海运保险的基本险按保障范围从小到大分三级：
平安险：保障范围最窄，主要赔全损和特定事故造成的损失，如自然灾害导致的整批货物全损、运输工具搁浅、碰撞等事故损失。
水渍险：在平安险基础上，增加自然灾害造成的部分损失。
一切险：保障范围最 广，除上述责任外，还承保偷窃、淡水雨淋、短量、破碎、受潮受热等一般外来原因造成的全部或部分损失。
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