Where the sum insured is less than the insurable value, the insurer shall bear obligation for indemnity pro rata of the sum insured to the insurable value, unless otherwise stipulated in the contract.

• 如果建筑物的价值超过约定保险价值（例如，超过130平方米的建筑物或豪华建筑物），业主可以将溢额部分向保险公司投保。