{"id":470,"date":"2018-12-24T09:00:11","date_gmt":"2018-12-24T09:00:11","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=470"},"modified":"2023-01-05T12:52:58","modified_gmt":"2023-01-05T12:52:58","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

Las fuertes lluvias y otras condiciones clim\u00e1ticas extremas pueden hacer que una casa se llene r\u00e1pidamente de agua y da\u00f1e las paredes, el piso, los muebles y la estructura. El seguro contra inundaciones generalmente debe comprarse adem\u00e1s de <\/span>seguro de vivienda San Diego<\/span><\/a>. Los propietarios deben saber que este seguro debe comprarse a trav\u00e9s del Programa Nacional de Seguro contra Inundaciones. Muchas personas que no viven en zonas costeras o zonas inundables creen que este tipo de seguro no se aplica a su situaci\u00f3n. Sin embargo, la Agencia Federal para el Manejo de Emergencias (FEMA) estima que el 20 por ciento de las inundaciones ocurren en \u00e1reas de inundaci\u00f3n de moderado a bajo riesgo.<\/span><\/p>\n

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

Para aquellos que manejan negocios fuera de sus hogares, es importante saber que la mayor\u00eda de las pol\u00edticas est\u00e1ndar no cubren activos comerciales valiosos, incluidas las listas de clientes patentados, los equipos comerciales y las estructuras separadas que no figuran espec\u00edficamente en la pol\u00edtica. Se puede agregar una cl\u00e1usula adicional a una p\u00f3liza actual, o se puede comprar un plan de seguro comercial por separado para cubrir el robo y la p\u00e9rdida de art\u00edculos relacionados con el negocio.<\/span><\/p>\n

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

Cuando cae una gran cantidad de lluvia en un per\u00edodo corto, el suelo no puede absorber inmediatamente toda el agua. El exceso de agua se acumula bajo tierra y debajo de los pisos del s\u00f3tano. Una bomba de sumidero est\u00e1 dise\u00f1ada para eliminar esta agua subterr\u00e1nea antes de que inunde el s\u00f3tano y cause da\u00f1os por agua y moho. Aunque no es est\u00e1ndar en los planes, muchas compa\u00f1\u00edas ofrecen cobertura adicional para protegerse contra los problemas de la reserva de agua.<\/span><\/p>\n

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

La mayor\u00eda de las p\u00f3lizas de seguro cubren objetos de valor y objetos de colecci\u00f3n hasta un valor de $1,000 y efectivo hasta $200. Las familias que tienen dinero en efectivo, objetos de valor y objetos de colecci\u00f3n en su hogar en exceso de estas cantidades no tienen cobertura adecuada. Los art\u00edculos de gran valor, como plata, monedas, reliquias, armas de fuego, obras de arte y joyas pueden exceder esta cobertura. El seguro de "propiedad personal valiosa" se puede comprar o agregar a un plan de p\u00f3liza existente para cubrir objetos de valor. Poner joyas finas, dinero en efectivo y monedas en una caja fuerte a prueba de fuego ofrece protecci\u00f3n adicional.<\/span><\/p>\n

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

Con el tiempo, la tierra cambia y las casas se "asientan", lo que puede causar grietas en los cimientos. Estas grietas eventualmente pueden conducir a grietas en las paredes y da\u00f1os estructurales. Obtener una inspecci\u00f3n antes de comprar una casa es esencial para que pueda buscar grietas en los cimientos. La mayor\u00eda de las p\u00f3lizas de seguro excluyen el da\u00f1o a la casa por grietas, abultamientos, asentamientos o encogimiento en las paredes o cimientos, y tampoco tienen una cobertura adicional o adicional para grietas o asentamientos de cimientos, por lo que evitar este tipo de hogares es esencial.<\/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 chula vista<\/span><\/a>. Local 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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