白茶收藏保险：为你的年份茶资产上把锁
White Tea Collection Insurance: Locking Your Vintage Tea Assets
高价值白茶收藏需要保险保障。当前市场：部分保险公司（如人保财险、平安产险）已推出'茶叶仓储综合保险'，承保范围包括：火灾、水灾、霉变、盗窃、地震等自然灾害和意外事故。保费标准：一般为茶叶评估价值的0.3-0.8%/年。投保条件：需提供茶叶购买凭证、专业仓储证明、茶叶品质鉴定报告。建议：收藏价值超过10万元的白茶务必投保；选择'定值保险'（约定保额，出险时按约定赔付，避免理赔争议）。
High-value white tea collection needs insurance protection. Current market: some insurers (PICC, Ping An) now offer 'tea warehouse comprehensive insurance' covering: fire, water damage, mold, theft, earthquake and other natural disasters and accidents. Premium standards: typically 0.3-0.8% of assessed tea value annually. Requirements: purchase receipts, professional storage proof, quality appraisal report. Recommendation: collections valued over 100,000 yuan should be insured; choose 'valued insurance' (agreed coverage amount, payout per agreement on claim, avoiding settlement disputes).
核心产区 · 源头直供
Core Origin · Direct Supply
福鼎白茶核心产区（太姥山山脉）30+头部厂家直供，白毫银针/白牡丹/老白茶，全流程溯源，全球发货。
Direct from 30+ leading factories in the Taimu Mountain core origin. Full traceability, worldwide shipping.
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