{"id":191,"date":"2022-10-01T04:45:36","date_gmt":"2022-10-01T04:45:36","guid":{"rendered":"https:\/\/uniamericainc.com\/?post_type=insurance_product&#038;p=191"},"modified":"2022-10-07T17:38:11","modified_gmt":"2022-10-07T17:38:11","slug":"home-insurance","status":"publish","type":"insurance_product","link":"https:\/\/uniamericainc.com\/es\/insurance_product\/home-insurance\/","title":{"rendered":"Homeowner&#8217;s Insurance"},"content":{"rendered":"<p>La cobertura de seguro de propietario de vivienda es para <strong>las personas que son propietarias y ocupan su vivienda al menos durante la mayor parte del a\u00f1o.<\/strong>. La p\u00f3liza de propietario de vivienda o <strong>HO-3<\/strong>* generalmente cubre el <strong>interior y el exterior de la casa<\/strong>Si bien la cobertura puede variar de una compa\u00f1\u00eda a otra, la mayor\u00eda no solo cubre la estructura sino tambi\u00e9n <strong>otras estructuras, propiedad personal, p\u00e9rdida de uso, responsabilidad personal<\/strong> y <strong>pagos m\u00e9dicos a terceros<\/strong>.<\/p>\n\n\n\n<p>La mayor\u00eda de las p\u00f3lizas de seguro de propietario de vivienda <strong>tienen un deducible que deber\u00e1 cumplirse antes de que la p\u00f3liza pueda pagar la cobertura<\/strong>. Un n\u00famero limitado de p\u00f3lizas brinda cobertura contra sumideros y puede basarse en su deducible de todos los dem\u00e1s riesgos o en un porcentaje del valor de su vivienda en la p\u00f3liza, como el deducible por hurac\u00e1n.<\/p>\n\n\n\n<p>Muchas compa\u00f1\u00edas de seguros requieren que compre suficiente seguro para cubrir lo que se necesita para <strong>reconstruir su hogar en caso de una p\u00e9rdida total<\/strong>. Esa cantidad suele ser diferente tanto del valor de su casa como de lo que la autoridad fiscal local o el tasador de propiedades estiman como su valor imponible.<\/p>\n\n\n\n<p>Por lo general, su p\u00f3liza se puede dividir en 6 partes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">VIVIENDA O COBERTURA A<\/h2>\n\n\n\n<p>Cubre la casa principal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Other Structures or Coverage B<\/h2>\n\n\n\n<p>Cubre edificios o estructuras no conectadas a la casa principal.<\/p>\n\n\n\n<p>Examples: Shed, Fence, Gazebo or Detached Garage<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bienes personales o cobertura C<\/h2>\n\n\n\n<p>Cobertura para sus pertenencias personales en caso de p\u00e9rdida o da\u00f1o.<\/p>\n\n\n\n<p>Ejemplos: muebles, ropa, manteler\u00eda y vajilla<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Gastos de vida adicionales o cobertura D<\/h2>\n\n\n\n<p>Paga los gastos de manutenci\u00f3n necesarios mientras se repara su casa.<\/p>\n\n\n\n<p>Ejemplo: Gastos de hotel si su casa es inhabitable debido a una p\u00e9rdida cubierta durante la reparaci\u00f3n<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Responsabilidad personal o cobertura E<\/h2>\n\n\n\n<p>Cobertura para reclamos presentados en su contra como resultado de lesiones accidentales a otros y\/o da\u00f1os a la propiedad no intencionales.<\/p>\n\n\n\n<p>Ejemplo: accidentalmente golpeas a tu amiga con una pelota de golf en un impulso dulce.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pagos m\u00e9dicos o cobertura F<\/h2>\n\n\n\n<p>Paga los gastos m\u00e9dicos reales, incluidas las lesiones accidentales a otros.<\/p>\n\n\n\n<p>Ejemplo: su amigo se cae no debido a su negligencia en su hogar.<\/p>\n\n\n\n<p>*No todas las empresas utilizan este formulario de contrato, pero la mayor\u00eda se basan en este formulario est\u00e1ndar.<\/p>","protected":false},"featured_media":0,"template":"indivinsurancepage.php","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false},"class_list":["post-191","insurance_product","type-insurance_product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Homeowner&#039;s Insurance - UniAmerica Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/uniamericainc.com\/es\/insurance_product\/home-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Homeowner&#039;s Insurance - UniAmerica Insurance\" \/>\n<meta property=\"og:description\" content=\"Homeowner\u2019s insurance coverage is for people who own and occupy their home at least for most of the year. 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