1、明確保險責任
保險單是契約，有法律約束力。保險單背面一般都清楚地印著(zhù)哪些災害、事故屬于保險責任，哪些事故屬于北京家政公司責任,不屬于保險責任。如果保戶(hù)入保后，保險財產(chǎn)遭受災害、事故的損失屬于保險責任，可以向保險公司索賠，不屬于保險責任的則不能賠償。
Insurance policies are contracts, legally binding. Insurance policies are generally clearly printed on the back of what disasters, accidents belong to the insurance liability, which belongs to Beijing domestic accident corporate responsibility, does not belong to the insurance liability. If the insurance policyholders, insurance and property disasters, accidents belong loss insurance, can claim to the insurance company, does not belong to the insurance liability can not be compensated.

2、識清保險品種
現在，保險險種較多，像機動(dòng)車(chē)輛保險、家庭財產(chǎn)保險等，除了基本險種之外，還有附加險種。如機動(dòng)車(chē)輛保險除車(chē)輛損失險、第三者責任險這些基本險外，還有玻璃單獨破碎險、車(chē)上責任險、全車(chē)盜搶險、自燃損失險、無(wú)過(guò)失責任險、車(chē)載貨物掉落責任險等附加險種；而家庭財產(chǎn)保險除基本險外，附加險包括家庭管道破裂及水漬險、家用電器用電安全險、現金首飾盜搶險、計算機硬件損失險、家用燃氣器具責任險、自行車(chē)第三者責任險、家庭賠償責任險、家庭治安險，涵蓋了家庭生活的許多方面。
Now, many insurance products, like motor vehicle insurance, homeowners insurance, etc., in addition to the basic types of insurance, as well as additional insurance. Such as motor vehicle insurance in addition to loss of vehicle insurance, third party liability insurance of these basic insurance, as well as broken glass alone insurance, car liability insurance, the whole car pilfer, spontaneous loss of insurance, no-fault liability insurance, automotive goods falling responsibility additional insurance and other insurance; while household property insurance in addition to the basic insurance, additional insurance, including family pipeline rupture and WPA, household appliances, electrical safety risk, cash jewelry pilfer, computer hardware damage insurance, liability insurance of household gas appliances, bicycles Article three liability insurance, family liability insurance, home security insurance, covers many aspects of family life.

3、弄清保險知識
保險單是一種契約，擔負著(zhù)保障財產(chǎn)的責任，保戶(hù)應妥善保管保險單。作為一名入保的保戶(hù)，對于相關(guān)的保險知識應該清楚，比如保險的期限、保險財產(chǎn)的內容、保險賠償責任的范圍、保險金額與實(shí)際賠償額的關(guān)系、家財保險保險期限內如果搬家變更住址如何辦理手續、賠償后找回的保險財產(chǎn)權益屬于誰(shuí)等。
Insurance policy is a contract, charged with the responsibility to protect property insurance policyholders should be properly kept. As a guarantee of the policyholders for insurance-related knowledge should be clear, such as the relationship between the period of insurance, contents insurance property liability insurance coverage, the insured amount and the actual amount of compensation, if the move to change the family wealth insurance insurance period address how to complete the formalities, insurance, property rights belonging to recover damages after whom and so on.
　　
4、明白賠償手續
保險索賠是體現保險經(jīng)濟補償職能的最明顯特征，許多單位和個(gè)人都是看到別人出險后獲得科學(xué)、及時(shí)、合理的賠償才成為保戶(hù)的。但保險索賠要經(jīng)過(guò)必要的程序，按照有關(guān)規定履行必要的手續，還要提供必須的單證，缺一不可。像機動(dòng)車(chē)保險，發(fā)生事故后，保戶(hù)應立即向保險公司報案，如實(shí)反映事故的情況，填寫(xiě)出險報告，協(xié)助保險公司查勘事故現場(chǎng)。待公安交管部門(mén)結案后，保戶(hù)辦理索賠時(shí)還應提供保險單、事故責任認定書(shū)、事故調解書(shū)、判決書(shū)、損失清單和有關(guān)費用單據，保險公司才能按規定賠償處理。
Insurance claims for financial compensation insurance is a manifestation of the most obvious features of the functions of many units and individuals are seeing others of danger after obtaining scientific, timely and reasonable compensation became policyholders. But insurance claims to go through the necessary procedures to fulfill the necessary formalities in accordance with the relevant provisions, but also to provide the necessary documents, are indispensable. Like motor insurance, after the accident, the policyholder should immediately report to the insurance company,to reflect the true circumstances of the accident, fill dangerous condition reports to assist insurance companies survey the scene. After the public security departments closed, policyholders should also provide insurance when processing claims, Confirmation responsible for the accident, the accident mediation, judgments, loss of inventory and related expenses receipts, insurance companies, according to the provisions for compensation to deal with.