![](data:image/png;base64,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在本公司已更换受损的家居物品或支付了该家居物品的全部保险金额后,本公司将按相关法
律规定获得该项受损财产的全部或部分权利。
本附加合同项下整对或整套的物品应视为单一物品,适用保险单所载本附加合同项下相应的
“每件或每套物品的赔偿限额”。如任何属于一对或一套的单个物品遭受损失或损坏,本公
司将根据此物品对整对或整套物品重要程度合理计算其所占整对或整套物品价值的比例,以
确定该物品的损失金额,但前述损失或损坏不应被视为整对或整套物品的全部损失或损坏。
若被保险人为同一家居物品自愿投保本公司承保的多种综合保险,如在不同保障产品中有
相同保险利益的,则本公司仅按其中保险金额最高者做出赔偿。
本附加合同项下每件理赔物品的免赔额以保险单上载明本附加合同项下的免赔额为准,本
公司将在扣除免赔额后承担赔偿责任。
如果被保险人的家居物品损失可以从任何第三方获得赔偿,本公司仅负责补偿剩余部分。
第四条 责任免除
主合同中所有责任免除条款(如适用)均适用于本附加合同,若主合同中责任免除条款与
本条款有相抵触之处,则应以本条款为准。
任何直接或间接由于下列情形引起的,与之有关的,或可归因于之的家居物品损失,本公
司不负任何赔偿责任:
(1)电机、电器、电气设备因使用过度、超电压、短路、断路、弧花、漏电、自身发热、
烘烤等原因造成的自身损毁。
(2)任何由于被保险人的恶意或纵容行为造成的损失或损坏。
(3)由于管理当局没收、征用、扣押、合法或非法占用全部或部分被保财产(不论是暂时
性或永久性)而引起的损失。
(4)贵重物品、电子产品。
(5)任何间接损失或损坏。
(6)图章、文件、帐册、技术资料、图表的损失或损坏。
(7)录制于磁带、记录卡、磁盘或其他类似设备上的数据的丢失。
(8)用于商业或专业活动的物品或样品。
(9)自身缺陷、保管不善导致的损失;正常磨损、折旧、虫蛀、发霉、腐烂、侵蚀、逐渐
退化、光线作用、大气状况、机械或电力故障、使用不当、手工或设计欠佳、使用有
问题物料或在加热、弄干、清洁、染色、更换或维修过程中发生刮损或出现凹痕。
(10)现金、债券、金融证券、票据、印花、息票、地契、股票、旅行证件、钞票、代币
卡(包括信用卡)、旅行支票、驾驶证、身份证、银行卡或储值卡。
(11)烟草或烟草制品、酒、动物、植物、药品或食物。
(12)汽车(及其附件)、摩托车、船舶、自行车、其它机动或非机动交通运输工具。
(13)施工致使的管道(含暖气片)破裂造成的损失。
(14)因管道(含暖气片)试水、试压致使管道破裂溢水造成的损失。