【中文版】

随着社会的发展，越来越多的人选择购买楼房。购买楼房时，除了考虑房屋本身的质量和价格之外，还需要考虑购买相关的保险。那么，做楼房购买什么保险呢？

首先，房屋所有人应该购买房屋保险。房屋保险是一种财产保险，为房屋提供全面的保障。在遇到火灾、水灾、地震等自然灾害或盗窃、爆炸等意外事故时，房屋保险可以保护房屋所有人的利益。

其次，房屋所有人还应该考虑购买家庭财产保险。家庭财产保险可以为房屋及其内部财产提供保障，包括家具、电器、金银珠宝等。在遇到自然灾害或意外事故时，家庭财产保险可以减轻房屋所有人的经济损失。

此外，对于贷款购房者来说，还应该购买抵押贷款保险。抵押贷款保险是一种信用保险，为银行提供保障，确保银行能够收回贷款本金和利息。在借款人无法偿还贷款时，抵押贷款保险可以保护银行的利益。

总的来说，购买楼房时应该考虑购买房屋保险、家庭财产保险和抵押贷款保险。这些保险可以为房屋提供全面的保障，减轻房屋所有人的经济压力，确保房屋的安全和稳定。

【英文版】

With the development of society, more and more people choose to buy a building. When purchasing a building, in addition to considering the quality and price of the house itself, it is also necessary to consider purchasing related insurance. So, what insurance should be bought when buying a building?

First of all, homeowners should purchase home insurance. Home insurance is a property insurance that provides comprehensive coverage for the house. In the event of natural disasters such as fire, flood, earthquake, or accidents such as theft, explosion, etc., home insurance can protect the interests of homeowners.

Secondly, homeowners should also consider purchasing homeowner's insurance. Homeowner's insurance can provide coverage for the house and its internal property, including furniture, appliances, gold and silver jewelry, etc. In the event of natural disasters or accidents, homeowner's insurance can reduce the economic losses of homeowners.

In addition, for mortgage borrowers, mortgage insurance should also be purchased. Mortgage insurance is a credit insurance that provides coverage for banks to ensure that banks can recover the principal and interest of the loan. When the borrower is unable to repay the loan, mortgage insurance can protect the interests of the bank.

Overall, when purchasing a building, you should consider purchasing home insurance, homeowner's insurance, and mortgage insurance. These insurances can provide comprehensive coverage for the house, reduce the economic pressure of homeowners, and ensure the safety and stability of the house.