{"id":3431,"date":"2020-03-13T09:00:45","date_gmt":"2020-03-13T09:00:45","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=3431"},"modified":"2022-08-19T13:50:40","modified_gmt":"2022-08-19T13:50:40","slug":"how-to-decide-on-the-deductible-for-your-home-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/how-to-decide-on-the-deductible-for-your-home-insurance\/","title":{"rendered":"Selecci\u00f3n del deducible correcto del seguro de propietarios"},"content":{"rendered":"

Un deducible es la cantidad de dinero que una persona debe pagar antes de que una p\u00f3liza de seguro entre en vigencia. Por ejemplo, si alguien tiene un deducible de $2,000 en su seguro de hogar, \u00e9l o ella es responsable del primer $2,000 antes de que la compa\u00f1\u00eda de seguros se encargue del resto en caso de un accidente o da\u00f1o de una amenaza mencionada. La importancia de elegir el deducible correcto no se puede exagerar. Cada p\u00f3liza tiene un deducible, y cualquier persona que compre <\/span>Seguro para propietarios de casas<\/span><\/a> debe elegir la cantidad de su deducible.<\/span>
\n<\/span>
\n<\/span>En t\u00e9rminos generales, hay dos tipos de deducibles: un monto basado en porcentajes y un monto basado en d\u00f3lares. La diferencia entre los dos proviene de c\u00f3mo se calcula el deducible. Hay varios factores que a menudo entran en juego dependiendo de la valoraci\u00f3n de la casa. Las siguientes son algunas de las formas de elegir el deducible correcto.<\/span><\/p>\n

Pague un deducible razonablemente alto<\/h2>\n

En primer lugar, es importante tener en cuenta que el deducible de su seguro de hogar debe ser tan alto como pueda pagar c\u00f3modamente. Cuanto mayor sea su deducible, mayores ser\u00e1n las posibilidades de que su prima de seguro para propietarios de viviendas se reduzca hasta un 20 por ciento. Sin embargo, esto no es una licencia para aumentar su deducible sin raz\u00f3n.<\/span><\/p>\n

Limite sus reclamos<\/h2>\n

Esta es una de las formas m\u00e1s inteligentes de evitar pagar un deducible. Sin embargo, esto no significa que deba abandonar las reclamaciones por da\u00f1os. En cambio, implica que hay ciertos pasos preventivos que puede tomar como propietario de una casa para reducir el riesgo de da\u00f1os que resultan de un mantenimiento deficiente o la ausencia de medidas de seguridad adecuadas.<\/span><\/p>\n

Realizar mantenimiento proactivo del hogarmi<\/span><\/h2>\n

Asegurarse de que su hogar est\u00e9 bien mantenido durante todo el a\u00f1o puede desempe\u00f1ar un papel importante para evitar reclamos y pagar deducibles. Algunas medidas de mantenimiento simples que puede tomar incluyen calafatear ventanas, inspeccionar el techo y monitorear las tuber\u00edas de drenaje.<\/span>
\n<\/span>
\n<\/span>Los requisitos de mantenimiento del hogar para cada temporada son diferentes. Por ejemplo, durante la primavera, inspeccione sus sistemas de HVAC, revise los extintores y limpie las canaletas, entre otras cosas. Durante el invierno y el oto\u00f1o, puede limpiar la campana extractora de la cocina y aislar el horno.<\/span><\/p>\n

Presente las reclamaciones con prudencia<\/h2>\n

Solo presente un reclamo cuando sea necesario. Las reclamaciones no solo aumentan las primas de los seguros, sino que tambi\u00e9n pueden hacer que la compa\u00f1\u00eda de seguros lo categorice como propietario de viviendas de alto riesgo, lo que podr\u00eda hacer que sus tarifas aumenten dram\u00e1ticamente.<\/span><\/p>\n

Contrata a un asesor proactivo de seguros<\/h2>\n

Un asesor de seguros proactivo y experimentado se asegurar\u00e1 de que su deducible y las primas de seguro aumenten su estabilidad financiera. Por ejemplo, el asesor podr\u00e1 presentarle las opciones disponibles que pueden ayudarlo a reducir sus primas de seguro. Por ejemplo, \u00e9l o ella puede recomendar la instalaci\u00f3n de tecnolog\u00eda de detecci\u00f3n de fugas en su casa.\u00a0<\/span><\/p>\n

Para obtener m\u00e1s informaci\u00f3n sobre c\u00f3mo elegir un seguro para propietarios de viviendas que se adapte a sus necesidades, llame a los agentes experimentados de Altra Insurance Services. Adem\u00e1s de la cobertura para propietarios de viviendas, ofrecemos una variedad de productos de seguros confiables, que incluyen negocios, inquilinos y <\/span>Seguro de auto en San Diego <\/span><\/a>. San Diego Se recomienda a los residentes que nos llamen hoy al 619-474-6666 para obtener m\u00e1s informaci\u00f3n sobre nuestro servicio de alta calidad y cobertura asequible.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Un deducible es la cantidad de dinero que una persona debe pagar antes de que una p\u00f3liza de seguro entre en vigencia. Por ejemplo, si alguien tiene un deducible de $2,000 en su seguro de hogar, \u00e9l o ella es responsable del primer $2,000 antes de que la compa\u00f1\u00eda de seguros se encargue del resto en caso de un ... <\/p>\n

Continue reading “Selecting the Correct Homeowners Insurance Deductible”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":3528,"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-3431","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"yoast_head":"\nChoosing the Right Home Insurance Deductible<\/title>\n<meta name=\"description\" content=\"When you\u2019re buying homeowners insurance, it\u2019s essential to consider the amount of your deductible. 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