{"id":4004,"date":"2021-07-05T09:00:28","date_gmt":"2021-07-05T09:00:28","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4004"},"modified":"2023-01-05T10:49:59","modified_gmt":"2023-01-05T10:49:59","slug":"home-insurance-and-the-80-percent-rule","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/home-insurance-and-the-80-percent-rule\/","title":{"rendered":"\u00bfC\u00f3mo funciona la regla del 80 por ciento para el seguro de propietarios de viviendas?"},"content":{"rendered":"

Hay muchas reglas y pautas claramente detalladas que se aplican al seguro de hogar y al seguro en general, por lo que es comprensible estar un poco confundido por algunas de las \"reglas no escritas\" que tienden a aplicarse al seguro de hogar. Una de ellas es la regla del 80 por ciento. Esto es lo que necesita saber al respecto y c\u00f3mo puede afectarlo.<\/span><\/p>\n

Los fundamentos de la regla del 80 por ciento<\/h2>\n

En pocas palabras, la regla del 80 por ciento se usa a menudo como una gu\u00eda de lo que cubrir\u00e1 un proveedor de seguros despu\u00e9s de un desastre. En este caso, significa que las compa\u00f1\u00edas de seguros no brindar\u00e1n una cobertura completa en caso de que ocurra un desastre, a menos que la p\u00f3liza sea igual, como m\u00ednimo, al 80 por ciento del valor de reposici\u00f3n total de la vivienda asegurada.<\/span><\/p>\n

Lo que podr\u00eda significar para usted<\/h2>\n

esto no escrito <\/span>seguro de hogar<\/span><\/a> La regla puede afectar la cantidad del costo de reconstrucci\u00f3n de su hogar que tendr\u00e1 que absorber usted mismo. Por ejemplo, si su casa est\u00e1 asegurada por menos del 80 por ciento de su valor de reemplazo total, su proveedor de seguros puede cubrir solo la diferencia. Una forma com\u00fan de determinar si su casa est\u00e1 asegurada por el 80 por ciento de su valor de reposici\u00f3n es dividir el monto de su cobertura comprada por el 80 por ciento del valor de reposici\u00f3n determinado.<\/span><\/p>\n

Valor de mercado frente a valor de reemplazo<\/h2>\n

El valor de mercado de su casa no es lo mismo que su valor de reposici\u00f3n. Es importante conocer la diferencia para que pueda determinar si necesita o no hacer ajustes a su p\u00f3liza. El valor de mercado se refiere al valor de su casa basado en su valor tasado actual. El atractivo exterior, el estilo arquitect\u00f3nico y la calidad de la construcci\u00f3n se encuentran entre los factores que suelen determinar el valor de mercado de una vivienda.<\/span>
\n<\/span>
\n<\/span>A lo que se refiere el valor de reposici\u00f3n son los costos promedio que estar\u00edan involucrados si su casa necesitara ser reconstruida. Esta cifra suele estar determinada por:<\/span>
\n<\/span>
\n<\/span>\u2022 Los pies cuadrados de su casa<\/span>
\n<\/span>\u2022 El valor de las caracter\u00edsticas interiores y exteriores<\/span>
\n<\/span>\u2022 Costos de mano de obra relacionados con el proceso de reconstrucci\u00f3n<\/span><\/p>\n

Las mejoras en el hogar tambi\u00e9n podr\u00edan influir en el valor de reemplazo<\/h2>\n

El hecho de que inicialmente haya comprado suficiente seguro de hogar para cubrir el 80 por ciento del valor de reemplazo de su hogar no significa que siempre estar\u00e1 listo para tener cobertura. Lo que le haya hecho a su casa desde que la asegur\u00f3 inicialmente tambi\u00e9n tendr\u00e1 un impacto en su valor de reposici\u00f3n.<\/span>
\n<\/span>
\n<\/span>Por ejemplo, si ha realizado actualizaciones significativas en su cocina y ba\u00f1o o ha ampliado su hogar a lo largo de los a\u00f1os, los costos de reemplazo podr\u00edan ser mucho m\u00e1s altos ahora. Esto, a su vez, podr\u00eda significar que ya no tiene suficiente seguro para cubrir el 80 por ciento del valor de reemplazo, lo que podr\u00eda ser una sorpresa si ocurriera algo inesperado. Por esta raz\u00f3n, puede ser \u00fatil revisar peri\u00f3dicamente su p\u00f3liza de seguro de hogar para que pueda hacer cualquier ajuste de cobertura si as\u00ed lo desea.<\/span><\/p>\n

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>seguro de auto chula vista<\/span><\/a>. Los residentes locales pueden recibir una cotizaci\u00f3n gratis llamando hoy a uno de nuestros amables agentes al (800) 719-9972.\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Hay muchas reglas y pautas claramente detalladas que se aplican al seguro de hogar y al seguro en general, por lo que es comprensible estar un poco confundido por algunas de las \"reglas no escritas\" que tienden a aplicarse al seguro de hogar. Una de ellas es la regla del 80 por ciento. Esto es lo que necesita saber al respecto... <\/p>\n

Continue reading “How Does the 80 Percent Rule for Homeowners Insurance Work?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4005,"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-4004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"yoast_head":"\nWhat Is the 80% Rule in Home Insurance?<\/title>\n<meta name=\"description\" content=\"Most insurance companies will require you to insure your home for at least 80 percent of its replacement cost. Learn more about this rule in home insurance.\" \/>\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\/home-insurance-and-the-80-percent-rule\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is the 80% Rule in Home Insurance?\" \/>\n<meta property=\"og:description\" content=\"Most insurance companies will require you to insure your home for at least 80 percent of its replacement cost. 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Learn more about this rule in 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-percent-rule\/","og_locale":"es_ES","og_type":"article","og_title":"What Is the 80% Rule in Home Insurance?","og_description":"Most insurance companies will require you to insure your home for at least 80 percent of its replacement cost. Learn more about this rule in home insurance.","og_url":"https:\/\/altrainsurance.com\/es\/home-insurance-and-the-80-percent-rule\/","og_site_name":"ALTRA INSURANCE","article_published_time":"2021-07-05T09:00:28+00:00","article_modified_time":"2023-01-05T10:49:59+00:00","og_image":[{"width":525,"height":350,"url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/80-Rule.jpg","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\/home-insurance-and-the-80-percent-rule\/#article","isPartOf":{"@id":"https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/"},"author":{"name":"Altra Insurance","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"headline":"How Does the 80 Percent Rule for Homeowners Insurance Work?","datePublished":"2021-07-05T09:00:28+00:00","dateModified":"2023-01-05T10:49:59+00:00","mainEntityOfPage":{"@id":"https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/"},"wordCount":548,"commentCount":0,"image":{"@id":"https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/80-Rule.jpg","articleSection":["Homeowners Insurance"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/","url":"https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/","name":"What Is the 80% Rule in Home Insurance?","isPartOf":{"@id":"https:\/\/altrainsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/#primaryimage"},"image":{"@id":"https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/80-Rule.jpg","datePublished":"2021-07-05T09:00:28+00:00","dateModified":"2023-01-05T10:49:59+00:00","author":{"@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"description":"Most insurance companies will require you to insure your home for at least 80 percent of its replacement cost. Learn more about this rule in home insurance.","breadcrumb":{"@id":"https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/#primaryimage","url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/80-Rule.jpg","contentUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/80-Rule.jpg","width":525,"height":350,"caption":"There are many clearly spelled out rules and guidelines that apply to home insurance and insurance in general, so it's understandable to be a bit confused by some of the \"unwritten rules\" that tend to apply to home insurance. One of these is the 80 percent rule. Here's what you need to know about it and how it may affect you. The Basics of the 80 Percent Rule In a nutshell, the 80 percent rule is often used as a guideline for what an insurance provider will cover after a disaster. In this case, it means insurance companies won't provide full coverage should a disaster occur unless the policy is equal to, at the very least, 80 percent of the total replacement value of the insured home. What It Could Mean for You This unwritten home insurance rule can affect how much of the cost of rebuilding your home you'll have to absorb yourself. For instance, if your home is insured for less than 80 percent of its total replacement value, your insurance provider may only cover the difference. A common way to determine if your home is insured for 80 percent of its replacement value is to divide the amount of your purchased coverage by 80 percent of the determined replacement value. Market Value vs. Replacement Value The market value of your home isn't the same as its replacement value. It's important to know the difference so you can determine whether or not you may need to make adjustments to your policy. Market value refers to the value of your home based on its current assessed value. Curb appeal, architectural style, and construction quality are among the factors that typically determine the market value of a home. What replacement value refers to is the average costs that would be involved if your home would need to be rebuilt. This figure is often determined by: \u2022 Your home's square footage \u2022 The value of interior and exterior features \u2022 Labor costs related to the rebuilding process Home Improvements Could Also Influence Replacement Value Just because you initially purchased enough home insurance to cover 80 percent of your home's replacement value doesn't mean you'll always be good to go coverage-wise. What you've done to your home since you initially insured it will also have an impact on its replacement value. For example, if you've made significant updates to your kitchen and bathroom or added on to your home over the years, costs for replacement could be much higher now. This could, in turn, mean you no longer have enough insurance to cover 80 percent of the replacement value\u2014which could come as a surprise should the unexpected occur. For this reason, it can be helpful to regularly review your home insurance policy so you can make any coverage adjustments if you wish to do so. No matter which type and amount of coverage you choose, make sure to buy your home insurance from a trustworthy, experienced provider. For reliable, affordable home insurance, San Diego homeowners know they can trust Altra Insurance Services. We also provide renters, commercial, motorcycle, and auto insurance. San Diego residents can receive a free quote by calling one of our friendly agents today at (800) 719-9972."},{"@type":"BreadcrumbList","@id":"https:\/\/altrainsurance.com\/home-insurance-and-the-80-percent-rule\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/altrainsurance.com\/"},{"@type":"ListItem","position":2,"name":"How Does the 80 Percent Rule for Homeowners Insurance Work?"}]},{"@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\/2021\/07\/80-Rule.jpg","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/4004","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=4004"}],"version-history":[{"count":3,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/4004\/revisions"}],"predecessor-version":[{"id":6985,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/4004\/revisions\/6985"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/media\/4005"}],"wp:attachment":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/media?parent=4004"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/categories?post=4004"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/tags?post=4004"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}