{"id":452,"date":"2018-12-10T09:00:22","date_gmt":"2018-12-10T09:00:22","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=452"},"modified":"2023-01-05T12:24:20","modified_gmt":"2023-01-05T12:24:20","slug":"why-you-need-renters-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/why-you-need-renters-insurance\/","title":{"rendered":"\u00bfRealmente necesita un seguro para inquilinos?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Como inquilino, ya paga el alquiler, los servicios p\u00fablicos y posiblemente otras tarifas, como dep\u00f3sitos por mascotas y tarifas de estacionamiento. Si bien agregar otro gasto a su presupuesto mensual puede no parecer muy emocionante, un <\/span><span style=\"font-weight: 400;\">el seguro para inquilinos<\/span><span style=\"font-weight: 400;\"> policy offers valuable protection at a low price. Just as you probably wouldn&#8217;t own a home without the protection of <\/span><a href=\"https:\/\/altrainsurance.com\/homeownwers-insurance-san-diego\/\"><span style=\"font-weight: 400;\">Seguro para propietarios de casas<\/span><\/a>, you shouldn&#8217;t<span style=\"font-weight: 400;\"> rent without coverage.\u00a0<\/span>Here\u2019s the importance of renters insurance San Diego residents often neglect.<\/p>\n<h2>La p\u00f3liza de su arrendador no lo cubre<\/h2>\n<p><span style=\"font-weight: 400;\">Si cuenta con el seguro de su arrendador para cubrirlo si algo le sucede a sus pertenencias, se encontrar\u00e1 con una sorpresa desagradable. La p\u00f3liza de seguro de su arrendador cubre todo lo que posee el arrendador, incluido el edificio, los accesorios y cualquier propiedad personal que el arrendador tenga en el edificio. Si hay un incendio, robo, da\u00f1os por agua o cualquier otro evento cubierto, solo una p\u00f3liza de inquilinos pagar\u00e1 los da\u00f1os a sus pertenencias.<\/span><\/p>\n<h2>No solo cubre tus pertenencias<\/h2>\n<p><span style=\"font-weight: 400;\">El seguro para inquilinos cubre su propiedad personal contra p\u00e9rdidas cubiertas tales como incendio, robo y da\u00f1os por agua. Junto con la cobertura de propiedad personal, una p\u00f3liza para inquilinos tambi\u00e9n puede cubrir propiedad programada de alto valor, como joyas, gastos de subsistencia si su casa es inhabitable despu\u00e9s de una p\u00e9rdida cubierta y cobertura de responsabilidad si es demandado.<\/span><\/p>\n<h2>La cobertura de responsabilidad civil est\u00e1 incluida<\/h2>\n<p><span style=\"font-weight: 400;\">Si alguien resulta herido en su hogar, tanto usted como el propietario pueden ser legalmente responsables de las lesiones de la persona. De hecho, la persona que ocupa la propiedad generalmente se hace responsable de las lesiones en el hogar, no el propietario. Una p\u00f3liza de seguro para inquilinos incluye cobertura de responsabilidad civil que lo ayuda a pagar los gastos legales, los gastos m\u00e9dicos y otros da\u00f1os si es demandado. La mayor\u00eda de las p\u00f3lizas vienen con $100,000 en protecci\u00f3n contra reclamos de responsabilidad, incluidos reclamos que involucran mordeduras de perros, accidentes por resbalones y ca\u00eddas, y m\u00e1s.<\/span><\/p>\n<h2>El seguro para inquilinos es asequible<\/h2>\n<p><span style=\"font-weight: 400;\">Debido a que la casa en s\u00ed no est\u00e1 cubierta por un seguro para inquilinos, una p\u00f3liza para inquilinos es asequible y generalmente cuesta solo $10 a $20 por mes, en comparaci\u00f3n con m\u00e1s de $80 por mes para el seguro de propietarios. Por el costo de dos lattes o una entrega de pizza, puede protegerse contra los riesgos reales de incendio, robo y m\u00e1s con una p\u00f3liza de seguro integral para inquilinos. Imagine lo que suceder\u00eda si otro inquilino accidentalmente iniciara un incendio en su unidad que se extendiera a su hogar. Con una p\u00f3liza de seguro para inquilinos, puede disfrutar de la tranquilidad de saber que estar\u00e1 cubierto por sus pertenencias y tendr\u00e1 un lugar donde vivir mientras se repara el edificio.<\/span><\/p>\n<h2>Su arrendador puede requerirlo<\/h2>\n<p><span style=\"font-weight: 400;\">No deber\u00eda tener dificultades para encontrar un propietario dispuesto a alquilarle sin seguro, pero cada vez es m\u00e1s com\u00fan que los propietarios exijan que los inquilinos tengan una cantidad m\u00ednima de cobertura de seguro. Como condici\u00f3n de su contrato de arrendamiento, es posible que deba llevar una cantidad espec\u00edfica de propiedad personal y cobertura de responsabilidad personal. Su arrendador tambi\u00e9n puede requerir que \u00e9l o ella sea nombrado como el asegurado secundario en la propiedad como el propietario legal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si est\u00e1 alquilando, no asuma que la p\u00f3liza de seguro de su arrendador cubre su propiedad o asume responsabilidad por accidentes en su hogar. Aseg\u00farese de comprar un seguro para inquilinos que cubra la p\u00e9rdida o el da\u00f1o a sus pertenencias y lo proteja en caso de reclamos de responsabilidad civil derivados de lesiones en su hogar. Para un seguro de inquilino asequible y confiable, as\u00ed como otros tipos de cobertura, como motocicletas y <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-chula-vista\/\"><span style=\"font-weight: 400;\">seguro de auto chula vista<\/span><\/a>.<span style=\"font-weight: 400;\"> Local residents trust the experienced agents at Altra Insurance Services. Call us today at<\/span> <span style=\"font-weight: 400;\">(800) 719-9972 para solicitar un presupuesto gratuito para cualquiera de sus necesidades de seguro.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Como inquilino, ya paga el alquiler, los servicios p\u00fablicos y posiblemente otras tarifas, como dep\u00f3sitos por mascotas y tarifas de estacionamiento. Si bien agregar otro gasto a su presupuesto mensual puede no parecer muy emocionante, una p\u00f3liza de seguro para inquilinos ofrece una valiosa protecci\u00f3n a un precio bajo. As\u00ed como probablemente no ser\u00eda due\u00f1o de una casa sin la protecci\u00f3n de ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/why-you-need-renters-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Do You Really Need Renter&#8217;s Insurance?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":460,"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-452","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>Reasons to Buy Renters Insurance | Altra Insurance<\/title>\n<meta name=\"description\" content=\"Many renters think they don&#039;t need insurance because they don&#039;t own their homes, but that isn&#039;t true. 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Here's why renters insurance is essential.","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\/why-you-need-renters-insurance\/","og_locale":"es_ES","og_type":"article","og_title":"Reasons to Buy Renters Insurance | Altra Insurance","og_description":"Many renters think they don't need insurance because they don't own their homes, but that isn't true. Here's why renters insurance is essential.","og_url":"https:\/\/altrainsurance.com\/es\/why-you-need-renters-insurance\/","og_site_name":"ALTRA INSURANCE","article_published_time":"2018-12-10T09:00:22+00:00","article_modified_time":"2023-01-05T12:24:20+00:00","og_image":[{"width":525,"height":350,"url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/12\/Renters-Insurance.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\/why-you-need-renters-insurance\/#article","isPartOf":{"@id":"https:\/\/altrainsurance.com\/why-you-need-renters-insurance\/"},"author":{"name":"Altra Insurance","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"headline":"Do You Really Need Renter&#8217;s Insurance?","datePublished":"2018-12-10T09:00:22+00:00","dateModified":"2023-01-05T12:24:20+00:00","mainEntityOfPage":{"@id":"https:\/\/altrainsurance.com\/why-you-need-renters-insurance\/"},"wordCount":607,"commentCount":0,"image":{"@id":"https:\/\/altrainsurance.com\/why-you-need-renters-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/12\/Renters-Insurance.jpg","articleSection":["Renters Insurance"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/altrainsurance.com\/why-you-need-renters-insurance\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/altrainsurance.com\/why-you-need-renters-insurance\/","url":"https:\/\/altrainsurance.com\/why-you-need-renters-insurance\/","name":"Reasons to Buy Renters Insurance | Altra Insurance","isPartOf":{"@id":"https:\/\/altrainsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/altrainsurance.com\/why-you-need-renters-insurance\/#primaryimage"},"image":{"@id":"https:\/\/altrainsurance.com\/why-you-need-renters-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/12\/Renters-Insurance.jpg","datePublished":"2018-12-10T09:00:22+00:00","dateModified":"2023-01-05T12:24:20+00:00","author":{"@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"description":"Many renters think they don't need insurance because they don't own their homes, but that isn't true. 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