Analyze this case and answer the following questions :

(1) Zhang's loss belongs to the insurance liability of which insurance type mentioned above?

 (2) to repair the loss of water heater, what is the object that Zhang's family can claim for compensation? (3)H insurance company is responsible for Zhang's loss compensation, how much should the insurer compensate?  (4) What is the liability of an insurance company underwriting accident insurance?

 (5) if this water heater manufacturer, cast insurance of product quality insurance to H insurance company while cast insurance of product liability insurance again, classics judge, person dies to pay 150000 yuan, how many is the indemnity responsibility that underwriter H should assume?

 (6) The beneficiary of Zhang can claim to H and Z insurance company in total?