First of all, to determine whether the person is willing to buy insurance, you need to determine his risk preference. If he is a risk lover, he will not buy insurance. If he is a risk averse, he will buy insurance. Sex people can buy it or not;

The amount of the premium should be determined by comparing the expected income of buying insurance and the expected income of not buying insurance. If he has 10,000 yuan, the possibility of property loss is 10 %, so his expected return if he does not insure is 9,000. If he wants to insure, it will be beneficial to him as long as his premium is no more than 1,000 yuan. If it is more than 1,000 yuan, a risk-neutral person will not insure.