{"id":733,"date":"2019-03-29T09:00:54","date_gmt":"2019-03-29T09:00:54","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=733"},"modified":"2024-05-14T12:22:18","modified_gmt":"2024-05-14T12:22:18","slug":"home-insurance-and-floods","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/home-insurance-and-floods\/","title":{"rendered":"\u00bfEl seguro para propietarios de viviendas cubre los da\u00f1os causados por las inundaciones?"},"content":{"rendered":"

Although you might assume otherwise, flood insurance isn\u2019t automatically obtained through purchasing homeowners insurance. <\/span>due\u00f1os de casa en san diego<\/span><\/a>\u00a0should be aware that flood insurance isn\u2019t mandatory to own in most cases. Since flood damage can happen to anyone, it\u2019s important to understand the scope of this type of coverage. Many have found their homes flooded and were left to foot the entire repair bill on their own. The following points will help you understand typical homeowners insurance coverage and determine whether you need to purchase additional flood insurance.<\/span><\/p>\n

Probablemente cubre desastres relacionados con electrodom\u00e9sticos<\/h2>\n

La mayor\u00eda de los seguros para propietarios de viviendas cubren da\u00f1os a una propiedad por desastres repentinos y accidentales relacionados con electrodom\u00e9sticos en el hogar, incluidas lavadoras rotas, tuber\u00edas rotas y fallas en el calentador de agua. El seguro para propietarios de viviendas no cubrir\u00e1 el costo de un nuevo electrodom\u00e9stico, pero deber\u00eda cubrir los da\u00f1os a sus pisos si no ha sido negligente en mantenerlos. Aunque siempre existe el peligro de que se rompa un electrodom\u00e9stico, puede estar cubierto por da\u00f1os a su hogar si lo mantiene de manera responsable.<\/span><\/p>\n

Probablemente no cubra los da\u00f1os causados por tormentas<\/h2>\n

Si una tormenta atraviesa su techo y amortigua ligeramente su hogar, lo m\u00e1s probable es que est\u00e9 cubierto por el seguro de propietarios, ya que esto se considerar\u00eda da\u00f1o por agua. Cuando el agua llena dos o m\u00e1s acres de tierra normalmente seca, el da\u00f1o por agua se convierte en da\u00f1o por inundaci\u00f3n. Dado que una p\u00f3liza de seguro est\u00e1ndar para propietarios de viviendas no cubre da\u00f1os por inundaci\u00f3n, una tormenta fuerte podr\u00eda f\u00e1cilmente dejarlo sin cobertura y con una gran factura.<\/span><\/p>\n

El seguro contra inundaciones se compra principalmente al gobierno<\/h2>\n

El Programa Nacional de Seguro contra Inundaciones maneja los reclamos est\u00e1ndar de seguro contra inundaciones. El gobierno cubre hasta $250,000 para reparaciones del hogar y $100,000 para posesiones personales perdidas durante una inundaci\u00f3n. Si necesita m\u00e1s cobertura, las entidades de seguros privadas pueden venderle m\u00e1s. Debe tenerse en cuenta que si vive en una zona de inundaci\u00f3n de alto riesgo, debe tener un seguro contra inundaciones. El precio anual de este seguro puede ser de $700 por a\u00f1o si vive en una zona de alto riesgo. Te costar\u00e1 considerablemente menos si vives en un \u00e1rea donde las inundaciones generalmente no ocurren. Dado que el seguro contra inundaciones tarda 30 d\u00edas en entrar en vigencia, es aconsejable comprarlo lo antes posible.<\/span><\/p>\n

El respaldo de alcantarillado no se considera da\u00f1o por inundaci\u00f3n<\/h2>\n

Cuando una alcantarilla regresa a su hogar, generalmente no est\u00e1 cubierto por un seguro contra inundaciones. Debe comprar este tipo de seguro por separado a trav\u00e9s de su proveedor de seguros principal. Aunque un respaldo de alcantarillado puede inundar su hogar, solo est\u00e1 cubierto por el seguro contra inundaciones si result\u00f3 de un incidente de inundaci\u00f3n. Si su l\u00ednea de alcantarillado no funciona por s\u00ed sola, el seguro contra inundaciones no cubrir\u00e1 los da\u00f1os.<\/span><\/p>\n

Make sure to check with your insurance agent so you know exactly what\u2019s covered in the event of flooding or other types of water damage to your home. If you need reliable, <\/span>affordable car insurance National City<\/span><\/a>, call on the experienced, trustworthy professionals at Altra Insurance Services. We can also provide you with renters, commercial, and seguro de auto. San Diego Los propietarios pueden obtener m\u00e1s informaci\u00f3n sobre nuestro servicio personal de alta calidad llam\u00e1ndonos hoy al 619-474-6666.<\/span><\/span><\/p>","protected":false},"excerpt":{"rendered":"

Although you might assume otherwise, flood insurance isn\u2019t automatically obtained through purchasing homeowners insurance. San Diego homeowners\u00a0should be aware that flood insurance isn\u2019t mandatory to own in most cases. Since flood damage can happen to anyone, it\u2019s important to understand the scope of this type of coverage. Many have found their homes flooded and were … <\/p>\n

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