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<style scoped>.tdi_17,.tdi_17 .tdc-columns{min-height:0}.tdi_17,.tdi_17 .tdc-columns{display:block}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:table}@media (max-width:767px){.tdi_17,.tdi_17 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:none}@media (min-width:768px){.tdi_17{margin-left:-0px;margin-right:-0px}.tdi_17 .tdc-row-video-background-error,.tdi_17>.vc_column,.tdi_17>.tdc-columns>.vc_column{padding-left:0px;padding-right:0px}}}@media (max-width:767px){.tdi_17{padding-top:5px!important;padding-bottom:5px!important;position:relative}}</style>
<div class="tdi_16_rand_style td-element-style" ><style>@media (max-width:767px){.tdi_16_rand_style{background-color:#00456e!important}}</style></div><div class="vc_column tdi_19  wpb_column vc_column_container tdc-column td-pb-span3">
<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 30, 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" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
<style>.tdb_module_header{width:100%;padding-bottom:0}.tdb_module_header .td-module-container{display:flex;flex-direction:column;position:relative}.tdb_module_header .td-module-container:before{content:'';position:absolute;bottom:0;left:0;width:100%;height:1px}.tdb_module_header .td-image-wrap{display:block;position:relative;padding-bottom:70%}.tdb_module_header .td-image-container{position:relative;width:100%;flex:0 0 auto}.tdb_module_header .td-module-thumb{margin-bottom:0}.tdb_module_header .td-module-meta-info{width:100%;margin-bottom:0;padding:7px 0 0 0;z-index:1;border:0 solid #eaeaea;min-height:0}.tdb_module_header .entry-title{margin:0;font-size:13px;font-weight:500;line-height:18px}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date,.tdb_module_header .td-module-comments{vertical-align:text-top}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date{top:3px}.tdb_module_header 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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:-11668px;width:1091px;'>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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<style>.tdb_title{margin-bottom:19px}.tdb_title.tdb-content-horiz-center{text-align:center}.tdb_title.tdb-content-horiz-center .tdb-title-line{margin:0 auto}.tdb_title.tdb-content-horiz-right{text-align:right}.tdb_title.tdb-content-horiz-right .tdb-title-line{margin-left:auto;margin-right:0}.tdb-title-text{display:inline-block;position:relative;margin:0;word-wrap:break-word;font-size:30px;line-height:38px;font-weight:700}.tdb-first-letter{position:absolute;-webkit-user-select:none;user-select:none;pointer-events:none;text-transform:uppercase;color:rgba(0,0,0,0.08);font-size:6em;font-weight:300;top:50%;-webkit-transform:translateY(-50%);transform:translateY(-50%);left:-0.36em;z-index:-1;-webkit-text-fill-color:initial}.tdb-title-line{display:none;position:relative}.tdb-title-line:after{content:'';width:100%;position:absolute;background-color:var(--td_theme_color,#4db2ec);top:0;left:0;margin:auto}.tdb-single-title .tdb-title-text{font-size:41px;line-height:50px;font-weight:400}.tdi_69 .tdb-title-text{color:#000000;font-family:Merriweather Sans!important;font-size:35px!important;line-height:1.4!important;font-weight:700!important}.tdi_69 .tdb-add-text{color:#000000;font-family:Merriweather Sans!important}.tdi_69 .tdb-title-line:after{height:2px;bottom:40%;background:#000000}.tdi_69 .tdb-title-line{height:50px}.td-theme-wrap .tdi_69{text-align:left}.tdi_69 .tdb-first-letter{left:-0.36em;right:auto;font-family:Merriweather Sans!important}@media (min-width:768px) and (max-width:1018px){.tdi_69 .tdb-title-text{font-size:27px!important}}@media (max-width:767px){.tdi_69 .tdb-title-text{font-size:25px!important}}</style><div class="tdb-block-inner td-fix-index"><h1 class="tdb-title-text">El seguro de automóvil no cubrirá los artículos robados de los vehículos (pero esto lo hará)</h1><div></div><div class="tdb-title-line"></div></div></div><div class="td_block_wrap tdb_single_featured_image tdi_70 tdb-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_70" >
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<p>Cuando su automóvil fue destrozado y su billetera, las lentes de sol, el teléfono celular y otros artículos fueron robados del transporte, Nichole Richardson pensó que su póliza de seguro de automóvil lo cubriría. Sin incautación, a posteriori de mucho de ida y reverso con su aseguradora, aprendió que el seguro de automóvil no se aplica a la propiedad robada. </p>
<p>&#8220;Estaba muy sorprendido y conmocionado&#8221;, dice Richardson, cuyo nombre fue cambiado para proteger su privacidad. &#8220;Pensé que la cobertura completa significaba &#8230; bueno, <em>harto </em>cobertura.&#8221;</p>
<p>Resulta que tenía cobertura para los artículos tomados de su transporte, pero fue a través de su seguro de hogar. </p>
<p>&#8220;Durante tres meses, solo estoy arrancándome el cabellera y tengo que sufragar dos deducibles por una situación&#8221;, dice Richardson. &#8220;() Fue una gran revelación para mí&#8221;. </p>
<p>La historia de Richardson no es única. De hecho, un estudio nuevo de Trusted Choice lo demuestra. Aproximadamente del 86 por ciento de los asegurados afirman tener una sólida comprensión de lo que cubre su seguro, pero cuando se les hizo preguntas de cobertura específicas, muchos eran incorrectos o inseguros. Cuarenta y cuatro por ciento cree que los artículos robados de los vehículos están cubiertos por una póliza de seguro de automóvil, lo cual es incorrecto. Las políticas domésticas, anejo con inquilinos y políticas de condominios, cubren artículos robados de vehículos. El seguro es una útil integral para proteger su mosca yeguada, pero malentendiendo lo que sus cubiertas de póliza podrían costarle. Estas son algunos de los conceptos erróneos más comunes sobre qué pólizas de seguro de hogar y automóvil <em>de hecho </em>cubrir.</p>
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<h3 class="heading-3 my-0 text-crop-none text-blue-700">
<p>    Conceptos erróneos de cobertura de seguro<br />
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<li aria-level="1">El 56% de los asegurados desconocen que el seguro de hogar standard no cubre las inundaciones. <i>(Referéndum de confianza)</i>
</li>
<li aria-level="1">El 70% desconoce que una póliza de seguro de hogar standard no cubra materiales o accesorios que se instalen durante las renovaciones. <i>(Referéndum de confianza)</i>
</li>
<li aria-level="1">El 55% desconoce que una póliza de seguro de automóvil standard excluya el uso comercial del transporte. <i>(Referéndum de confianza)</i>
</li>
<li aria-level="1">El 57% desconoce que los boletos de estacionamiento no suelen afectar su prima de seguro de automóvil. <i>(Referéndum de confianza)</i>
</li>
<li aria-level="1">Solo 1 de cada 4 adultos Gen-Z puede especificar &#8220;deducible&#8221; y &#8220;copago&#8221;. <i>(</i><i>Asociación Franquista de Comisionados de Seguros</i><i>)</i>
</li>
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<h2><strong>Los conceptos erróneos más comunes sobre el seguro</strong></h2>
<p>Familiarizarse con las limitaciones de la póliza de seguro de su automóvil y hogar podría evitar que se sumerja en su propio saquillo para sufragar pérdidas o daños. A continuación, hemos reunido algunos de los mitos de seguro más comunes y formas de arreglar las brechas de cobertura. </p>
<h3><strong>No tiene automáticamente seguro contra inundaciones</strong></h3>
<p><strong>Mito</strong>:<strong> </strong>El seguro de hogar cubre inundaciones. </p>
<p><strong>Hecho</strong>: El daño por inundación se excluye de las políticas standard. </p>
<p><strong>Arreglar</strong>: Compre una póliza de seguro de inundación separada a través del Software Franquista de Seguro de Inundaciones (NFIP) o un proveedor privado. </p>
<p>Aunque las inundaciones son el tipo de desastre natural más frecuente, el daño por inundaciones no estará cubierto por su póliza de seguro de hogar. La única forma de ampararse financieramente de una inundación es arrostrar una póliza de seguro contra inundaciones, que puede comprar en el NFIP respaldado por el gobierno o a través de una compañía de seguros privado. </p>
<p>Las políticas de NFIP tienen un coto de $ 250,000 en cobertura de vivienda y $ 100,000 para propiedad personal. En promedio, una política de la NFIP le costará en torno a de $ 800 por año. Si necesita límites de cobertura más altos que las ofertas de NFIP, podría considerar obtener su póliza de un proveedor privado. Sin incautación, los límites de cobertura más altos generalmente dan como resultado tasas más altas.</p>
<h3><strong>El seguro de la casa no siempre cubre tuberías de ráfaga </strong></h3>
<p><strong>Mito</strong>: Cuando estalla una tubería, la política de mis propietarios cubrirá el daño. </p>
<p><strong>Hecho</strong>: El seguro de la casa cubre daños repentinos y accidentales de agua, no daños derivados de la negligencia. Si un ajustador encuentra que la tubería estalló conveniente a la negligencia del propietario o el mantenimiento inadecuado, se puede desmentir su propaganda. </p>
<p><strong>Arreglar</strong>: Tome medidas para persistir sus tuberías. Haz que un plomero lo revise si sospecha que poco está mal y considera que las tuberías aislantes son propensas a la congelación. Cuando salga de casa durante un período más espléndido durante los meses de invierno, mantenga su calor lo suficientemente suspensión como para que sus tuberías no se congelen y estallaran. </p>
<p>El daño por agua es una especie de campo de acción aburrido en el seguro de hogar. Si perfectamente las inundaciones y las copias de seguridad de alcantarillado no están cubiertas, se incluye daños de agua repentinos y accidentales, como lo que vería con una tubería de ráfaga, se incluye en su política. Pero, hay una advertencia importante: el daño por agua solo está cubierto si un propietario toma los pasos adecuados para persistir su hogar. </p>
<p>Si, por ejemplo, deja su casa para un alucinación de esquí de fin de semana, apague el calor y regrese a una pipa de ráfaga, esto podría encontrarse como una negligencia del propietario, y su aseguradora probablemente negaría su propaganda. </p>
<p>El seguro siquiera cubrirá tuberías con fugas, incluso si esas tuberías con fugas conducen a una arranque. Recuerde, el seguro para el hogar cubre daños repentinos en agua, no cosas que se han acumulado con el tiempo. </p>
<h3><strong>El seguro de automóvil generalmente sigue el automóvil, sin importar el conductor</strong></h3>
<p><strong>Mito</strong>: Cuando pide prestado el automóvil de otra persona, su póliza de seguro de automóvil lo cubre. </p>
<p><strong>Hecho</strong>: Cuando pide prestado el automóvil de otra persona, está cubierto principalmente por su póliza de seguro de automóvil, no la suya. </p>
<p><strong>Arreglar</strong>: Ayer de ponerse al volante, pregúntele a su amigo sobre los detalles de su póliza de seguro de automóvil. </p>
<p>Técnicamente hablando, las pólizas de seguro de automóvil siguen al automóvil, no al conductor. Entonces, si está tomando prestado el utilitario de un amigo y entra en un desnivel, la política de su amigo se activará primero para cubrir el daño resultante. En el caso de un desnivel trascendental que agota los límites de la póliza de seguro de automóvil de su amigo, su póliza de seguro de automóvil ayudará a cubrir los gastos pendientes. </p>
<p>En particular, si la póliza de seguro de automóvil de su amigo cubre todo el costo del desnivel, su compañía de seguros puede ir a la suya para cobrar daños. De cualquier forma, la prima de seguro de su amigo podría aumentar al renovar, ya que su transporte ya no está dispensado de incidentes. Sin incautación, conveniente a que usted era el conductor culpable, es probable que vea un recargo de póliza más pronunciado y mayores gastos de seguro durante abriles. </p>
<h3><strong>Estás cubierto en un coche de locación</strong></h3>
<p><strong>Mito</strong>: Cuando conduzco un utilitario de locación, necesito comprar un seguro de la compañía de locación. </p>
<p><strong>Hecho</strong>: Su póliza de seguro de automóvil personal lo cubre en un automóvil de locación, pero en algunos escenarios, es posible que desee comprar cobertura adicional. </p>
<p><strong>Arreglar</strong>: Revise su política y familiarícese con sus tipos de cobertura y límites. Si tiene límites de responsabilidad más bajos y carece de cobertura integral y de colisión, considere unir cobertura a través de la compañía de locación. </p>
<p>Los autos de locación son la excepción a la regla de que las pólizas de seguro siguen al automóvil, no al conductor. Cuando conduce un automóvil de locación para uso personal, no de negocios,, debe estar cubierto por su política. Pero si alquila un automóvil para un alucinación de trabajo o mientras viaja al extranjero, su póliza no lo cubrirá. </p>
<p>Si tiene una cobertura total, lo que significa que tiene un seguro integral y de colisión, es probable que no necesite comprar más cobertura de la compañía de locación de automóviles. Una excepción podría ser una exención de daño por colisión. Si agrega este tipo de cobertura, está fuera del encanto para sufragar las reparaciones relacionadas con el desnivel de un transporte de locación, excluyendo el deducible. En muchos casos, el deducible de la exención de daños por colisión es de en torno a de $ 500, mientras que su deducible de política personal podría ser mucho más entrada. Por lo tanto, unir la exención de daños por colisión podría ayudar a estrechar sus costos de saquillo si tiene un desnivel. </p>
<h3><strong>No todas las pólizas de seguro de automóvil cubren robo </strong></h3>
<p><strong>Mito</strong>: Si tengo un seguro de automóvil, estoy cubierto si mi transporte es robado. </p>
<p><strong>Hecho</strong>: El seguro de automóvil de solo responsabilidad civil no cubre el robo. Para estar protegido financieramente si su transporte es robado, necesitará una cobertura integral. </p>
<p><strong>Arreglar</strong>: Sumar cobertura integral, que se incluye en las políticas de cobertura completa, puede ayudar si su transporte es robado o destrozado. </p>
<p>La ley no requiere cobertura integral en ningún estado. Sin incautación, sin él, no tiene suerte si su transporte es robado: el seguro no lo cubrirá. Tenga en cuenta que si está financiando su automóvil, es probable que esté a ileso. Los prestamistas y los arrendadores generalmente requieren una cobertura integral como término del préstamo o arrendamiento.</p>
<h3><strong>Su póliza de seguro de automóvil excluye el uso comercial </strong></h3>
<p><strong>Mito</strong>: Si uso mi transporte para un propósito comercial y tengo un desnivel, estoy cubierto por mi política de automóvil personal. </p>
<p><strong>Hecho</strong>: Cuando usa su transporte por una razón comercial, tal vez sea un agente inmobiliario que lleva a un cliente a un nuevo hogar, y usted tiene un desnivel, no está cubierto por su política de automóvil personal. Es posible que deba sufragar por daños de su saquillo. </p>
<p><strong>Arreglar</strong>: Si ocasionalmente usa su transporte para fines laborales, verifique si su compañía de seguros ofrece lo que se apasionamiento un respaldo de uso comercial. O, si usa con frecuencia su automóvil para el trabajo, pregúntele a su empleador sobre su política de automóvil comercial. </p>
<p>Cuando viaja a una oficina, está cubierto por su póliza de seguro de automóvil personal. Sin incautación, cuando realiza recados comerciales, como conocer a clientes o proveedores, su política personal puede no cubrirlo. Por lo tanto, si usted está trasero a cierto mientras conduce al refrigerio de un cliente, es probable que esté en el encanto para gastos relacionados con accidentes. </p>
<p>Los agentes inmobiliarios, los contratistas y otros profesionales que utilizan con frecuencia sus vehículos personales, no los automóviles comerciales o de trabajo designados, para fines comerciales, pueden considerar un respaldo de uso comercial para certificar que estén cubiertos, sin importar la razón por la que están en la carretera. </p>
<h3><strong>Estás cubierto por Uber o Lyft  </strong></h3>
<p><strong>Mito</strong>: Cuando conduzco por Uber, Lyft u otra compañía de viajes compartidos, estoy completamente cubierto por la póliza de seguro de esa compañía. </p>
<p><strong>Hecho</strong>: Cuando enciende su aplicación de alucinación compartido pero aún no tiene un pasajero en su transporte, no está cubierto por su política personal o la política comercial de la compañía de viajes compartidos.</p>
<p><strong>Arreglar</strong>: Sumar un respaldo de alucinación compartido puede ayudar a satisfacer el malogrado donde termina su política personal y comienza la política comercial. </p>
<p>Piense en la conducción de viajes compartidos en múltiples fases: </p>
<ul>
<li>
<strong>Escalón 1:</strong> Estás en tu utilitario con la aplicación de alucinación compartido, buscando un pasajero.</li>
<li>
<strong>Escalón 2:</strong> Aceptas un nuevo pasajero y conduces para recogerlos.</li>
<li>
<strong>Escalón 3: </strong>El pasajero está en su transporte y los lleva a su destino. </li>
</ul>
<p>Una vez que tenga un pasajero en su transporte (escalón 3), generalmente está cubierto por la política comercial de la compañía de viajes compartidos. Pero, cuando está en el temporalizador en rebusca de un pasajero (escalón 1) o en el camino para designar uno (escalón 2), qué política cubre lo que está menos claro. Si tiene un desnivel durante ese tiempo, es posible que no esté cubierto por ninguna de las políticas. Sumar un respaldo de alucinación compartido puede aumentar los costos de su seguro de automóvil, pero la protección financiera adicional puede conllevar la pena para algunos conductores. </p>
<h2 data-beam-element-viewed="" data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Insurance, Car Insurance" data-position="h2_second_placement" data-name="h2_second_placement" data-text="Her wallet was stolen from her vehicle, but auto insurance didn’t cover it — here’s why" data-outcome=""><strong>Final</strong></h2>
<p>Al darse cuenta de las limitaciones de su hogar y pólizas de seguro de automóvil es crucial para evitar gastos inesperados de saquillo. Para remediar las brechas en la cobertura, los expertos recomiendan revisar su póliza cuidadosamente y cuchichear con su proveedor de seguros para comprender completamente su cobertura y hacer los ajustes necesarios.</p>
</p></div>
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-01-29T10:27:34+00:00" >January 29, 2026</time></span>                                                                                                        </span>
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                        <a href="https://financesnewsonline.com/category/seguros" class="td-post-category" >Seguros</a>                        <div class="td-module-thumb"><a href="https://financesnewsonline.com/por-que-el-seguro-para-conductores-adolescentes-tiene-un-promedio-de-5700-al-ano"  rel="bookmark" class="td-image-wrap " title="Por qué el seguro para conductores adolescentes tiene un promedio de $5,700 al año" ><span class="entry-thumb td-thumb-css" data-type="css_image" data-img-url="https://i1.wp.com/www.bankrate.com/brp/2026/01/23143159/Teen-driver-insurance-costs-are-surging-%E2%80%94-and-one-overlooked-policy-detail-may-be-costing-parents-more.png?w=696&resize=696,0&ssl=1"  ></span></a></div>                                                                    </div>
                
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                    <h3 class="entry-title td-module-title"><a href="https://financesnewsonline.com/por-que-el-seguro-para-conductores-adolescentes-tiene-un-promedio-de-5700-al-ano"  rel="bookmark" title="Por qué el seguro para conductores adolescentes tiene un promedio de $5,700 al año">Por qué el seguro para conductores adolescentes tiene un promedio de...</a></h3>
                    
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                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-01-27T18:20:06+00:00" >January 27, 2026</time></span>                                                                                                        </span>
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<!-- sc5a72ec-3dd082 -->

<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>
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