insured value

基本解釋

If the insured amount is less than the insured value, the insurer shall retain part of the rights according to the proportion between the insured amount and the insured value.
保險金額低于保險價值的，保險人按照保險金額與保險價值的比例取得受損保險標(biāo)的的部分權(quán)利。
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Chapter Four: First basic supposition of the fixed price is introduced, namely mortality rate, interest rate, failure rate, expense rate, average insured value.
第四章中，首先介紹了定價的基本假設(shè)，即死亡率、利率、失效率、費(fèi)用率、平均保額假設(shè)；
Any shipper or passenger who has voluntarily applied for insured transport of valued articles shall be entitled to an indemnity on a par with the actual loss but not exceeding the insured value.
運(yùn)人或者旅客根據(jù)自愿申請辦理保價運(yùn)輸?shù)?，按照?shí)際損失賠償，但最高不超過保價額。

In other words, lower the amount insured below the actual value of the house to prevent moral hazard.
換句話說，將房屋的保險價值低估于其實(shí)際價值,以此來防范道德風(fēng)險。
耶魯公開課 - 金融市場課程節(jié)選

Deductibles now can reach 5 percent of insured value when a hurricane hits, raising questions about whether some homeowners will be able to afford repairs.
NPR: Coastal Homeowners Stagger Under Insurance Costs
Some critics also say insurers are inflating the insured value of houses, saying they would cost more to rebuild, thus raising the total bill each year without raising rates.
NPR: Coastal Homeowners Stagger Under Insurance Costs
This means that people differ in how much they value being insured against bad outcomes, and those who value insurance the most also happen to be those who have low expected costs.
FORBES: The Economics of All-You-Can-Eat Buffets

保險價值
It means that for keeping away the same risk, the insurant had better made multiple contracts with the same insured interest and the same period, and the insurance amount in all exceeds the insured value.
筆者認(rèn)為,多數(shù)保險是指在同一個保險利益上,為了防范相同的風(fēng)險,訂立數(shù)份保險合同,該幾份保險合同的保險期間重合,同時數(shù)保險合同的總保險金額超過保險價值的狀態(tài)。筆者在確立多數(shù)保險概念后對其特征進(jìn)行了闡述。
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投保價值
保險價值