insured value

基本解释

If the insured amount is less than the insured value, the insurer shall retain part of the rights according to the proportion between the insured amount and the insured value.
保险金额低于保险价值的，保险人按照保险金额与保险价值的比例取得受损保险标的的部分权利。
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Chapter Four: First basic supposition of the fixed price is introduced, namely mortality rate, interest rate, failure rate, expense rate, average insured value.
第四章中，首先介绍了定价的基本假设，即死亡率、利率、失效率、费用率、平均保额假设；
Any shipper or passenger who has voluntarily applied for insured transport of valued articles shall be entitled to an indemnity on a par with the actual loss but not exceeding the insured value.
运人或者旅客根据自愿申请办理保价运输的，按照实际损失赔偿，但最高不超过保价额。

In other words, lower the amount insured below the actual value of the house to prevent moral hazard.
换句话说，将房屋的保险价值低估于其实际价值,以此来防范道德风险。
耶鲁公开课 - 金融市场课程节选

Deductibles now can reach 5 percent of insured value when a hurricane hits, raising questions about whether some homeowners will be able to afford repairs.
NPR: Coastal Homeowners Stagger Under Insurance Costs
Some critics also say insurers are inflating the insured value of houses, saying they would cost more to rebuild, thus raising the total bill each year without raising rates.
NPR: Coastal Homeowners Stagger Under Insurance Costs
This means that people differ in how much they value being insured against bad outcomes, and those who value insurance the most also happen to be those who have low expected costs.
FORBES: The Economics of All-You-Can-Eat Buffets

保险价值
It means that for keeping away the same risk, the insurant had better made multiple contracts with the same insured interest and the same period, and the insurance amount in all exceeds the insured value.
笔者认为,多数保险是指在同一个保险利益上,为了防范相同的风险,订立数份保险合同,该几份保险合同的保险期间重合,同时数保险合同的总保险金额超过保险价值的状态。笔者在确立多数保险概念后对其特征进行了阐述。
经济学
投保价值
保险价值