{"id":470,"date":"2018-12-24T09:00:11","date_gmt":"2018-12-24T09:00:11","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=470"},"modified":"2026-10-02T13:01:49","modified_gmt":"2026-10-02T13:01:49","slug":"what-homeowners-insurance-doesnt-cover","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/what-homeowners-insurance-doesnt-cover\/","title":{"rendered":"5 cosas que el seguro para propietarios de viviendas no cubrir\u00e1"},"content":{"rendered":"

Muchos propietarios creen err\u00f3neamente que cuando compran un seguro para su hogar, todo est\u00e1 cubierto. Sin embargo, este no es el caso. Aunque los diferentes planes de seguro var\u00edan seg\u00fan el plan o la compa\u00f1\u00eda, la mayor\u00eda de las compa\u00f1\u00edas generalmente no ofrecen seguro para las siguientes cinco cosas.<\/span><\/p>\n

1. Inundaciones<\/h2>\n

Heavy rain<\/a><\/strong> and other extreme weather can cause a home to quickly fill with water, leading to damage to the walls, flooring, furniture, and structure. Flood insurance typically has to be purchased in addition to <\/span>seguro de vivienda en San Diego<\/span><\/a>. Homeowners should be aware that this insurance has to be bought through the National Flood Insurance Program. Many people who don’t live in coastal areas or flood zones believe this type of insurance doesn’t apply to their situation. However, the Federal Emergency Management Agency (FEMA) estimates that 20 percent of floods occur in moderate to low-risk flood areas.<\/span><\/p>\n

2. Equipos y estructuras comerciales<\/h2>\n

For those running businesses out of their homes, it’s important to know that most standard policies don’t cover valuable business assets, including proprietary client lists, business equipment, and separate structures that aren’t specifically listed on the policy. A rider can be added to a current policy, or a separate business insurance plan<\/a><\/strong> can be purchased to cover theft and loss of business-related items.<\/span><\/p>\n

3. Respaldo de agua y \/ o desbordamiento de la bomba de sumidero<\/h2>\n

When a large amount of rain falls in a short period, the ground can’t immediately absorb all of the water. The excess water collects underground and below basement floors. A sump pump is designed to remove this subsurface water before it floods the basement and causes water damage and mold<\/a><\/strong>. Though it isn’t standard in plans, many companies do offer additional coverage to protect against water backup problems.<\/span><\/p>\n

4. Efectivo, objetos de valor y coleccionables<\/h2>\n

Most insurance policies cover valuables and collectibles up to a $1,000 value and cash up to $200. Families who have cash, valuables, and collectibles in their home in excess of these amounts don\u2019t have adequate coverage. Highly valuable items, such as silver, coins, heirlooms, firearms, fine art, and jewelry, may exceed this coverage. \u201cValuable personal property\u201d insurance may be purchased or added to an existing policy plan to cover valuables. Putting fine jewelry, cash, and coins in a fireproof safe offers additional protection.<\/span><\/p>\n

5. Grietas en la base debido al asentamiento<\/h2>\n

With time, the earth shifts and houses “settle,” which can cause cracks in the foundation. These cracks can eventually lead to cracks in the walls and structural damage. Getting an inspection before buying a home is essential so you can look for foundation cracks. Most insurance policies exclude damage to the home from cracking, bulging, settling, or shrinking in the walls or foundation, and they don’t have an add-on or rider coverage for foundation cracks or settling either, so avoiding these types of homes is essential.<\/span><\/p>\n

Si es due\u00f1o de una casa o est\u00e1 considerando comprar una, t\u00f3mese el tiempo para comprender exactamente qu\u00e9 cubre y qu\u00e9 no cubre su p\u00f3liza de seguro para propietarios de viviendas. Podr\u00eda ahorrarle mucho tiempo y angustia. Los amables profesionales de Altra Insurance Services estar\u00e1n encantados de ayudarle a examinar su p\u00f3liza actual y determinar si tiene la cobertura que necesita. Tambi\u00e9n podemos ayudarlo con seguros para inquilinos, seguros comerciales y seguros para motocicletas y <\/span>seguro de auto en Chula Vista<\/span><\/a>. Residents should call one of our friendly agents today at (800) 719-9972.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Muchos propietarios creen err\u00f3neamente que cuando compran un seguro para su hogar, todo est\u00e1 cubierto. Sin embargo, este no es el caso. Aunque los diferentes planes de seguro var\u00edan seg\u00fan el plan o la compa\u00f1\u00eda, la mayor\u00eda de las compa\u00f1\u00edas generalmente no ofrecen seguro para las siguientes cinco cosas. 1. Inundaciones Las fuertes lluvias y otras condiciones clim\u00e1ticas extremas pueden hacer que una casa se llene r\u00e1pidamente ... <\/p>\n

Continue reading “5 Things Homeowners Insurance Won’t Cover”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":483,"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-470","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"yoast_head":"\nWhat Is Not Covered Under Homeowners Insurance?<\/title>\n<meta name=\"description\" content=\"If you think your homeowners insurance covers everything, check your policy. 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