In fact, some private companies already offer comprehensive home insurance which covers all forms of natural disasters. For example, Zurich Insurance (Taiwan) will offer a plan to holders of the American Express card which indemnifies real estate and personal property for everything from burglary to explosions, fires, earthquakes, and typhoons. Premiums are about NT $ 7000 for cardholders, though more than triple that amount for others.
目前市面上已經有保險公司推出包含所有天災的居家綜合險，例如蘇黎世產物保險即針對美國運通卡會員規劃一張小自遭竊，大至發生爆炸、火災、地震、颱風等，會造成居家動產和不動產損失的保障計畫，年保費約七千多元，但非會員的保費將是三倍多。