At Fubon, for instance, they do not accept policies from Keelung or several surrounding towns on the Keelung River, nor will they give water damage insurance for basement residences in Taipei City. They are also very strict in reviewing policy applications from Nankang, Hsichih, and Neihu, and premiums are very expensive.
以富邦產物保險公司來說，目前不接受五堵、六堵、七堵、基隆等區，以及台北市地下樓層住戶的水險；南港、汐止、內湖區的保險審核趨向嚴格，保費也貴，等於是「選擇性承保」。