1, the subject matter of insurance is different. Family property insurance covers family property, as well as houses, decoration and so on. The object of enterprise property insurance is the property of the enterprise, and the property of the enterprise varies according to its nature. For example, the subject matter that production enterprises need to insure is factory buildings, decoration, equipment, raw materials, semi-finished products and finished products, while the catering industry needs to insure houses, decoration, catering equipment and office supplies;
2. Different compensation methods. Enterprise property insurance requires full insurance. For example, if the property value of your enterprise is 6,543,800+million, you should tell the truth when you apply for insurance and pay the premium according to 6,543,800+million. If you only pay the premium according to the property of 5 million yuan, the insurance company will pay in proportion. As long as the loss of family property insurance is within the insured amount, the insurance company will compensate the loss in full, not in proportion.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.