An F.P.A. policy only covers you against total loss in the case of minor perils. 平安险只有在发生较小危险时才给保全部损失险。
Well, roughly speaking, F.P.A. covers total loss resulting from both natural calamitiesaccidents,partial loss caused by accidents. 大体上说,平安险包括自然灾害和意外事故造成的全部损失和意外事故造成的部分损失。