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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">Friday, September 18, 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:-10705px;width:1020px;'>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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        <img src="https://www.bankrate.com/brp/2024/06/07102506/ho-2-homeowners-insurance-policies.jpg?auto=webp&amp;optimize=high&amp;crop=16:9" class="featured-img w-full" alt="Una casa" loading="eager" decoding="async" fetchpriority="high" srcset="https://www.bankrate.com/brp/2024/06/07102506/ho-2-homeowners-insurance-policies.jpg?auto=webp&amp;optimize=high&amp;crop=16:9&amp;width=912 912w,
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<p>      Tony Anderson/Getty Images
    </p>
</p></div>
<div>
<div id="db8417b0-ff1c-46ae-8a6f-9898b9cd68b0" class="key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative" style="--accent: var(--color-blue-medium)">
    <!-- htmlmin:ignore --></p>
<h2 class="heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4" id="key-takeaways" data-position="0" data-beam-element-viewed="" data-id="br-h2-0-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Key takeaways" data-outcome="">
    <span class="shrink-0">Control de interruptor</span><br />
        <span class="max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block"></span><br />
    </h2>
<p>    <!-- htmlmin:ignore --></p>
<ul class="flex flex-col text-gray-700 mb-0 gap-2 list-disc">
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Una póliza HO-2 es un tipo de seguro de propietarios que solo cubre los daños causados por peligros específicamente nombrados en su póliza.
                                                </li>
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Un HO-2 generalmente cubre 16 peligros llamados, incluidos el daño por fuego y rayos, tormentas de derrota y granizada, y robo.
                                                </li>
<li class="pl-4 relative marker:text-(--accent)">
<p>                                                            Las políticas de HO-2 pueden ser más baratas ya que ofrecen menos cobertura, pero es posible que se esté abriendo al aventura adicional.
                                                </li>
</ul>
</div>
<p>Al comprar un seguro de hogar, generalmente deberá lanzarse si desea una póliza de seguro de propietarios de viviendas HO-3 unificado o una póliza de seguro de hogar HO-2 HO-2 más limitada. El seguro HO-2 generalmente cuesta un poco menos porque proporciona una cobertura menos extensa. Específicamente, la política cubre la estructura de su hogar, las pertenencias personales y los gastos de vida, pero solo en caso de un peligro llamado. El equipo editorial de seguros de Bankrate explica cuáles son estos peligros y qué se excluye de una póliza HO-2 para ayudarlo a elegir un seguro de hogar que satisfaga sus evacuación.</p>
<p><span id="what-is-ho-2-insurance" data-table-of-contents-category="what-is-ho-2-insurance" aria-hidden="true"></span></p>
<h2 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="What is HO-2 insurance?" data-outcome="">¿Qué es el seguro HO-2?</h2>
<p>Hay cuatro tipos diferentes de seguro disponibles para propietarios tradicionales: HO-1, HO-2, HO-3 y HO-5. Cada tipo de política ofrece diferentes niveles de protección, y los planes con una protección más sólida tienden a costar más. Una política HO-1 ofrece los niveles más bajos de protección. En el otro extremo del espectro está la política HO-5, que le brinda la veterano protección de las diversas formas de cobertura. Sin incautación, cualquier tipo de política generalmente viene con los requisitos que su hogar debe cumplir.</p>
<p>Las políticas de HO-2 son un paso delante de las políticas de HO-1, pero no ofrecen tanta cobertura como un HO-3, que es el tipo más global de póliza de seguro de propietarios de viviendas. Al igual que otras pólizas de seguro de vivienda, el seguro HO-2 se compone de varios tipos de cobertura unificado, que incluyen:</p>
<ul>
<li>
<strong>Cobertura de vivienda:</strong> Cubre la estructura de la casa, como el techo, las paredes, la colchoneta y cualquier artículo adjunto, como una cubierta o aparcamiento.</li>
<li>
<strong>Otras estructuras de cobertura:</strong> Cubre estructuras separadas como cobertizos, cercas, garajes separados y piscinas en el suelo.</li>
<li>
<strong>Cobertura de propiedad personal:</strong> Cubre sus pertenencias, como ropa, muebles y electrónica.</li>
<li>
<strong>Cobertura de responsabilidad:</strong> Proporciona protección financiera si se encuentra culpable por lesiones o daños a las pertenencias de determinado que ocurre en su propiedad</li>
<li>
<strong>Cobertura de gastos de vida adicionales:</strong> Proporciona cobertura básico temporal en caso de que su hogar no sea habitable adecuado a una pérdida cubierta</li>
</ul>
<p><span id="ho-2-vs-ho-3-policies" data-table-of-contents-category="ho-2-vs-ho-3-policies" aria-hidden="true"></span></p>
<h2 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="HO-2 vs. HO-3 policies" data-outcome="">HO-2 vs. HO-3 policies</h2>
<p>La principal diferencia entre la mayoría de las pólizas de seguro de vivienda no es lo que cubren, sino cómo cubren su propiedad. En el seguro de hogar, los eventos dañinos imprevistos se conocen como peligros. Los diversos componentes de las pólizas de seguro de vivienda se cubren ya sea con la colchoneta de peligros con nombre o en la colchoneta de riesgos abiertos. En normal, los peligros con nombre solo cubrirán los peligros, como el fuego o el derrota, específicamente conocido en su política. Una política de peligros abiertos lo protege contra cualquier pérdida a menos que el peligro se enumere explícitamente como una pega, como el daño causado por inundaciones o terremotos.</p>
<p>Una póliza de seguro HO-2 cubre los propietarios de viviendas con nombre. Esto significa que su política solo cubrirá el daño a su hogar, estructuras separadas y capital personales causados por un peligro que se enumera específicamente en la política. Si su hogar está dañado por un hecho que no se enumera específicamente, no se cubrirá. Una política de HO-3, por otro flanco, ofrece una protección más amplia al proteger su vivienda y otras estructuras sobre una colchoneta de peligro hendido:</p>
<div class="w-full overflow-x-auto">
<table class="wp-block-table wrapped">
<thead>
<tr>
<th> </th>
<th>Tipo de cobertura HO-2</th>
<th>Tipo de cobertura HO-3</th>
</tr>
</thead>
<tbody>
<tr>
<td>Vivienda</td>
<td>Popular peligros</td>
<td>Abiertos</td>
</tr>
<tr>
<td>Otras estructuras</td>
<td>Popular peligros</td>
<td>Abiertos</td>
</tr>
<tr>
<td>Contenido</td>
<td>Popular peligros</td>
<td>Popular peligros</td>
</tr>
</tbody>
</table>
</div>
<p>Adicionalmente, la mayoría de las pólizas de seguro de vivienda HO-3 incluyen cierto nivel de cobertura de pagos médicos, lo que ayuda si un huésped está dañado en su hogar. Las políticas de HO-2 generalmente no incluyen este tipo de cobertura.</p>
<p><span id="ho-2-coverages" data-table-of-contents-category="ho-2-coverages" aria-hidden="true"></span></p>
<h2 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="HO-2 coverage" data-outcome="">Cobertura HO-2</h2>
<p>Ahora que sabe que una política HO-2 solo cubre específicamente las pérdidas, es posible que se pregunte exactamente qué peligros de las políticas de HO-2 cubren. Una política HO-2 generalmente enumera 16 peligros llamados, que incluyen:</p>
<ul>
<li>Fuego y relámpagos</li>
<li>Tormenta de derrota y granizada</li>
<li>Explosiones</li>
<li>Disturbios y conmoción civil</li>
<li>Daño causado por la avión</li>
<li>Daños causados por vehículos</li>
<li>Fumar</li>
<li>Vandalismo</li>
<li>Robo</li>
<li>Erupción volcánica</li>
<li>Objetos que caen</li>
<li>Daño causado por el peso del hielo, la cocaína o el aguanieve</li>
<li>Descarga accidental de agua o vapor de un electrodoméstico o un sistema de fontanería, calefacción, música acondicionado o rociadores</li>
<li>Desgarrado repentino y accidental, agrietado, ardor o abultamiento de un sistema de calefacción de vapor o agua caliente, música acondicionado o sistema de rociadores</li>
<li>Congelamiento de un electrodoméstico o fontanería, calefacción, música acondicionado o sistema de rociadores</li>
<li>Daño repentino y accidental de una corriente eléctrica generada artificialmente</li>
</ul>
<h3>¿Qué excluyen las políticas de HO-2?</h3>
<p>Como la mayoría de las políticas caseras, el seguro HO-2 generalmente no cubre daños por inundaciones y terremotos. Otras exclusiones pueden incluir:</p>
<ul>
<li>Daño del agua causado por las copias de seguridad de alcantarillado o desagüe</li>
<li>Accidentes nucleares</li>
<li>Actos de combate</li>
<li>Deslizamientos de tierra y deslizamientos de tierra</li>
<li>Sumideros</li>
<li>Moho</li>
<li>Plagas como roedores o termitas</li>
<li>Daños a la propiedad causados por mascotas</li>
<li>Error de energía</li>
<li>Daño como resultado del mantenimiento descuidado</li>
<li>Daño infligido intencionalmente</li>
</ul>
<p>Algunos proveedores de seguros de propietarios ofrecen la capacidad de amplificar tipos de cobertura opcionales a su póliza con los pasajeros, igualmente llamados endosos. Es posible que pueda amplificar un jinete para cubrir el daño del moho o el daño de respaldo de alcantarillado, por ejemplo. La cobertura de daños por inundación y terremotos igualmente podría agregarse como endosos, si se ofrece, o es posible que necesite comprar políticas separadas para estos daños.</p>
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<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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