{"id":213,"date":"2018-09-21T09:00:47","date_gmt":"2018-09-21T09:00:47","guid":{"rendered":"http:\/\/altrainsurance.com\/?p=213"},"modified":"2026-05-21T10:39:19","modified_gmt":"2026-05-21T10:39:19","slug":"whats-included-in-home-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/whats-included-in-home-insurance\/","title":{"rendered":"\u00bfQu\u00e9 cubre el seguro est\u00e1ndar para propietarios de viviendas?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Para muchos propietarios de viviendas en el sur de California, el seguro de propiedad es una formalidad o un requisito dif\u00edcil para mantener un techo hipotecado sobre sus cabezas. Este error puede atribuirse al manejo del proceso de pr\u00e9stamo por parte de los prestamistas, que se centra en la velocidad y en apresurar a las partes a la mesa de cierre. Los bancos de pr\u00e9stamos hipotecarios mencionar\u00e1n <\/span><span style=\"font-weight: 400;\">Seguro para propietarios de casas<\/span><span style=\"font-weight: 400;\"> una vez durante el proceso de aprobaci\u00f3n y una vez m\u00e1s antes del cierre. Si los prestatarios no pasan tiempo con sus agentes de seguros y conocen sus p\u00f3lizas, no conocer\u00e1n los siguientes detalles<\/span>, shared by the experts of homeowners insurance National City residents prefer.<\/p>\n<h2>Una pol\u00edtica en forma de contrato<\/h2>\n<p><span style=\"font-weight: 400;\">La redacci\u00f3n de una p\u00f3liza de seguro de vivienda incluye declaraciones, disposiciones, cl\u00e1usulas, l\u00edmites y exclusiones que obligan al asegurador a cubrir a los propietarios de viviendas en caso de que surjan situaciones espec\u00edficas. En esencia, la p\u00f3liza es un contrato entre la compa\u00f1\u00eda de seguros y el propietario, y puede ser dif\u00edcil de entender para alguien que no es abogado. Sin embargo, los agentes de seguros est\u00e1n familiarizados con el lenguaje de las pol\u00edticas y pueden explicar cada detalle del contrato a los propietarios.<\/span><\/p>\n<h2>Cobertura de vivienda<\/h2>\n<p><span style=\"font-weight: 400;\">La estructura que contiene todos los espacios habitables adjuntos de una propiedad residencial se conoce como la vivienda, y es el aspecto m\u00e1s importante de la cobertura, al menos para los prestamistas hipotecarios. La protecci\u00f3n de la vivienda implica proporcionar cobertura contra riesgos espec\u00edficos, siendo los incendios los m\u00e1s comunes. En algunos casos, las estructuras separadas, como los cobertizos para herramientas, pueden incluirse en una pol\u00edtica, pero una cocina al aire libre ubicada en el extremo de una piscina puede requerir una inclusi\u00f3n especial o un jinete.<\/span><\/p>\n<h2>Cobertura de propiedad personal<\/h2>\n<p><span style=\"font-weight: 400;\">Muebles, electrodom\u00e9sticos y otras pertenencias personales tambi\u00e9n se incluyen en la mayor\u00eda de las p\u00f3lizas de seguro de propiedad, pero los montos de cobertura tienden a ser mucho m\u00e1s bajos. En caso de incendio, cat\u00e1strofe o robo, una parte de cierto valor de los art\u00edculos perdidos puede recuperarse una vez que se aprueba un reclamo. Esta cobertura es est\u00e1ndar, pero se puede mejorar para lograr tranquilidad. La cobertura opcional para bienes personales puede aumentarse hasta los l\u00edmites m\u00e1ximos.<\/span><\/p>\n<h2>Cobertura de responsabilidad<\/h2>\n<p><span style=\"font-weight: 400;\">Similar a la cobertura de propiedad personal, esta caracter\u00edstica est\u00e1ndar cubre accidentes a visitantes y otros terceros que pueden lesionarse en la propiedad del asegurado. La idea es proporcionar cobertura para gastos m\u00e9dicos resultantes de una lesi\u00f3n. Los propietarios de viviendas que planean organizar fiestas en grupos pueden necesitar aumentar su cobertura de responsabilidad ya que estos eventos tienden a ser m\u00e1s riesgosos.<\/span><\/p>\n<h2>Cobertura limitada, intermedia e integral<\/h2>\n<p><span style=\"font-weight: 400;\">Todos los prestamistas hipotecarios requieren al menos una cobertura HO-2, que presenta varios l\u00edmites. Otros requieren cobertura de HO-3, pero los propietarios deben evaluar las pol\u00edticas integrales de HO-5, especialmente si tienen antig\u00fcedades, sistemas inteligentes de automatizaci\u00f3n del hogar, valiosas colecciones de vinos, oficinas en el hogar u otras consideraciones que pueden no estar cubiertas en HO-2 o HO -3 niveles. Si bien el seguro integral del hogar puede generar primas m\u00e1s altas, los ahorros se lograr\u00e1n a trav\u00e9s de deducibles m\u00e1s bajos y pagos m\u00e1s altos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si todav\u00eda est\u00e1 alquilando y todav\u00eda no est\u00e1 listo para ser due\u00f1o de una casa, aseg\u00farese de tener\u00a0<\/span>renters insurance. National City families can contact<strong><a href=\"https:\/\/altrainsurance.com\/\"> Servicios de seguros Altra<\/a><\/strong> today for all their insurance needs. Call (800) 719-9972 to receive a free quote from one of our friendly agents.<\/p>","protected":false},"excerpt":{"rendered":"<p>Para muchos propietarios de viviendas en el sur de California, el seguro de propiedad es una formalidad o un requisito dif\u00edcil para mantener un techo hipotecado sobre sus cabezas. Este error puede atribuirse al manejo del proceso de pr\u00e9stamo por parte de los prestamistas, que se centra en la velocidad y en apresurar a las partes a la mesa de cierre. Los bancos de pr\u00e9stamos hipotecarios mencionar\u00e1n el seguro para propietarios de viviendas ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/whats-included-in-home-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;What Is Covered By Standard Homeowners Insurance?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":246,"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-213","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>What Does Homeowners Insurance Cover? [Important Read]<\/title>\n<meta name=\"description\" content=\"One crucial thing you need to acquire once you buy a home is adequate home insurance coverage. Find out what does homeowners insurance cover?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/altrainsurance.com\/es\/whats-included-in-home-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Does Homeowners Insurance Cover? [Important Read]\" \/>\n<meta property=\"og:description\" content=\"One crucial thing you need to acquire once you buy a home is adequate home insurance coverage. Find out what does homeowners insurance cover?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/altrainsurance.com\/es\/whats-included-in-home-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"ALTRA INSURANCE\" \/>\n<meta property=\"article:published_time\" content=\"2018-09-21T09:00:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-21T10:39:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/09\/Model-House-Piggy-Bank.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"525\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Altra Insurance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Altra Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Does Homeowners Insurance Cover? [Important Read]","description":"One crucial thing you need to acquire once you buy a home is adequate home insurance coverage. Find out what does homeowners insurance cover?","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\/whats-included-in-home-insurance\/","og_locale":"es_ES","og_type":"article","og_title":"What Does Homeowners Insurance Cover? [Important Read]","og_description":"One crucial thing you need to acquire once you buy a home is adequate home insurance coverage. Find out what does homeowners insurance cover?","og_url":"https:\/\/altrainsurance.com\/es\/whats-included-in-home-insurance\/","og_site_name":"ALTRA INSURANCE","article_published_time":"2018-09-21T09:00:47+00:00","article_modified_time":"2026-05-21T10:39:19+00:00","og_image":[{"width":525,"height":350,"url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/09\/Model-House-Piggy-Bank.jpeg","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\/whats-included-in-home-insurance\/#article","isPartOf":{"@id":"https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/"},"author":{"name":"Altra Insurance","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"headline":"What Is Covered By Standard Homeowners Insurance?","datePublished":"2018-09-21T09:00:47+00:00","dateModified":"2026-05-21T10:39:19+00:00","mainEntityOfPage":{"@id":"https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/"},"wordCount":529,"commentCount":0,"image":{"@id":"https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/09\/Model-House-Piggy-Bank.jpeg","articleSection":["Homeowners Insurance"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/","url":"https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/","name":"What Does Homeowners Insurance Cover? [Important Read]","isPartOf":{"@id":"https:\/\/altrainsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/#primaryimage"},"image":{"@id":"https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/09\/Model-House-Piggy-Bank.jpeg","datePublished":"2018-09-21T09:00:47+00:00","dateModified":"2026-05-21T10:39:19+00:00","author":{"@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"description":"One crucial thing you need to acquire once you buy a home is adequate home insurance coverage. Find out what does homeowners insurance cover?","breadcrumb":{"@id":"https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/#primaryimage","url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/09\/Model-House-Piggy-Bank.jpeg","contentUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/09\/Model-House-Piggy-Bank.jpeg","width":525,"height":350,"caption":"Things That Come with Home Insurance Coverage in San Diego, CA"},{"@type":"BreadcrumbList","@id":"https:\/\/altrainsurance.com\/whats-included-in-home-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/altrainsurance.com\/"},{"@type":"ListItem","position":2,"name":"What Is Covered By Standard Homeowners Insurance?"}]},{"@type":"WebSite","@id":"https:\/\/altrainsurance.com\/#website","url":"https:\/\/altrainsurance.com\/","name":"SEGURO ALTRA","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/altrainsurance.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1","name":"Altra Insurance","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","caption":"Altra Insurance"},"sameAs":["http:\/\/blog578"],"url":"https:\/\/altrainsurance.com\/es\/author\/blog578-2\/"}]}},"jetpack_featured_media_url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/09\/Model-House-Piggy-Bank.jpeg","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/213","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/comments?post=213"}],"version-history":[{"count":1,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/213\/revisions"}],"predecessor-version":[{"id":15180,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/213\/revisions\/15180"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/media\/246"}],"wp:attachment":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/media?parent=213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/categories?post=213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/tags?post=213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}