feat(quality-owner): 增加优质号主、极品专区与无忧租号保险

- 支持保证金余额支付、在线支付开通及后台手动设置审计
- 新增极品专区发布权限、赔付方案与保险结算费率快照
- 优化首页、商品卡和个人中心的优质号主身份展示

frontend/src/features/seller/views/SellerListingCreateView.vue

@@ -22,7 +22,11 @@ const {
   formatNumber,
   loading,
   uploading,
+  router,
   publishAgreements,
+  isQualityOwner,
+  qualityOwnerStatus,
+  insuranceFeePercent,
   virtualAssetSaleAgreementChecked,
   sellerAgreementChecked,
   passwordAndDeviceConfirmed,
@@ -653,6 +657,65 @@ function selectDailyLoss(value: string | number) {
             </div>
           </div>
 
+          <div class="premium-coverage-panel">
+            <div class="premium-zone-row">
+              <div>
+                <strong>极品专区</strong>
+                <span>
+                  {{
+                    isQualityOwner
+                      ? '优质号主专享曝光专区'
+                      : `缴纳 ¥${formatMoney(
+                          (qualityOwnerStatus?.required_deposit_cent || 20000) / 100
+                        )} 保证金后可开通优质号主`
+                  }}
+                </span>
+              </div>
+              <el-switch
+                v-model="form.is_premium"
+                :disabled="!isQualityOwner"
+                active-text="发布到极品专区"
+              />
+            </div>
+            <button
+              v-if="!isQualityOwner"
+              type="button"
+              class="quality-owner-link"
+              @click="router.push('/profile')"
+            >
+              前往个人中心开通优质号主
+            </button>
+
+            <div class="coverage-heading">
+              <strong>选择赔付方案</strong>
+              <span>服务费按号主实际到手租金计算，结算时自动扣除</span>
+            </div>
+            <div class="coverage-option-grid">
+              <button
+                type="button"
+                class="coverage-option"
+                :class="{ active: form.compensation_plan === 'normal' }"
+                @click="form.compensation_plan = 'normal'"
+              >
+                <strong>普通赔付</strong>
+                <span>按平台规则赔付租金与押金</span>
+              </button>
+              <button
+                type="button"
+                class="coverage-option"
+                :class="{ active: form.compensation_plan === 'insurance' }"
+                @click="form.compensation_plan = 'insurance'"
+              >
+                <strong>无忧租号保险</strong>
+                <span> 服务费 {{ insuranceFeePercent.toFixed(1) }}%，额外保障账号市场价值 </span>
+                <em v-if="isQualityOwner && form.is_premium">极品专区专享费率</em>
+              </button>
+            </div>
+            <p class="coverage-note">
+              普通赔付：账号封禁、追回、洗号等情况最高赔付全额租金与押金。无忧租号保险：在普通赔付基础上，额外按账号市场价值赔付；选择后按实际到手租金扣除服务费。
+            </p>
+          </div>
+
           <label class="input-block remark">
             <span>备注</span>
             <el-input