{"id":1905,"date":"2020-02-07T09:00:22","date_gmt":"2020-02-07T09:00:22","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1905"},"modified":"2022-08-25T07:24:55","modified_gmt":"2022-08-25T07:24:55","slug":"can-you-purchase-home-insurance-if-you-dont-get-an-inspection","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/","title":{"rendered":"\u00bfSe requiere una inspecci\u00f3n para obtener un seguro para propietarios de viviendas?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">La mayor\u00eda de las veces, se necesita una inspecci\u00f3n para obtener <\/span><a href=\"https:\/\/altrainsurance.com\/homeownwers-insurance-san-diego\/\"><span style=\"font-weight: 400;\">Seguro para propietarios de casas<\/span><\/a><span style=\"font-weight: 400;\">. Sin embargo, hay formas de obtener un seguro de hogar sin una inspecci\u00f3n. Si una casa tiene 25 a\u00f1os o m\u00e1s, una compa\u00f1\u00eda de seguros querr\u00e1 verificar las responsabilidades. Las cosas comunes que las aseguradoras buscan durante una inspecci\u00f3n incluyen riesgos de seguridad, riesgos de seguridad, mantenimiento, actualizaciones y mediciones.<\/span><\/p>\n<h2>Tipos de inspecciones<\/h2>\n<p><span style=\"font-weight: 400;\">Algunas compa\u00f1\u00edas de seguros requieren una inspecci\u00f3n de la vivienda de 4 puntos, lo que significa que el inspector pasar\u00e1 y se centrar\u00e1 en el techo, la plomer\u00eda, la climatizaci\u00f3n y la electricidad. Estas inspecciones no son exhaustivas, por lo que no deben usarse para medir los riesgos de toda la casa. Durante una inspecci\u00f3n completa, los inspectores revisar\u00e1n las paredes, pisos y techos en busca de riesgos potenciales. Tambi\u00e9n medir\u00e1n caracter\u00edsticas especiales de la casa y ver\u00e1n qu\u00e9 mantenimiento y actualizaciones se han realizado en la casa. Otras cosas que un inspector puede buscar incluyen problemas de plagas, pintura a base de plomo y da\u00f1os por agua o moho.<\/span><\/p>\n<h2>Tasaciones e inspecciones<\/h2>\n<p><span style=\"font-weight: 400;\">Una compa\u00f1\u00eda de seguros puede aceptar una tasaci\u00f3n de la casa para su seguro de propietarios. Si la casa es vieja, la evaluaci\u00f3n ya no ser\u00e1 buena. Si una compa\u00f1\u00eda de seguros acepta una evaluaci\u00f3n en lugar de una inspecci\u00f3n, lo m\u00e1s probable es que env\u00ede sus propios evaluadores. Estos evaluadores analizar\u00e1n la integridad estructural de la casa, incluidos los ladrillos y los cimientos. Tambi\u00e9n verificar\u00e1n defectos y responsabilidades en la propiedad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de las compa\u00f1\u00edas de seguros solicitan una evaluaci\u00f3n con una inspecci\u00f3n, pero algunas pueden aceptar solo una evaluaci\u00f3n. Los tasadores solo verifican el valor de la casa, mientras que los inspectores verifican los posibles peligros. Incluso sin una inspecci\u00f3n, una compa\u00f1\u00eda de seguros puede recomendar mejoras al propietario.<\/span><\/p>\n<h2>Inspecciones y Seguros<\/h2>\n<p><span style=\"font-weight: 400;\">Su capacidad de obtener un seguro para propietarios de viviendas sin una inspecci\u00f3n depende de la compa\u00f1\u00eda de seguros. Si su casa tiene m\u00e1s de 25 a\u00f1os o no ha sido inspeccionada en 8 a 10 a\u00f1os, la compa\u00f1\u00eda de seguros querr\u00e1 saber cu\u00e1nto riesgo implica. Al comprar una casa, se recomienda que un inspector la revise. Sin embargo, no es obligatorio, y los bancos no requieren una inspecci\u00f3n para una hipoteca.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Otra cosa a considerar es si su casa tuvo una inspecci\u00f3n pero fall\u00f3. Nuevamente, su capacidad de obtener cobertura depende de la compa\u00f1\u00eda de seguros. Algunas veces se negar\u00e1 una p\u00f3liza hasta que se realicen reparaciones. Alternativamente, puede recibir una pol\u00edtica que le otorga un l\u00edmite de tiempo para solucionar los problemas. Un comprador tambi\u00e9n podr\u00eda usar esto como una herramienta de negociaci\u00f3n. Si la casa no pas\u00f3 la inspecci\u00f3n debido a una gotera en el techo, el comprador podr\u00eda intentar obtener un precio m\u00e1s bajo y hacer las reparaciones \u00e9l mismo. Si no puede obtener un seguro tradicional para propietarios de viviendas, siempre hay una p\u00f3liza de l\u00edneas excedentes, que es espec\u00edficamente para la construcci\u00f3n o propiedades en riesgo y ser\u00e1 m\u00e1s costosa que el seguro para propietarios de viviendas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para un seguro de hogar confiable y econ\u00f3mico, los propietarios de San Diego saben que pueden confiar en Altra Insurance Services. Tambi\u00e9n proporcionamos inquilinos, comerciales, motocicletas y <\/span><a href=\"https:\/\/altrainsurance.com\/\"><span style=\"font-weight: 400;\">seguro de auto National City<\/span><\/a>,<span style=\"font-weight: 400;\"> Los residentes pueden recibir una cotizaci\u00f3n gratis llamando a uno de nuestros agentes amigables hoy al 619-474-6666.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>La mayor\u00eda de las veces, se necesita una inspecci\u00f3n para obtener un seguro para propietarios de viviendas. Sin embargo, hay formas de obtener un seguro de hogar sin una inspecci\u00f3n. Si una casa tiene 25 a\u00f1os o m\u00e1s, una compa\u00f1\u00eda de seguros querr\u00e1 verificar las responsabilidades. Las cosas comunes que las aseguradoras buscan durante una inspecci\u00f3n incluyen riesgos de seguridad, riesgos de seguridad, ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Is an Inspection Required to Get Homeowners Insurance?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":1911,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1905","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Can I Get Homeowners Insurance without an Inspection?<\/title>\n<meta name=\"description\" content=\"Some insurance companies require inspections before they\u2019ll provide homeowners insurance. 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Here\u2019s what you need to know about inspections and home insurance.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/altrainsurance.com\/es\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/","og_locale":"es_ES","og_type":"article","og_title":"Can I Get Homeowners Insurance without an Inspection?","og_description":"Some insurance companies require inspections before they\u2019ll provide homeowners insurance. Here\u2019s what you need to know about inspections and home insurance.","og_url":"https:\/\/altrainsurance.com\/es\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/","og_site_name":"ALTRA INSURANCE","article_published_time":"2020-02-07T09:00:22+00:00","article_modified_time":"2022-08-25T07:24:55+00:00","og_image":[{"width":525,"height":350,"url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2020\/02\/Homeowners-Insurance-Form.jpg","type":"image\/jpeg"}],"author":"Altra Insurance","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Altra Insurance","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/altrainsurance.com\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/#article","isPartOf":{"@id":"https:\/\/altrainsurance.com\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/"},"author":{"name":"Altra Insurance","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"headline":"Is an Inspection Required to Get Homeowners Insurance?","datePublished":"2020-02-07T09:00:22+00:00","dateModified":"2022-08-25T07:24:55+00:00","mainEntityOfPage":{"@id":"https:\/\/altrainsurance.com\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/"},"wordCount":520,"commentCount":0,"image":{"@id":"https:\/\/altrainsurance.com\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2020\/02\/Homeowners-Insurance-Form.jpg","articleSection":["Homeowners Insurance"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/altrainsurance.com\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/altrainsurance.com\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/","url":"https:\/\/altrainsurance.com\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/","name":"Can I Get Homeowners Insurance without an Inspection?","isPartOf":{"@id":"https:\/\/altrainsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/altrainsurance.com\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/#primaryimage"},"image":{"@id":"https:\/\/altrainsurance.com\/can-you-purchase-home-insurance-if-you-dont-get-an-inspection\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2020\/02\/Homeowners-Insurance-Form.jpg","datePublished":"2020-02-07T09:00:22+00:00","dateModified":"2022-08-25T07:24:55+00:00","author":{"@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"description":"Some insurance companies require inspections before they\u2019ll provide homeowners insurance. 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