u00f2 n\u01b0\u1edbng ho\u1eb7c c\u1eeda k\u00ednh bu\u1ed3ng t\u1eafm b\u1ecb v\u1ee1.<\/li>\n\n\n<li>H\u01b0 h\u1ecfng t\u01b0\u1eddng \u2013 khi \u0111i\u1ec1u ki\u1ec7n th\u1eddi ti\u1ebft b\u1ea5t th\u01b0\u1eddng g\u00e2y h\u01b0 h\u1ea1i cho ng\u00f4i nh\u00e0 c\u1ee7a b\u1ea1n, ch\u1eb3ng h\u1ea1n nh\u01b0 l\u00e0m bay m\u00e1i nh\u00e0 ho\u1eb7c c\u00e2y \u0111\u1ed5 l\u00e0m h\u01b0 h\u1ea1i c\u00e1c b\u1ed9 ph\u1eadn kh\u00e1c c\u1ee7a ng\u00f4i nh\u00e0.<\/li>\n\n\n<li>\u0110\u1ed9 \u1ea9m ho\u1eb7c ng\u1eadp n\u01b0\u1edbc \u2013 khi \u0111\u1ed9 \u1ea9m xu\u1ea5t hi\u1ec7n trong nh\u00e0 do \u0111\u01b0\u1eddng \u1ed1ng b\u1ecb v\u1ee1 ho\u1eb7c sau nh\u1eefng c\u01a1n m\u01b0a l\u1edbn, b\u1ea1n ph\u1ea3i x\u1eed l\u00fd t\u00ecnh tr\u1ea1ng t\u1ea7ng h\u1ea7m b\u1ecb ng\u1eadp n\u01b0\u1edbc.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf kh\u00f4ng bao g\u1ed3m nh\u1eefng g\u00ec? V\u00ed d\u1ee5<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S\u1ef1 c\u1ed1, hao m\u00f2n \u2013 khi c\u00e1c t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1ecb h\u01b0 h\u1ecfng ho\u1eb7c ph\u00e1 h\u1ee7y do hao m\u00f2n trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng ho\u1eb7c do s\u1ef1 c\u1ed1.<\/li>\n\n\n<li>T\u00e1c \u0111\u1ed9ng c\u1ee7a n\u1ea5m m\u1ed1c \u2013 khi c\u00e1c t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1ecb h\u01b0 h\u1ecfng do t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u1ea5m m\u1ed1c ho\u1eb7c n\u1ea5m, c\u0169ng nh\u01b0 c\u00e1c qu\u00e1 tr\u00ecnh th\u1ed1i r\u1eefa.<\/li>\n\n\n<li>H\u01b0 h\u1ecfng l\u1edbp v\u1eefa tr\u00e1t ngo\u00e0i v\u00e0 m\u1eb7t ti\u1ec1n \u2013 khi l\u1edbp v\u1eefa tr\u00e1t ngo\u00e0i ho\u1eb7c m\u1eb7t ti\u1ec1n ng\u00f4i nh\u00e0 c\u1ee7a b\u1ea1n b\u1ecb h\u01b0 h\u1ecfng do ng\u1eadp n\u01b0\u1edbc m\u01b0a ho\u1eb7c b\u1ecb n\u01b0\u1edbc hay ch\u1ea5t l\u1ecfng kh\u00e1c b\u1eafn l\u00ean t\u1eeb c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n c\u01a1 gi\u1edbi.<\/li>\n\n\n<li>C\u00e1c t\u00e0i s\u1ea3n b\u1ecf hoang \u2013 ch\u00fang t\u00f4i kh\u00f4ng b\u1ea3o hi\u1ec3m cho c\u00e1c c\u0103n h\u1ed9 v\u00e0 t\u00f2a nh\u00e0 b\u1ecb b\u1ecf hoang, kh\u00f4ng c\u00f3 ng\u01b0\u1eddi tr\u00f4ng coi v\u00e0 gi\u00e1m s\u00e1t tr\u1ef1c ti\u1ebfp, ho\u1eb7c \u0111ang \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb \u0111\u1ec3 ph\u00e1 d\u1ee1.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">So s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes tabela-tu\" style=\"font-size:0.9em\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\" scope=\"col\">\n<p>Ch\u1ecdn phi\u00ean b\u1ea3n<\/p>\n<\/th><th class=\"has-text-align-center\" data-align=\"center\" scope=\"col\">\n<p align=\"center\">Warta Dom<\/p>\n<\/th><th class=\"has-text-align-center\" data-align=\"center\" scope=\"col\">\n<p align=\"center\">Warta Dom Komfort<\/p>\n<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u cho c\u0103n h\u1ed9<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">_<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">100.000 z\u0142<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c s\u1ef1 c\u1ed1 kh\u00f4ng \u0111\u01b0\u1ee3c lo\u1ea1i tr\u1eeb trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (All Risk)<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u2013<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m cho c\u00e1c s\u1ef1 c\u1ed1 c\u01a1 b\u1ea3n do c\u00e1c nguy\u00ean nh\u00e2n nh\u01b0 h\u1ecfa ho\u1ea1n, l\u0169 l\u1ee5t, ng\u1eadp n\u01b0\u1edbc, gi\u00f3 m\u1ea1nh, s\u1ed1c \u0111i\u1ec7n, n\u1ed5, m\u01b0a \u0111\u00e1, s\u00e9t \u0111\u00e1nh, ph\u00e1 ho\u1ea1i, v.v.<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>V\u1ee1 \u2013 tr\u01b0\u1eddng h\u1ee3p th\u00f4ng th\u01b0\u1eddng, v\u00ed d\u1ee5 nh\u01b0 c\u1eeda k\u00ednh, c\u1eeda s\u1ed5, b\u1ebfp t\u1eeb<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>V\u1ee1 k\u00ednh \u2013 phi\u00ean b\u1ea3n ti\u1ec7n nghi, v\u00ed d\u1ee5 nh\u01b0 c\u00e1c t\u1ea5m pin quang \u0111i\u1ec7n, k\u00ednh l\u00f2 s\u01b0\u1edfi, k\u00ednh l\u00f2 n\u01b0\u1edbng \u00e2m t\u01b0\u1eddng.<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u0111\u1ed9t nh\u1eadp v\u00e0 tr\u1ed9m c\u1eafp t\u00e0i s\u1ea3n \u0111\u1ed9ng s\u1ea3n ho\u1eb7c h\u01b0 h\u1ecfng c\u0103n h\u1ed9<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>T\u00ecm ki\u1ebfm v\u00e0 kh\u1eafc ph\u1ee5c nguy\u00ean nh\u00e2n g\u00e2y h\u01b0 h\u1ecfng<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">t\u1ed1i \u0111a 10.000 z\u0142<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">t\u1ed1i \u0111a 40.000 z\u0142<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m cho c\u00e1c v\u1eadt d\u1ee5ng m\u01b0\u1ee3n, v\u00ed d\u1ee5 nh\u01b0 d\u1ee5ng c\u1ee5 th\u1ec3 thao hay nh\u1ea1c c\u1ee5 \u2013 trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n di \u0111\u1ed9ng v\u00e0 t\u00e0i s\u1ea3n gia \u0111\u00ecnh<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m cho c\u00e1c v\u1eadt d\u1ee5ng c\u00f4ng vi\u1ec7c, v\u00ed d\u1ee5 nh\u01b0 \u0111i\u1ec7n tho\u1ea1i, m\u00e1y t\u00ednh x\u00e1ch tay do ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u1ea5p \u2013 trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n \u0111\u1ed9ng s\u1ea3n v\u00e0 t\u00e0i s\u1ea3n gia \u0111\u00ecnh<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m trang s\u1ee9c, \u0111\u1ed3ng h\u1ed3 \u2013 trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n \u0111\u1ed9ng s\u1ea3n v\u00e0 gia \u0111\u00ecnh<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u0111\u1ebfn gi\u1edbi h\u1ea1n 30%<br>\n\t\t\tt\u1ed1i \u0111a 6.000 z\u0142<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u0111\u1ebfn gi\u1edbi h\u1ea1n 30%<br>\n\t\t\tt\u1ed1i \u0111a 10.000 z\u0142<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o v\u1ec7 ti\u1ec1n m\u1eb7t<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u0111\u1ebfn gi\u1edbi h\u1ea1n 30%<br>\n\t\t\tt\u1ed1i \u0111a 6.000 z\u0142<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u0111\u1ebfn gi\u1edbi h\u1ea1n 30%<br>\n\t\t\tt\u1ed1i \u0111a 10.000 z\u0142<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>L\u1eeba \u0111\u1ea3o chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n m\u1eb7t \u2013 chi\u00eau l\u1eeba \u201cch\u00e1u n\u1ed9i\u201d, \u201cc\u1ea3nh s\u00e1t\u201d<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">10%<br>\n\t\t\tkh\u00f4ng qu\u00e1 10.000<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">20%<br>\n\t\t\tkh\u00f4ng qu\u00e1 50.000 z\u0142<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m cho c\u00e1c t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u00e1 nh\u00e2n, ngo\u1ea1i tr\u1eeb thi\u1ebft b\u1ecb v\u0103n ph\u00f2ng, v\u00ed d\u1ee5 nh\u01b0 thi\u1ebft b\u1ecb tr\u1eafc \u0111\u1ecba chuy\u00ean d\u1ee5ng \u2013 trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n \u0111\u1ed9ng s\u1ea3n v\u00e0 gia \u0111\u00ecnh<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u2013<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">t\u1ed1i \u0111a 10.000 z\u0142<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m cho c\u00e1c t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c c\u1ea5t gi\u1eef tr\u00ean ban c\u00f4ng, l\u00f4-gia ho\u1eb7c s\u00e2n th\u01b0\u1ee3ng c\u00f3 m\u00e1i che \u2013 trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n \u0111\u1ed9ng s\u1ea3n v\u00e0 gia \u0111\u00ecnh<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">t\u1ed1i \u0111a 2.000 z\u0142<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">t\u1ed1i \u0111a 5.000 z\u0142<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o v\u1ec7 c\u00e1c v\u1eadt d\u1ee5ng c\u00e1 nh\u00e2n b\u00ean ngo\u00e0i n\u01a1i c\u01b0 tr\u00fa (v\u00ed d\u1ee5: \u0111i\u1ec7n tho\u1ea1i, t\u00fai x\u00e1ch, \u0111\u1ed3ng h\u1ed3, ch\u00eca kh\u00f3a nh\u00e0) trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb c\u01b0\u1edbp \u2013 trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n \u0111\u1ed9ng s\u1ea3n v\u00e0 gia \u0111\u00ecnh<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u0111\u1ebfn gi\u1edbi h\u1ea1n 10%<br>\n\t\t\tt\u1ed1i \u0111a 2.000 z\u0142<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u0111\u1ebfn gi\u1edbi h\u1ea1n 10%<br>\n\t\t\tt\u1ed1i \u0111a 10.000 z\u0142<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o v\u1ec7 c\u00e1c v\u1eadt d\u1ee5ng \u0111\u01b0\u1ee3c c\u1ea5t gi\u1eef trong kho c\u00e1 nh\u00e2n \u2013 trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n \u0111\u1ed9ng s\u1ea3n v\u00e0 gia \u0111\u00ecnh<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u0111\u1ebfn gi\u1edbi h\u1ea1n 20%<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u0111\u1ebfn gi\u1edbi h\u1ea1n 50%<br>\n\t\t\t(b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam cho m\u1eabu 100%)<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>Ph\u01b0\u01a1ng \u00e1n ti\u00eau chu\u1ea9n, v\u00ed d\u1ee5: s\u1ef1 can thi\u1ec7p c\u1ee7a chuy\u00ean gia<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>G\u00f3i d\u1ecbch v\u1ee5 ti\u1ec7n nghi, v\u00ed d\u1ee5: s\u1eeda ch\u1eefa thi\u1ebft b\u1ecb gia d\u1ee5ng\/thi\u1ebft b\u1ecb \u0111i\u1ec7n t\u1eed\/m\u00e1y t\u00ednh, h\u1ed7 tr\u1ee3 y t\u1ebf.<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">+<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n \u2013 ph\u1ea1m vi \u00e1p d\u1ee5ng: To\u00e0n c\u1ea7u (tr\u1eeb Hoa K\u1ef3 v\u00e0 Canada)<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 cho tr\u1ebb em \u0111\u1ed1i v\u1edbi nh\u1eefng thi\u1ec7t h\u1ea1i do tr\u1ebb nh\u1ecf g\u00e2y ra<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ng\u01b0\u1eddi thu\u00ea nh\u00e0 ho\u1eb7c b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ng\u01b0\u1eddi c\u01b0 ng\u1ee5 d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi c\u00f3 li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng thu\u00ea nh\u00e0<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 tr\u00ean l\u00e3nh th\u1ed5 Hoa K\u1ef3 v\u00e0 Canada<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u2013<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m tai n\u1ea1n cho c\u00e1c th\u00e0nh vi\u00ean trong gia \u0111\u00ecnh, bao g\u1ed3m c\u1ea3 tr\u1ebb em<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>Ch\u1ea5n th\u01b0\u01a1ng do tai n\u1ea1n kh\u00f4ng r\u00f5 nguy\u00ean nh\u00e2n k\u00e8m theo nh\u1ed3i m\u00e1u c\u01a1 tim ho\u1eb7c \u0111\u1ed9t qu\u1ef5<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u2013<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o v\u1ec7 c\u00e1c khu v\u1ef1c xung quanh nh\u00e0, ch\u1eb3ng h\u1ea1n nh\u01b0 h\u00e0ng r\u00e0o, m\u00e1i che, ch\u00f2i ngh\u1ec9, \u0111\u1ed3 n\u1ed9i th\u1ea5t s\u00e2n v\u01b0\u1eddn v\u00e0 d\u1ee5ng c\u1ee5 l\u00e0m v\u01b0\u1eddn<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o v\u1ec7 c\u00e2y g\u1ed7 v\u00e0 c\u00e2y b\u1ee5i \u0111\u01b0\u1ee3c tr\u1ed3ng tr\u1ef1c ti\u1ebfp xu\u1ed1ng \u0111\u1ea5t, nh\u1eefng c\u00e2y c\u00f3 nguy c\u01a1 b\u1ecb h\u01b0 h\u1ea1i<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u2013<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o v\u1ec7 xe \u0111\u1ea1p khi \u1edf ngo\u00e0i nh\u00e0 trong tr\u01b0\u1eddng h\u1ee3p tai n\u1ea1n, tr\u1ed9m c\u1eafp ho\u1eb7c c\u00e1c s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd, k\u00e8m theo d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 (Assistance)<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o v\u1ec7 thi\u1ebft b\u1ecb (m\u00e1y t\u00ednh, m\u00e1y \u1ea3nh, thi\u1ebft b\u1ecb \u00e2m nh\u1ea1c, d\u1ee5ng c\u1ee5 th\u1ec3 thao v\u00e0 \u0111\u1ed3 d\u00f9ng c\u1eafm tr\u1ea1i) trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb c\u01b0\u1edbp khi \u1edf ngo\u00e0i nh\u00e0<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\n<p>B\u1ea3o hi\u1ec3m thi\u1ebft b\u1ecb trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra c\u00e1c s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd, tr\u1ed9m c\u1eafp c\u00f3 \u0111\u1ed9t nh\u1eadp t\u1eeb ph\u00f2ng kh\u00e1ch s\u1ea1n ho\u1eb7c c\u1ed1p xe \u00f4 t\u00f4<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">\u2013<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p align=\"center\">b\u1ea1n c\u00f3 th\u1ec3 mua 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