火灾不仅涉及到各种财物 ,还会涉及到人本身 ,它导致的损失既包括直接损失 ,也包括间接损失 ,火灾保险的重要性不言而喻。本文主要从火灾保险的概念、承保的保险标的、被保险人、承保风险与除外不保风险、费率和保险期间等六个方面 ,将美国 194 3年纽约标准火险保单与我国目前的企业财产保险保单进行比较 ,综合分析了二者的主要异同点 ,旨在为我国制定以火险为核心的财产保险基本条款提供借鉴 Fire not only involves a variety of property, but also involves people themselves, it leads to the loss, including both direct and indirect losses, the importance of fire insurance is self-evident. This article mainly from the fire insurance concept, underwriting the subject matter of the insured, the insured, underwriting risks and excluding risks, rates and insurance period six aspects, the United States 194 3 year New York standard fire insurance policies and our current corporate property Insurance policy comparison, a comprehensive analysis of the main similarities and differences between the two, designed to provide our country with the insurance as the core of the basic provisions of property insurance to provide reference