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Muchos propietarios creen erróneamente que cuando compran un seguro para su hogar, todo está cubierto. Sin embargo, este no es el caso. Aunque los diferentes planes de seguro varían según el plan o la compañía, la mayoría de las compañías generalmente no ofrecen seguro para las siguientes cinco cosas.
1. Inundaciones
Heavy rain and other extreme weather can cause a home to quickly fill with water, leading to damage to the walls, flooring, furniture, and structure. Flood insurance typically has to be purchased in addition to seguro de vivienda en San Diego. Homeowners should be aware that this insurance has to be bought through the National Flood Insurance Program. Many people who don’t live in coastal areas or flood zones believe this type of insurance doesn’t apply to their situation. However, the Federal Emergency Management Agency (FEMA) estimates that 20 percent of floods occur in moderate to low-risk flood areas.
2. Equipos y estructuras comerciales
For those running businesses out of their homes, it’s important to know that most standard policies don’t cover valuable business assets, including proprietary client lists, business equipment, and separate structures that aren’t specifically listed on the policy. A rider can be added to a current policy, or a separate business insurance plan can be purchased to cover theft and loss of business-related items.
3. Respaldo de agua y / o desbordamiento de la bomba de sumidero
When a large amount of rain falls in a short period, the ground can’t immediately absorb all of the water. The excess water collects underground and below basement floors. A sump pump is designed to remove this subsurface water before it floods the basement and causes water damage and mold. Though it isn’t standard in plans, many companies do offer additional coverage to protect against water backup problems.
4. Efectivo, objetos de valor y coleccionables
Most insurance policies cover valuables and collectibles up to a $1,000 value and cash up to $200. Families who have cash, valuables, and collectibles in their home in excess of these amounts don’t have adequate coverage. Highly valuable items, such as silver, coins, heirlooms, firearms, fine art, and jewelry, may exceed this coverage. “Valuable personal property” insurance may be purchased or added to an existing policy plan to cover valuables. Putting fine jewelry, cash, and coins in a fireproof safe offers additional protection.
5. Grietas en la base debido al asentamiento
With time, the earth shifts and houses “settle,” which can cause cracks in the foundation. These cracks can eventually lead to cracks in the walls and structural damage. Getting an inspection before buying a home is essential so you can look for foundation cracks. Most insurance policies exclude damage to the home from cracking, bulging, settling, or shrinking in the walls or foundation, and they don’t have an add-on or rider coverage for foundation cracks or settling either, so avoiding these types of homes is essential.
Si es dueño de una casa o está considerando comprar una, tómese el tiempo para comprender exactamente qué cubre y qué no cubre su póliza de seguro para propietarios de viviendas. Podría ahorrarle mucho tiempo y angustia. Los amables profesionales de Altra Insurance Services estarán encantados de ayudarle a examinar su póliza actual y determinar si tiene la cobertura que necesita. También podemos ayudarlo con seguros para inquilinos, seguros comerciales y seguros para motocicletas y seguro de auto en Chula Vista. Residents should call one of our friendly agents today at (800) 719-9972.