按保险金额与保险价值的关系划分,财产保险合同可以被分为足额保险合同、不足额保险合同和超额保险合同。根据《保险法》第四十条第二款“财产保险合同中,保险金额不得超过保险价值;超过保险价值的,超过的部分无效。”规定,可以看出,超额保险合同属于非有效合同。在不足额保险中,对于 According to the relationship between the insured amount and the insured value, the property insurance contract can be divided into full insurance contract, insufficient insurance contract and excess insurance contract. According to Paragraph 2 of Article 40 of the Insurance Law, “the amount of insurance in a property insurance contract shall not exceed the insured value; if it exceeds the insured value, the excess part is invalid.” As can be seen, the excess insurance contract is a non-effective contract. In the insurable insurance, for