{"id":86,"date":"2018-08-13T09:00:50","date_gmt":"2018-08-13T09:00:50","guid":{"rendered":"http:\/\/altrainsurance.com\/?p=86"},"modified":"2018-08-13T09:00:50","modified_gmt":"2018-08-13T09:00:50","slug":"why-buy-home-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/why-buy-home-insurance\/","title":{"rendered":"6 razones por las que debe comprar un seguro para propietarios de viviendas"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Su casa es probablemente la compra m\u00e1s grande que har\u00e1 y su mayor inversi\u00f3n. A\u00fan as\u00ed, es vulnerable a muchos riesgos, incluidos incendios, tormentas severas, inundaciones y robos. Puede ser propietario legal de una casa sin tener un seguro para propietarios de viviendas, pero es probable que su prestamista lo requiera. A\u00fan as\u00ed, hay muchas buenas razones para comprar un <\/span><a href=\"https:\/\/altrainsurance.com\/homeownwers-insurance-san-diego\/\"><span style=\"font-weight: 400;\">Seguro de propietarios de viviendas en San Diego<\/span><\/a><span style=\"font-weight: 400;\"> pol\u00edtica.<\/span><\/p>\n<h2>1. Es requerido por su prestamista<\/h2>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de los prestamistas requieren que los propietarios tengan un seguro para propietarios de viviendas siempre que paguen la hipoteca. El seguro de hogar protege la inversi\u00f3n del banco porque asegura que la casa ser\u00e1 reparada o reemplazada si algo le sucede a la casa.<\/span><\/p>\n<h2>2. Paga los gastos de vida temporal si no puede vivir en su hogar<\/h2>\n<p><span style=\"font-weight: 400;\">Imagine este escenario aterrador: su casa se da\u00f1a en un incendio y ya no es habitable. Usted sabe que su seguro de propietarios pagar\u00e1 para restaurar su hogar, pero ahora no tiene d\u00f3nde vivir por el momento. El seguro para propietarios de vivienda tambi\u00e9n incluye cobertura de &quot;p\u00e9rdida de uso&quot;, lo que significa que su p\u00f3liza pagar\u00e1 por su traslado mientras se repara su vivienda. Se le reembolsar\u00e1n su hotel, comidas y otros gastos de vivienda, generalmente hasta el 20 por ciento de la cobertura de su hogar.<\/span><\/p>\n<h2>3. Te protege de pleitos<\/h2>\n<p><span style=\"font-weight: 400;\">Cuando la mayor\u00eda de la gente piensa en el seguro para propietarios de viviendas, piensa en la cobertura para desastres y robos. Su p\u00f3liza tambi\u00e9n ofrece otra forma valiosa de protecci\u00f3n: cobertura de responsabilidad civil. Si alguien se lesiona en su propiedad, se beneficiar\u00e1 de un seguro de responsabilidad limitada que paga por una defensa legal y los da\u00f1os y gastos m\u00e9dicos de la persona lesionada. Sin un seguro para propietarios de viviendas, usted es personalmente responsable de los da\u00f1os y perjuicios si alguien se cae en su casa o si su perro lo muerde.<\/span><\/p>\n<h2>4. Vale la pena reemplazar sus pertenencias<\/h2>\n<p><span style=\"font-weight: 400;\">El seguro para propietarios de viviendas no solo cubre su hogar. Tambi\u00e9n cubre los contenidos. Si sus pertenencias se da\u00f1an, destruyen o son robadas en una p\u00e9rdida cubierta, como un desastre, incendio o robo, su p\u00f3liza le pagar\u00e1 el costo de reemplazo o el valor real en efectivo de sus pertenencias. Por lo general, tiene una cobertura de propiedad personal de hasta el 70 por ciento del nivel de cobertura en su hogar. Si su hogar est\u00e1 asegurado por $200,000, eso es $140,000 en cobertura de propiedad personal.<\/span><\/p>\n<h2>5. Protege contra robos y robos<\/h2>\n<p><span style=\"font-weight: 400;\">Si su casa es forzada, su seguro de propietario de vivienda le reembolsa el costo de reemplazo o el valor real en efectivo de todos los art\u00edculos que fueron robados de su casa. Su p\u00f3liza tambi\u00e9n cubrir\u00e1 reparaciones o reemplazos de cualquier art\u00edculo que los ladrones rompieron o da\u00f1aron, como una ventana, puerta de entrada o muebles.<\/span><\/p>\n<h2>6. Protege contra la p\u00e9rdida y el da\u00f1o al hogar mismo<\/h2>\n<p><span style=\"font-weight: 400;\">Si su hogar es da\u00f1ado por un desastre natural o provocado por el hombre, incluyendo incendios, granizo y tormentas severas, su p\u00f3liza de seguro pagar\u00e1 por reparar o reemplazar su hogar. Su p\u00f3liza puede proteger contra una amplia variedad de p\u00e9rdidas, como da\u00f1os en el techo debido a un \u00e1rbol ca\u00eddo o tormentas fuertes, un incendio en la cocina, da\u00f1os por granizo en sus tejas y una lavadora que se desborda.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para obtener informaci\u00f3n adicional sobre seguros de hogar, comun\u00edquese con los expertos en seguros de Altra Insurance Services. Tambi\u00e9n ofrecemos inquilinos asequibles y confiables, comerciales, motocicletas y <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de auto en San Diego<\/span><\/a><span style=\"font-weight: 400;\">. Llame al (800) 719-9972 hoy para obtener un presupuesto sin cargo.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Su casa es probablemente la compra m\u00e1s grande que har\u00e1 y su mayor inversi\u00f3n. A\u00fan as\u00ed, es vulnerable a muchos riesgos, incluidos incendios, tormentas severas, inundaciones y robos. Puede ser propietario legal de una casa sin tener un seguro para propietarios de viviendas, pero es probable que su prestamista lo requiera. A\u00fan as\u00ed, hay muchas buenas razones para comprar un San Diego ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/why-buy-home-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;6 Reasons You Should Buy Homeowners Insurance&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":95,"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-86","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>6 Reasons to Purchase Homeowners Insurance<\/title>\n<meta name=\"description\" content=\"Purchasing homeowners insurance isn&#039;t necessarily a 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