{"id":3670,"date":"2020-04-13T09:00:10","date_gmt":"2020-04-13T09:00:10","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=3670"},"modified":"2023-01-05T11:15:47","modified_gmt":"2023-01-05T11:15:47","slug":"when-should-i-shop-around-for-insurance-for-my-home","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/when-should-i-shop-around-for-insurance-for-my-home\/","title":{"rendered":"\u00bfCu\u00e1ndo debo revisar mis necesidades de seguro de propietarios?"},"content":{"rendered":"

Everyone who owns a home needs to have <\/span>Seguro para propietarios de casas<\/span><\/a>. The financial costs of not having it are astronomical if something happens, so you cannot afford not to have it. But as with other types of insurance, you should periodically shop around to ensure you\u2019re getting the best deal. The following are some factors that determine how often you should shop for seguro de hogar<\/span>.<\/span><\/p>\n

Cuando su pol\u00edtica actual est\u00e1 por renovarse<\/h2>\n

Al igual que otros tipos de seguro, la cobertura del seguro para propietarios de viviendas suele ser de un a\u00f1o. Por esta raz\u00f3n, el final de cada a\u00f1o es un buen momento para reevaluar su pol\u00edtica para determinar si a\u00fan satisface sus necesidades y si puede obtener un mejor trato en otro lugar. Conc\u00e9ntrese en tener un seguro que ofrezca los niveles de cobertura que realmente necesita sobre el seguro que tiene un precio m\u00e1s barato, pero a menudo puede darse una vuelta y encontrar niveles similares de cobertura por menos.<\/span><\/p>\n

Cuando hay un cambio en su hogar<\/h2>\n

Usted est\u00e1 obligado a informar a su compa\u00f1\u00eda de seguros de propietarios cuando haya un cambio en su hogar que pueda afectar su tarifa y cobertura. Por ejemplo, podr\u00eda haber adoptado un perro que podr\u00eda ser un pasivo y aumentar sus tarifas, o podr\u00eda haber construido una adici\u00f3n a la casa que aumenta su valor. Cuando ocurran estos cambios, hable con su compa\u00f1\u00eda de seguros de propietarios para determinar si sus tarifas se ver\u00e1n afectadas. Si lo desean, puede comenzar a comprar en otro lugar si lo desea.<\/span><\/p>\n

Cuando no has comprado en mucho tiempo<\/h2>\n

Si ha sido propietario de su casa durante mucho tiempo, su compa\u00f1\u00eda de seguros de propietarios puede haber aumentado sus tasas de manera constante a lo largo de los a\u00f1os hasta el punto en que est\u00e1 pagando m\u00e1s de lo que necesita. Si ha tenido la p\u00f3liza durante varios a\u00f1os sin presentar ning\u00fan reclamo, su compa\u00f1\u00eda de seguros podr\u00eda estar dispuesta a reducir la tasa en funci\u00f3n de la lealtad del cliente y la percepci\u00f3n de menor riesgo. De cualquier manera, vale la pena reevaluar su p\u00f3liza despu\u00e9s de unos a\u00f1os de ser due\u00f1o de la casa para asegurarse de que el monto que est\u00e1 pagando por su cobertura sigue siendo razonable.<\/span><\/p>\n

Usted pag\u00f3 su hipoteca<\/h2>\n

Cuando solicita una hipoteca para comprar una vivienda, su prestamista generalmente le exigir\u00e1 que tenga un cierto nivel de cobertura de seguro de vivienda. Una vez que la hipoteca se haya pagado, tendr\u00e1 m\u00e1s flexibilidad para elegir otro plan o compa\u00f1\u00eda que pueda satisfacer mejor sus necesidades. Solo aseg\u00farese de mantener niveles de cobertura adecuados para su propia protecci\u00f3n. Evite reducir la cobertura que es ventajosa simplemente para ahorrar algo de dinero cada mes. Por otro lado, su situaci\u00f3n financiera puede ser lo suficientemente buena como para que pueda ir con niveles m\u00e1s bajos de cobertura en algunas \u00e1reas. Tu decides.\u00a0<\/span><\/p>\n

Seguir los consejos anteriores puede ayudarlo a ahorrar dinero en los costos de su seguro y garantizar que tenga la cobertura adecuada para sus necesidades. 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>seguro de auto chula vista<\/span><\/a>. Solicite una cotizaci\u00f3n gratis llamando hoy a uno de nuestros agentes amigables al 619-474-6666.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Todos los propietarios de una casa deben tener un seguro para propietarios. Los costos financieros de no tenerlo son astron\u00f3micos si algo sucede, por lo que no puede permitirse no tenerlo. Pero al igual que con otros tipos de seguros, debe comparar precios peri\u00f3dicamente para asegurarse de obtener la mejor oferta. Los siguientes son algunos factores que ... <\/p>\n

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