For a period of time, universal home property insurance has rapidly developed nationwide, and by the end of 2025, the cumulative number of implemented projects has exceeded 40. In Beijing, the "Puhui Family Financial Insurance" has served over 300000 households and provided risk protection worth over one trillion yuan in its first year of operation; In Shenzhen, "Huijia Insurance" received 280 cases and compensated 377300 yuan within 100 days of its implementation... Universal home insurance is actively playing the role of a social "stabilizer" and an economic "shock absorber" in the insurance industry. The so-called universal home property insurance has three main characteristics: firstly, it is universal. The scope of protection covers various property, accident, and liability risks commonly faced by families, ranging from traditional "high-risk" events such as fires and floods, to new "hidden areas" such as "high-frequency small pain points" such as household pipeline leaks and self owned electric vehicle self ignition, and "electric fraud losses". Its protection scope is wide and its applicability is strong. The consumer scope aims to cover groups that are difficult for traditional finance to reach, in order to achieve as wide coverage as possible. The focus is on improving the coverage and reach of products and services through innovative marketing solutions, including exploring online channels and conducting scenario based marketing. The second is tolerance. Our business philosophy is based on the requirement of equal opportunities, providing appropriate and effective financial services to various groups with risk management and protection needs through affordable and sustainable pricing. We enhance our capabilities in digital risk control and risk reduction to improve quality and efficiency, seek long-term balance between commercial value and social value, avoid relying on external blood transfusions, and ensure that our service model is replicable and sustainable. Thirdly, it is open. The product is simple and easy to understand, with low participation barriers, promoting collaborative construction among multiple stakeholders. For example, the exclusive product of Beijing Puhui Home Financial Insurance's "Rural Housing Edition" integrates the insurance entrance for earthquake disaster insurance for Chinese urban and rural residents supported by financial subsidies into the insurance platform, enhancing service convenience, effectively connecting national policy insurance resources, and expanding risk protection dimensions. The universal home insurance has gone from exploring and testing the waters in the early days to today's deep promotion, reflecting the market's recognition of related protection products and services. The affordable and approachable price threshold, simple and easy to implement insurance process, easy to understand protection terms, and efficient operation mode empowered by digitalization have successfully activated product markets and segmented populations that were previously difficult to cover, reducing the worries of families and helping to reduce precautionary savings. Furthermore, by enhancing the penetration of insurance coverage into households, insurance institutions can reach long tail customer groups to accumulate massive and multidimensional basic data assets, providing a solid foundation for actuarial pricing and industry risk control model iteration, thereby facilitating risk management and reduction under certain conditions. For example, while promoting universal home property insurance, Beijing has launched the "Smart Management System for Family Risk Reduction" to integrate multi-dimensional historical data such as industry underwriting and claims, risk reduction services, and natural disasters, providing more scientific and accurate basis for providing risk reduction services. By continuously expanding external data, the system can provide data support and decision-making references for urban traffic optimization, renovation of old residential areas, property safety inspections, etc., thereby forming a complete risk management chain of pre warning, in-process intervention, and post loss compensation. Because of this, the future development of inclusive home insurance is not only an iteration of business models, but also a test of social governance capabilities. It requires more reference to the concept of "source governance and forward shift of checkpoints" in the "Fengqiao Experience" to reshape the business logic. More actively transitioning towards' proactive governance 'to overcome the challenge of supply-demand matching. In order to lower the threshold for participation in universal home insurance, it is necessary to balance the simplicity of standardization with the diversity of consumers' "thousands of faces". The important method of the 'Fengqiao Experience' is to rely on the masses and implement targeted policies. Universal home property insurance can consider making more use of modular design, providing consumers with multiple combinations of choices based on default basic options to better meet their needs. Through continuous consumer education, guide the public to view various measures to reduce risks as a "pre defense line" for household property safety, while insurance is only a "post event fallback" mechanism, thus building a solid foundation for risk governance at the social consciousness level. Actively building an intelligent risk control system to overcome the challenges of information asymmetry. Universal home property insurance, due to its "universal" and "beneficial" characteristics, will face massive fragmented claims cases and reach a large number of "white households" who lack historical data. This makes adverse selection and moral hazard a serious challenge to its sustainable development. Insurance companies need to accelerate the construction of a "data-driven+intelligent decision-making" full process risk control system, balance the contradiction between "low premiums" and "high payouts" through differentiated products and pricing, improve loss assessment and abnormal behavior warning systems, etc., while reducing operating costs and building a strong risk defense line. Actively breaking down data barriers to overcome risk control bottlenecks and challenges. Under the premise of privacy, security, and compliance, a cross departmental data security interaction platform can be built. Through multi-source data fusion, a more accurate social risk governance map can be constructed, making insurance a "sensor" for social security operation and resolving more risks in their infancy. (New Society)