{"id":3142,"date":"2020-02-28T09:00:25","date_gmt":"2020-02-28T09:00:25","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1934"},"modified":"2023-01-05T11:31:37","modified_gmt":"2023-01-05T11:31:37","slug":"home-insurance-and-the-80-20-rule","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/home-insurance-and-the-80-20-rule\/","title":{"rendered":"\u00bfC\u00f3mo funciona la regla del 80 por ciento para el seguro de propietarios de viviendas?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">La cobertura de seguro de hogar es crucial para ayudarlo a sobrevivir financieramente si lo peor le sucede a su hogar. Sin embargo, hay momentos en que las personas descubren que no tienen tanta cobertura como pensaban. La regla del 80 por ciento en <\/span><a href=\"https:\/\/altrainsurance.com\/homeownwers-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de hogar<\/span><\/a><span style=\"font-weight: 400;\"> es bastante est\u00e1ndar en la mayor\u00eda de las pol\u00edticas, y comprender c\u00f3mo funciona puede ayudarlo a asegurarse de que nunca quede atrapado con un seguro insuficiente cuando necesite protecci\u00f3n contra una p\u00e9rdida financiera.<\/span><\/p>\n<h2>C\u00f3mo funciona la regla 80\/20<\/h2>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de las compa\u00f1\u00edas de seguros requieren que los propietarios aseguren sus propiedades por al menos el 80 por ciento de su costo de reemplazo. Idealmente, debe esforzarse por asegurar su hogar lo m\u00e1s cerca posible del 100 por ciento, pero la marca del 80 por ciento es donde la mayor\u00eda de las compa\u00f1\u00edas marcan la l\u00ednea. Si no cubre su casa por al menos esa cantidad, es posible que la compa\u00f1\u00eda no est\u00e9 dispuesta a pagar un reclamo completo.<\/span><\/p>\n<h2>C\u00f3mo el costo de reemplazo difiere del valor de mercado<\/h2>\n<p><span style=\"font-weight: 400;\">Uno de los problemas a los que a veces se enfrentan los propietarios de viviendas es no comprender completamente la diferencia entre el costo de reemplazo y el valor de mercado de sus viviendas. El costo de reemplazo de su casa se basa en los materiales principales que componen la estructura. Una manera f\u00e1cil de ver esto es pensar en lo que costar\u00eda reconstruir su casa desde cero si fue completamente demolida por un incendio. Necesitar\u00eda fondos para el edificio real junto con las partes que mejoran el funcionamiento de su casa, como los accesorios de plomer\u00eda y electrodom\u00e9sticos. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">El valor de mercado de su casa incluye cosas como la tierra que rodea su propiedad. Puede ser m\u00e1s alto que el costo de reemplazo de su casa debido a factores como la conveniencia de la ubicaci\u00f3n de su casa. El valor de mercado simplemente representa cu\u00e1nto se puede vender una casa en su estado actual, y f\u00e1cilmente podr\u00eda ser mayor o menor que el costo de reemplazo, lo que a menudo genera confusi\u00f3n.<\/span><\/p>\n<h2>\u00bfQu\u00e9 sucede cuando tienes seguro insuficiente?<\/h2>\n<p><span style=\"font-weight: 400;\">Descubrir que tiene un seguro insuficiente es molesto, especialmente cuando ha pagado sus primas a tiempo. Sin embargo, a\u00fan se le debe pagar al menos el monto prorrateado del costo de reemplazo para el que tiene cobertura. Tenga en cuenta que es posible que deba pagar un deducible antes de que la responsabilidad de la compa\u00f1\u00eda de seguros entre en vigencia. <\/span><\/p>\n<h2>Cu\u00e1ndo actualizar su seguro<\/h2>\n<p><span style=\"font-weight: 400;\">Mantener su cobertura por encima del 80 por ciento del costo de reemplazo es esencial para evitar una sorpresa no deseada durante una situaci\u00f3n catastr\u00f3fica, lo que significa que puede necesitar aumentar ocasionalmente su nivel de cobertura. Algunas compa\u00f1\u00edas permiten agregar una cobertura de protecci\u00f3n contra la inflaci\u00f3n que lo protege si los costos de los materiales utilizados para su casa aumentan con el tiempo. Es posible que tambi\u00e9n deba actualizar su p\u00f3liza despu\u00e9s de terminar un proyecto de remodelaci\u00f3n que aumente el costo de reemplazo de su hogar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">No importa qu\u00e9 tipo y cantidad de cobertura elija, aseg\u00farese de comprar su seguro de hogar de un proveedor confiable y experimentado. 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\/auto-insurance-chula-vista\/\"><span style=\"font-weight: 400;\">auto insurance chula Vista<\/span><\/a>.<span style=\"font-weight: 400;\"> Local residents can receive a free quote by calling one of our friendly agents today at 619-474-6666.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>La cobertura de seguro de hogar es crucial para ayudarlo a sobrevivir financieramente si lo peor le sucede a su hogar. Sin embargo, hay momentos en que las personas descubren que no tienen tanta cobertura como pensaban. La regla del 80 por ciento en el seguro de hogar es bastante est\u00e1ndar en la mayor\u00eda de las p\u00f3lizas, y comprender c\u00f3mo funciona puede ayudarlo ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/home-insurance-and-the-80-20-rule\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;How Does the 80 Percent Rule for Homeowners Insurance Work?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":1943,"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-3142","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\u2019s the 80 Percent Rule in Home Insurance?<\/title>\n<meta name=\"description\" content=\"Most insurance companies require you to insure your home for at least 80 percent of its replacement cost. 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Learn about this rule regarding home insurance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/altrainsurance.com\/es\/home-insurance-and-the-80-20-rule\/\" \/>\n<meta property=\"og:site_name\" content=\"ALTRA INSURANCE\" \/>\n<meta property=\"article:published_time\" content=\"2020-02-28T09:00:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-05T11:31:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/altrainsurance.com\/wp-content\/uploads\/2020\/02\/Homeowners-Insurance-1.jpg\" \/>\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\u2019s the 80 Percent Rule in Home Insurance?","description":"Most insurance companies require you to insure your home for at least 80 percent of its replacement cost. Learn about this rule regarding 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\/home-insurance-and-the-80-20-rule\/","og_locale":"es_ES","og_type":"article","og_title":"What\u2019s the 80 Percent Rule in Home Insurance?","og_description":"Most insurance companies require you to insure your home for at least 80 percent of its replacement cost. 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