摘要： 财产保险中，保险标的安全与否，直接关系到保险合同双方的利益。我国《保险法》第51条明确规定投保人、被保险人维护保险标的安全的义务，以及投保人、被保险人违反这一义务时保险人的救济措施。这一规定对保险人颇为有利，但不足以保障保险相对人的利益。通过对现有条款的限制性解释，引入主观过错和因果关系等要件，规定只有保险相对人因过错违反有关安全防范义务而造成损失时，保险人才可以免除责任。此外还应针对具体情况，完善有关的救济措施，以切实维护保险合同双方利益，实现实质上的公平。

关键词: 财产保险, 安全防范义务, 过错, 因果关系, 解除合同

Abstract: It is important for both parties of property insurance contracts that the subject matter of insurance is kept in safety. The Article 51 of the Insurance Law of China provides that the insured party should comply with safety regulations and maintain the safety of the subject matter, and entitles the insurer to take remedies for the non-compliance. This provision is evidently beneficial to the insurer; yet it can't adequately safeguard the insured's interest. In order to protect the interests of both parties, we should interpret the current provision more restrictively, introduce fault and causation into Interpretation and perfect the remedial measures according to specific situations.

Key words: Property Insurance, Precautionary Obligations, Fault, Causation, Termination of Contract