{"id":310,"date":"2018-10-01T09:00:56","date_gmt":"2018-10-01T09:00:56","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=310"},"modified":"2018-10-01T09:00:56","modified_gmt":"2018-10-01T09:00:56","slug":"what-comes-with-renters-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/what-comes-with-renters-insurance\/","title":{"rendered":"7 aspectos esenciales de la cobertura de seguro para inquilinos"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">A la luz de la devastaci\u00f3n causada por los desastres naturales en los Estados Unidos en los \u00faltimos a\u00f1os, el inter\u00e9s en las p\u00f3lizas de seguro para inquilinos ha ido en aumento. A diferencia de la cobertura de seguro para propietarios de viviendas para prestatarios hipotecarios, las p\u00f3lizas de seguro para inquilinos no pueden imponerse a los inquilinos, lo que explica por qu\u00e9 no est\u00e1 tan extendido como deber\u00eda.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El seguro para inquilinos es una medida financiera inteligente a tener en cuenta justo despu\u00e9s de firmar un contrato de arrendamiento en California. Cuando compre esta cobertura, aseg\u00farese de buscar las siguientes caracter\u00edsticas.<\/span><\/p>\n<h2>1. Cobertura adecuada para posesiones personales<\/h2>\n<p><span style=\"font-weight: 400;\">La cobertura de posesi\u00f3n personal es una caracter\u00edstica est\u00e1ndar de las p\u00f3lizas de seguro para inquilinos, pero debe respaldarse con un inventario detallado de todos los art\u00edculos junto con su valor. Puede elegir entre varios niveles de cobertura, y debe obtener el 100 por ciento m\u00e1s cercano posible.<\/span><\/p>\n<h2>2. Riesgos cubiertos<\/h2>\n<p><span style=\"font-weight: 400;\">El fuego y el robo son los peligros m\u00e1s comunes cubiertos por <\/span><a href=\"https:\/\/altrainsurance.com\/renters-insurance-san-diego\/\"><span style=\"font-weight: 400;\">el seguro para inquilinos. San Diego<\/span><\/a><span style=\"font-weight: 400;\"> Los inquilinos pueden sentirse decepcionados al saber que no todos los desastres est\u00e1n incluidos en las pol\u00edticas est\u00e1ndar. Es posible que vea cobertura relacionada con da\u00f1os por agua, pero esto probablemente se referir\u00e1 a inundaciones causadas por un problema de plomer\u00eda y no por una marejada cicl\u00f3nica. En California, los inquilinos tienen la opci\u00f3n de asegurar sus pertenencias en caso de terremoto por medio de una pol\u00edtica separada ofrecida por la agencia de la Autoridad de Terremotos de California.<\/span><\/p>\n<h2>3. Factores de mitigaci\u00f3n de riesgos<\/h2>\n<p><span style=\"font-weight: 400;\">Al igual que el seguro para propietarios de viviendas, los detectores de humo, los sistemas de alarma de seguridad y las cerraduras inteligentes reducen el perfil de riesgo y reducen la prima de la p\u00f3liza. Del mismo modo, un buen historial crediticio y la agrupaci\u00f3n de otras p\u00f3lizas de seguro pueden generar descuentos y pagos de primas m\u00e1s asequibles.<\/span><\/p>\n<h2>4. Cobertura de costos de reemplazo<\/h2>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de las p\u00f3lizas de seguro para inquilinos incluyen provisiones reales de valor en efectivo que est\u00e1n sujetas a depreciaci\u00f3n, lo que significa que puede obtener menos de lo que espera. Una provisi\u00f3n de costo de reemplazo proporciona pagos m\u00e1s altos. Esta opci\u00f3n generalmente viene con una prima m\u00e1s alta, pero puede facilitar financieramente el reemplazo de art\u00edculos perdidos.<\/span><\/p>\n<h2>5. Cantidad deducible razonable<\/h2>\n<p><span style=\"font-weight: 400;\">Como la mayor\u00eda de las otras p\u00f3lizas, los contratos de seguro para inquilinos tienen un monto deducible que se espera que cubra de su bolsillo. Si el monto de su deducible es $1,000 y el valor total de su propiedad es $3,000, solo obtendr\u00e1 un pago de $2,000 en caso de p\u00e9rdida total.<\/span><\/p>\n<h2>6. Lejos de la cobertura del hogar<\/h2>\n<p><span style=\"font-weight: 400;\">Si viaja con algunos de sus art\u00edculos de propiedad personal, verifique esta disposici\u00f3n. Por ejemplo, si lleva una computadora port\u00e1til en el camino y se la roban de una habitaci\u00f3n de hotel, esto es cuando se aplicar\u00eda la cobertura fuera del establecimiento.<\/span><\/p>\n<h2>7. Gastos de vida cubiertos<\/h2>\n<p><span style=\"font-weight: 400;\">Si su casa o apartamento alquilado se vuelve inhabitable por un peligro cubierto, los gastos de vida adicionales en los que incurrir\u00eda al mudarse a alojamientos temporales estar\u00edan cubiertos por esta disposici\u00f3n especial. En caso de emergencias, los gastos de subsistencia, como las comidas, tambi\u00e9n pueden cubrirse durante unos d\u00edas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si necesita un seguro para inquilinos confiable y asequible, comun\u00edquese con Altra Insurance Services. Tambi\u00e9n somos un proveedor l\u00edder de productos para el hogar, comerciales y <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de auto. San Diego<\/span><\/a><span style=\"font-weight: 400;\"> Los residentes que deseen recibir una cotizaci\u00f3n gratis pueden llamarnos hoy al (800) 719-9972.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>A la luz de la devastaci\u00f3n causada por los desastres naturales en los Estados Unidos en los \u00faltimos a\u00f1os, el inter\u00e9s en las p\u00f3lizas de seguro para inquilinos ha ido en aumento. A diferencia de la cobertura de seguro para propietarios de vivienda para prestatarios hipotecarios, las p\u00f3lizas de seguro para inquilinos no pueden imponerse a los inquilinos, lo que explica por qu\u00e9 no est\u00e1 tan extendido como deber\u00eda. El seguro para inquilinos es un ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/what-comes-with-renters-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;7 Essential Aspects of Renters Insurance Coverage&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":312,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[10],"tags":[],"class_list":["post-310","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-renters-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>7 Essential Aspects of Renters Insurance Coverage<\/title>\n<meta name=\"description\" content=\"Home insurance is vital for homeowners, but those who rent their homes need coverage as well. 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