当被保险财产因火灾、爆炸、雷电、暴风、洪水、雹灾以及为防止灾害蔓延采取必要措施而选成保险财产的损失;或电线、设备由于外来的、有明显痕迹的盗窃损失，保险人均负赔偿责任。保险费率为5‰，保险期限为1年。
When the insured property is selected for loss due to fire, explosion, thunder and lightning, storm, flood, hail disaster and necessary measures are taken to prevent the spread of the disaster, or when the electric wire and equipment are lost due to theft of foreign or obvious traces, the insurer shall be liable for compensation. The premium rate is 5 per thousand and the insurance period is 1 years.