{"id":5094,"date":"2022-07-22T08:00:13","date_gmt":"2022-07-22T08:00:13","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=5094"},"modified":"2023-01-05T11:10:30","modified_gmt":"2023-01-05T11:10:30","slug":"can-i-reduce-my-home-insurance-premiums-by-lowering-my-deductible","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/can-i-reduce-my-home-insurance-premiums-by-lowering-my-deductible\/","title":{"rendered":"\u00bfLos deducibles m\u00e1s bajos reducen las primas de seguro de propietarios de viviendas?"},"content":{"rendered":"

Muchas personas buscan ahorrar dinero en estos d\u00edas. Si es propietario de una vivienda, puede suponer que una forma efectiva de hacerlo es reducir su deducible si prefiere reducir tambi\u00e9n los pagos mensuales de su prima de seguro de vivienda. Sin embargo, en la mayor\u00eda de los casos, los deducibles m\u00e1s bajos generalmente equivalen a primas m\u00e1s altas. A continuaci\u00f3n, repasamos los conceptos b\u00e1sicos de los deducibles del seguro de hogar y qu\u00e9 considerar con las primas relacionadas con su p\u00f3liza.<\/p>\n

Deducibles del seguro de vivienda: conceptos b\u00e1sicos<\/h2>\n

Deducibles del seguro de vivienda: conceptos b\u00e1sicos seguro de hogar<\/a> p\u00f3liza, deber\u00e1 pagar el deducible antes de que la compa\u00f1\u00eda de seguros se haga cargo del resto de los costos. Algunos otros tipos de seguros de hogar, como una p\u00f3liza asociada con cobertura de responsabilidad civil, generalmente no tienen deducibles. Con una p\u00f3liza est\u00e1ndar, hay tres opciones posibles:<\/p>\n

\u2022 Deducible porcentual: en este caso, est\u00e1 pagando un cierto porcentaje de los costos totales por da\u00f1os y reparaciones relacionados con el hogar antes de que su p\u00f3liza de seguro entre en vigencia.
\n\u2022 Deducible de cantidad espec\u00edfica en d\u00f3lares: esto es cuando hay una cantidad espec\u00edfica que debe pagar primero antes de que se cubran el resto de los gastos.
\n\u2022 Deducible dividido: en este caso, hay una combinaci\u00f3n de un monto fijo en d\u00f3lares para ciertos tipos de da\u00f1os en el hogar y un monto porcentual para otros tipos de da\u00f1os.<\/p>\n

Deducibles m\u00e1s altos<\/h2>\n

Si su objetivo principal es reducir los pagos mensuales de su seguro de hogar, deber\u00e1 considerar un deducible m\u00e1s alto. De acuerdo con Insurance.com, el deducible promedio de una p\u00f3liza de seguro de hogar hoy en d\u00eda es de $500. Al aumentar esta cantidad, podr\u00e1 reducir los pagos de su prima. Esta puede parecer una opci\u00f3n naturalmente atractiva, pero hay otros factores a considerar primero, uno de los cuales es su situaci\u00f3n financiera. Si se siente c\u00f3modo financieramente, es m\u00e1s f\u00e1cil absorber m\u00e1s costos iniciales antes de que su p\u00f3liza entre en vigor. Otras situaciones en las que vale la pena considerar un deducible m\u00e1s alto para reducir los pagos mensuales incluyen:<\/p>\n

\u2022 Tiene otros recursos financieros si se producen da\u00f1os inesperados en el hogar
\n\u2022 You’ll likely qualify for a loan to make home repairs if necessary
\n\u2022 You’re struggling financially and lower premiums are more important to you<\/p>\n

Lower Deductibles<\/h2>\n

With a lower deductible, your monthly payments are likely going to be higher. However, this can be beneficial if unexpected home damage could be financially devastating for you. Other situations when higher premiums but lower deductibles can make sense include:<\/p>\n

\u2022 You have an older home
\n\u2022 Vive en un \u00e1rea susceptible a inundaciones y da\u00f1os similares
\n\u2022 Tiene una casa que probablemente sea bastante costosa de reparar<\/p>\n

Otras formas de mantener las primas razonables<\/h2>\n

No necesariamente tiene que aumentar su deducible hasta un punto que ser\u00e1 financieramente riesgoso para usted cuando sea el momento de presentar un reclamo solo para reducir sus primas. Afortunadamente, hay algunas otras cosas que puede hacer que generalmente contribuyen a los ahorros del seguro del hogar, que incluyen:<\/p>\n

\u2022 Ser proactivo sobre el mantenimiento relacionado con el hogar
\n\u2022 Ver si hay opciones de paquetes disponibles
\n\u2022 Actualizar su casa cuando sea posible hacerlo<\/p>\n

Para obtener m\u00e1s informaci\u00f3n sobre deducibles, primas y elegir un seguro de vivienda que se adapte a sus necesidades, llame a los agentes experimentados de Altra Insurance Services. Adem\u00e1s de la cobertura para propietarios de viviendas, ofrecemos una variedad de productos de seguros confiables, que incluyen negocios, inquilinos y seguro de auto. San Diego<\/a> Residents are encouraged to call us today at (619) 404-6311 to learn more about our high-quality service and affordable coverage.<\/p>","protected":false},"excerpt":{"rendered":"

Muchas personas buscan ahorrar dinero en estos d\u00edas. Si es propietario de una vivienda, puede suponer que una forma efectiva de hacerlo es reducir su deducible si prefiere reducir tambi\u00e9n los pagos mensuales de su prima de seguro de vivienda. Sin embargo, en la mayor\u00eda de los casos, los deducibles m\u00e1s bajos generalmente equivalen a primas m\u00e1s altas. A continuaci\u00f3n, repasamos los conceptos b\u00e1sicos... <\/p>\n

Continue reading “Do Lower Deductibles Reduce Homeowners Insurance Premiums?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":5095,"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-5094","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"yoast_head":"\nWill a Lower Deductible Reduce the Premium for Home Insurance?<\/title>\n<meta name=\"description\" content=\"When you\u2019re purchasing homeowners insurance, it\u2019s critical to consider the amount of your deductible. 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