insurable value

简明释义

可保价值

英英释义

例句

1.An accurate assessment of the insurable value can help avoid underinsurance.

对可保险价值的准确评估可以帮助避免不足保险。

2.When purchasing insurance, it's essential to know the insurable value of your belongings.

在购买保险时，了解您财物的可保险价值是至关重要的。

3.The homeowner calculated the insurable value of their property to ensure they had adequate coverage.

房主计算了他们财产的可保险价值以确保他们有足够的保障。

4.The insurable value of the business equipment was appraised before the policy was issued.

在保单签发之前，商业设备的可保险价值被评估。

5.The insurance agent explained how to determine the insurable value of a vehicle.

保险代理解释了如何确定车辆的可保险价值。

作文

In the world of insurance, understanding the concept of insurable value is crucial for both policyholders and insurers. The term insurable value refers to the monetary worth of an asset that can be covered by an insurance policy. This value is essential in determining how much coverage a policyholder should purchase to adequately protect their assets against potential risks such as theft, fire, or natural disasters. When assessing the insurable value of a property, several factors come into play. First, the current market value of the property is considered. This includes the cost of materials, labor, and any additional expenses incurred during construction or acquisition. For example, if a homeowner has a house valued at $300,000, this amount represents the insurable value that would need to be covered in the event of a total loss.Moreover, depreciation also affects the insurable value. Over time, properties may lose value due to wear and tear or changes in the real estate market. Therefore, it is important for homeowners to regularly reassess their properties' worth to ensure they have adequate coverage. If a property’s value decreases significantly, the insurable value would also decrease, which could lead to over-insurance if the homeowner does not update their policy accordingly.Another critical aspect of insurable value is the inclusion of personal property. Homeowners often overlook the value of their belongings, such as furniture, electronics, and jewelry, when calculating their insurance needs. It is vital to create a detailed inventory of personal items and assign a value to each item to ensure that the total insurable value reflects both the property and its contents. For instance, if the personal belongings in a home are valued at $50,000, this amount should be added to the insurable value of the house itself.In commercial insurance, the insurable value takes on even greater significance. Businesses must evaluate their assets, including equipment, inventory, and real estate, to determine their total insurable value. A well-calculated insurable value ensures that a business can recover financially after a loss. For instance, if a factory suffers a fire that destroys machinery worth $200,000, having an accurate insurable value allows the business to receive sufficient compensation to replace the lost assets.Furthermore, understanding insurable value can help individuals and businesses avoid underinsurance. Underinsurance occurs when the insurable value is less than the actual value of the property or assets. In such cases, if a loss occurs, the insurance payout may not cover the full extent of the damages, leaving the policyholder at a financial disadvantage. Therefore, regular reviews of insurable value are necessary to keep insurance policies aligned with the actual worth of the insured items.In conclusion, grasping the concept of insurable value is essential for effective risk management. By understanding what constitutes insurable value, individuals and businesses can make informed decisions about their insurance coverage, ensuring they are adequately protected against unforeseen events. Regular assessments and updates to the insurable value can safeguard policyholders from financial losses and provide peace of mind in an unpredictable world.

在保险的世界中，理解“insurable value”这一概念对于投保人和保险公司来说至关重要。术语“insurable value”指的是可以由保险政策覆盖的资产的货币价值。这个价值对于确定投保人应购买多少保险以充分保护其资产免受盗窃、火灾或自然灾害等潜在风险是必不可少的。在评估一项财产的insurable value时，有几个因素需要考虑。首先，考虑到该财产的当前市场价值。这包括材料、劳动力和在建筑或收购过程中产生的任何额外费用。例如，如果一个房主的房子价值为30万美元，那么这个金额就是在完全损失的情况下需要覆盖的insurable value。此外，折旧也会影响insurable value。随着时间的推移，财产可能因磨损或房地产市场变化而贬值。因此，房主定期重新评估其财产的价值以确保他们拥有足够的保险覆盖是很重要的。如果财产的价值显著降低，那么insurable value也会降低，这可能导致过度投保，如果房主不相应地更新其保单。insurable value的另一个关键方面是个人财产的包含。房主在计算他们的保险需求时往往忽视了其物品的价值，例如家具、电子产品和珠宝。创建详细的个人物品清单并为每件物品分配价值是至关重要的，以确保总的insurable value反映了房产及其内容。例如，如果房屋内的个人物品价值为5万美元，则此金额应添加到房屋本身的insurable value中。在商业保险中，insurable value显得更加重要。企业必须评估其资产，包括设备、库存和房地产，以确定其总的insurable value。准确计算的insurable value确保企业在发生损失后能够恢复财务。例如，如果一家工厂发生火灾，摧毁了价值20万美元的机器，拥有准确的insurable value使企业能够获得足够的赔偿以更换丢失的资产。此外，理解insurable value可以帮助个人和企业避免不足保险。不足保险发生在insurable value低于财产或资产的实际价值时。在这种情况下，如果发生损失，保险赔付可能无法覆盖全部损失，导致投保人在财务上处于劣势。因此，定期审查insurable value是必要的，以保持保险政策与被保险项目的实际价值一致。总之，掌握insurable value的概念对于有效的风险管理至关重要。通过理解什么构成insurable value，个人和企业可以就其保险覆盖做出明智的决策，确保他们在面对意外事件时得到充分保护。定期评估和更新insurable value可以保护投保人免受财务损失，并在不可预测的世界中提供安心。