{"id":1257,"date":"2021-04-07T18:09:11","date_gmt":"2021-04-07T18:09:11","guid":{"rendered":"https:\/\/www.consumerschicago.com\/?p=1257"},"modified":"2021-04-08T18:15:20","modified_gmt":"2021-04-08T18:15:20","slug":"what-does-renters-insurance-cover","status":"publish","type":"post","link":"https:\/\/www.consumerschicago.com\/?p=1257","title":{"rendered":"¿Qué debe cubrir su seguro de inquilinos?"},"content":{"rendered":"
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    ¿Qué debe cubrir su seguro de inquilinos?\n<\/div>\n<\/div>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t
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      ¿Qué debe cubrir su seguro de inquilinos?<\/h3>
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      \nWell, ¿cuánto deberías conseguir? \nYou should have enough Renters Insurance to replace all of your personal possessions in case a fire, un robo, u otro desastre. Para calcular el valor de todas sus cosas, haga un inventario de su casa, a list of all your possessions along with their value.\n\t

      \nReplacement cost or cash value?\nThe differences between those two are strong: el valor real en efectivo incluye la depreciación: la pérdida de valor que tiene un artículo a lo largo del tiempo; el valor de reemplazo total puede costar un poco más, pero si sus cosas se destruyen, it will cover the cost for either something new or something that has actually appreciated in value over time.\n\t

      \nWhat situations are covered?\nRenters insurance covers you for losses from crimes such as break-ins and robberies, catástrofes como incendios y daños por humo, o tormentas de viento y rayos, y también cosas como daños por agua por una tubería reventada, o incluso una explosión. (Sin embargo, sin embargo).\n\t

      \nWhat\u2019s the deductible?\nThat part is easy: it\u2019s the amount of money you pay out before the insurance coverage kicks in. Por lo tanto $500 es su deducible de y $6,000 es su pérdida, los primeros $500 correrán por su cuenta, y el seguro cubrirá los $5,500. En términos generales, cuanto mayor sea el deducible, the lower the premium cost.\n\t

      \nWhat about really expensive items?\nIf you own expensive items, como coleccionables, instrumentos musicales, joyas, pieles, o equipos deportivos, you\u2019ll want to think about getting what\u2019s known as a floater. A \u201cfloater\u201d is a separate\/additional police that allows you to protect those expensive and harder to replace items.\n\t

      \nWhat about outside the home?\nIt depends on the policy, but most of them include \u201coff-premises coverage\u201d which means exactly what it says: las pertenencias fuera de su hogar están cubiertas contra los mismos desastres, , incluida la propiedad robada de una habitación de hotel o un automóvil, for examples.\n\t

      \nIs there liability protection?\nYes. El seguro para inquilinos lo cubre contra demandas por lesiones corporales o daños a la propiedad hechos por usted, los miembros de su familia, o incluso las mascotas. Cubrirá el costo de su defensa judicial, hasta el límite de su póliza, por supuesto. También debe haber cobertura médica sin culpa, which will allow someone who gets injured to send their medical bills directly to the insurance company so bills can be paid without having to go through with a lawsuit.\n\t

      \nWhat\u2019s enough insurance?\nThe amount of liability coverage should be enough to protect your material and financial assets in case someone brings a lawsuit against you.\n\t

      \nWhat\u2019s ALE and what does it cover?\nALE stands for additional living expenses, que lo cubren si su casa es destruida por una situación asegurada, y necesita vivir en otro lugar por un tiempo. En esto se incluirían las facturas del hotel, el alquiler temporal de apartamentos, las comidas, and other expenses you wouldn\u2019t have incurred if you were still able to live in your home.\n\t

      \nHow much will ALE cover?\nAlthough there are limits to the total amount that will get paid and\/or time limits that specify how long you\u2019re eligible to receive ALE, the policy generally reimburses the full difference between your additional living expenses and your normal living expenses--so be sure you\u2019re comfortable with your policy limits.\n\t

      \nRemember that if you have other policies as well, como un seguro de automóvil, ¡puede agrupar y ahorrar!\n

      \n\tClick aquí<\/a><\/b> ¡y contáctenos hoy! \n<\/div><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"

      ¿Qué debe cubrir su seguro de inquilinos? ¿Qué debe cubrir su seguro de inquilinos? Bueno, ¿cuánto deberías conseguir? Debe tener suficiente seguro para inquilinos para reemplazar todas sus pertenencias personales en caso de incendio., un robo, u otro desastre. Para calcular el valor de todas sus cosas, haga un inventario de su casa, a…<\/p>\n","protected":false},"author":1,"featured_media":798,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[5,3,4],"class_list":["post-1257","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-bundle","tag-insurance","tag-renters"],"_links":{"self":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts\/1257","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1257"}],"version-history":[{"count":12,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts\/1257\/revisions"}],"predecessor-version":[{"id":1269,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts\/1257\/revisions\/1269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/media\/798"}],"wp:attachment":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1257"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1257"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1257"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}