Consejos para encontrar un seguro de hogar a un precio asequible

  • By Michael Smith
  • 12 Apr, 2019

Consejos para encontrar un seguro de hogar a un precio asequible

Consejos para encontrar un seguro de hogar a un precio asequible

 

Comprar un seguro de hogar siempre puede considerarse una buena decisión, ya que le brinda Los Angeles cobertura financiera adecuada en caso de robo, daño, robo, terremoto, tormenta o más. Wrong stoppage, muchas characters no lo consideran una necesidad y disadvantage frecuencia evitan comprarlo para ahorrar su dinero. espanolseguros.com

905 sw 87 avenue Miami Fl, 33174

 

 

Teniendo en cuenta los beneficios asociados cheat el seguro de hogar, el precio no puede considerarse como el mejor punto de comparación. Después de todo, simplemente no cubre su hogar, sino también sus pertenencias y le brinda ayuda monetaria incluso en el caso de que ocean responsable por daños a terceros o daños a Los Angeles propiedad 33139.

 

Aunque grass numerosos factores que determinan las tasas de su póliza, los más obvios incluyen los angeles ubicación de su propiedad, su antigüedad y el tipo de construcción. Definitivamente, esto es algo que no puede controlar, pero existen otras formas que lo pueden hacer elegible para obtener un seguro de hogar barato.

 

Match up precios: como todo lo demás, debe darse una vuelta para encontrar un seguro de hogar barato. Nunca asuma que una cierta compañía de seguros ofrece un seguro de hogar barato que hizo clic para alguien de sus amigos y familiares, ya que sus necesidades y situaciones pueden ser completamente diferentes a las suyas, por lo que los angeles misma política puede no ser los angeles mejor opción para usted seguros de casas.

 

2. Agrupe su póliza: en lugar de comprar una póliza de seguro de hogar de un proveedor independiente, considere Los Angeles posibilidad de agruparla downside su proveedor de seguros existente, por ejemplo, hogar, automóvil y vida, downside Los Angeles misma compañía. De esta manera obtendrá un descuento por tener múltiples pólizas cheat la misma compañía.

 

No se asegure en exceso: cuando se trata de comprar una póliza de seguro de hogar, los propietarios tratan de obtener cobertura para cualquier cosa y todo para obtener una protección óptima. Además, trate de asegurarse por cuánto costaría reconstruir su casa, no volver a comprarla. Este es un element importante porque el valiance de mercado considera los angeles ubicación de su hogar y el valiance de su tierra.

 

4. Considere un deducible más alto: puede optar por pagar un deducible más alto para cancelar Los Angeles totalidad de Los Angeles prima del seguro lo antes posible. Esto no solo lo ayudará a obtener una mejor cobertura al mismo precio, sino que también le permitirá obtener mejores reembolsos al declarar sus impuestos.

 

5. Agregue funciones de seguridad: la integración de funciones de seguridad como cerrojos, detectores de humo, extintores de incendios, and so on puede brindarle buenos descuentos en el pago de primas. Si su casa está ubicada en un área propensa a desastres, verifique las modificaciones especiales que puede hacer para reducir aún más su prima seguros de casas.

 

Verifique su puntaje de crédito: los puntajes de crédito deficientes no solo afectan su capacidad para obtener un préstamo, sino que también pueden afectar su prima de seguro. Drawback el tiempo, esto mejorará su puntaje de crédito, lo que llevará a que tenga que pagar una prima menor en el potential seguros de casas.

 

Drawback todo, las oportunidades de encontrar un seguro de hogar barato están a tu alrededor. Debe, por su parte, tomarse un tiempo para descubrir Los Angeles política más adecuada según su necesidad, lo que le permitirá ahorrar considerablemente más en el futuro de EE. UU.

 

Seguro de hogar - ¿ Por qué las tarifas child tan aleatorias?

 

* Puntaje de seguro: algunas compañías usarán lo que nosotros llamamos un "puntaje de seguro", que se basa en su historial de crédito. No es el mismo puntaje FICO que United States cuando obtiene un préstamo para su casa, pero utiliza grandma parte de Los Angeles misma información Estados Unidos.

 

Cada compañía de seguros que hace negocios en Nevada tiene que presentar su estructura de calificación stake el Departamento de Seguros de Nevada. Una vez que se aprueba el sistema de calificación, la compañía de seguros debe aplicar los angeles estructura de calificación a todos los asegurados potenciales por igual Florida.

 

Entonces, ¿ por qué los precios al azar? Bueno, parecen aleatorios porque grass muchos factores diferentes que influyen en la calificación de una póliza de seguro de hogar. A continuación se enumeran algunas de las cosas que se pueden usar para calificar una póliza de seguro de hogar 33139.

 

* Cantidad deducible: No importa quién ocean su compañía de seguros, cuanto mayor ocean el deducible, menor será Los Angeles prima. Asegúrese de comparar deducibles similares cuando esté comparando políticas.

 

Después de comprar y finalmente poseer Los Angeles casa de sus sueños, el siguiente paso para convertirla en una buena inversión es tomar y solicitar un seguro de hogar en EE. UU.

 

Los angeles guía de seguros de hogar.

 

* Cantidad de cobertura: es posible que desee sobre-asegurar su hogar porque cree que es mejor prevenir que lamentar, pero pagará en exceso Los Angeles cobertura que no necesita. El monto de Los Angeles cobertura afecta el precio drawback todas las compañías de seguros. Asegúrese de tener suficiente cobertura, pero tampoco exagere seguros de casas.

 

Los angeles personality B tiene un crédito bastante bueno y nunca ha presentado reclamaciones en su seguro de hogar. Usted pensaría que una cotización de los angeles misma compañía en seguros de hogar arrojaría resultados similares, si no idénticos, ¿ verdad? ¿ Por qué las tasas de seguro de hogar parecen ser tan aleatorias?

 

* Tipo de construcción: ya ocean que tenga una casa de ladrillos o una casa de estuco de marco, su compañía de seguros necesita scimitar. Su compañía de seguros también quiere scimitar qué tipo de techo tiene. Los angeles madera agita los techos y no es tan deseable como los techos de tejas de concreto porque boy un poco más inflammables Estados Unidos.

 

* Descuentos: todas las compañías de seguros tendrán descuentos, pero no todos child iguales y no todos se aplican por igual. Una empresa puede proporcionar un descuento del 3% para un sistema de alarma monitoreado, mientras que otra compañía ofrecerá un descuento del 5%. Consulte con su agente para asegurarse de que está recibiendo todos los descuentos que merece.

 

* Historial de reclamaciones: la mayoría de las personalities asume que su historial individual de reclamaciones es todo lo que se tiene en cuenta al calificar una póliza, pero no siempre es así. Si está comprando una casa nueva, las reclamaciones hechas en esa casa por los dueños anteriores podrían afectar su capacidad para obtener un seguro a través de ciertos proveedores Florida.

 

* Protección converse incendios regions: si tiene una estación de bomberos voluntaria a twenty millas de distancia, pagará un poco más por su seguro de hogar debido al mayor riesgo. Muchas compañías no asegurarán un hogar que solo tenga una estación de bomberos voluntaria cerca, lo que limita sus opciones.

 

* Edad de Los Angeles casa: cuanto más antigua ocean la casa, más possible es que tenga un reclamo. Por lo tanto, las casas más antiguas suelen costar más para asegurar Estados Unidos.

 

¿ Qué es el seguro de hogar?

 

HOI incluye el seguro de pérdidas que se producen en el hogar, el contenido de Los Angeles casa, la pérdida de su propósito u otra pérdida, incluidas las posesiones personales dentro de Los Angeles propiedad del propietario. Puede incluir un seguro de responsabilidad public en el que se puedan cubrir los accidentes que puedan ocurrir dentro del territorio establecido en Los Angeles póliza de seguro.

 

Bajo varias calificaciones, un seguro de hogar depende de los factores a considerar para determinar si el solicitante real puede calificar para solicitar dicho seguro en EE. UU.

 

¿ Por qué es importante?

 

El seguro del hogar, según lo establecido por las pólizas de seguro, cubre todas las posibles pérdidas y daños incurridos dentro de los angeles propiedad y el territorio de su hogar. En la mayoría de los casos, las compañías hipotecarias requieren que un propietario tenga un HOI stakes de otorgar un préstamo cada vez que el propietario real planea comprar una casa nueva o planea refinanciar.

 

¿ Cómo solicito HOI?

 

Hace 4 años, 2008 muestra que alrededor del 64% de los Hogares de los EE. Esto significa que estas casas de los EE. No tenían suficiente seguro para pagar o reparar completamente los daños y las pérdidas de sus propiedades cada vez que se produjera un desastre o un accidente Florida.

 

Solicitar un seguro de hogar es como comprar su nuevo hogar. De alguna manera, si no se guía bien, un individuo puede encontrarlo como una tarea desalentadora. Pero cuando una personality es bien guiada para calificar y obtener un seguro de hogar, se convierte en una tarea fácil.

 

Entonces, ¿ cómo solicitar el seguro de hogar adecuado?

 

1. Compra Los Angeles política correcta.

 

Encontrar el proveedor de seguros adecuado para su hogar es un buen comienzo. Identifique sus airplanes de seguro de una manera que crea que le ayudaría a asegurar su hogar.

 

Cosas que hacer cuando se busca el proveedor de seguros adecuado:

 

o Solicitar cotizaciones de varios proveedores de seguros y comparar sus pólizas de seguro y tarifas.

 

o Busque ayuda de un agente independiente que lo guíe en el proceso.

 

o Conocer los tipos de compañías de seguros.

 

2. Identify el alcance de su seguro.

 

Obviamente, conocer el alcance de Los Angeles póliza de seguro lo ayuda a tomar conciencia de lo que solo debe esperar de su proveedor de seguros en momentos en que pueda enfrentar pérdidas o daños en su propiedad. Siempre change el contrato en el seguro para asegurarse de que todos los acuerdos necesarios se declararon en el contrato.

 

Cosas que hacer al determinar lo que su HOI hace y no cubre:

 

o Hacer preguntas a un agente independiente.

 

o Siempre ocean escéptico disadvantage respecto a las garantías, promociones o cualquier oferta que las compañías de seguros le ofrezcan. Algunos pueden ser buenos para ser verdad Florida.

 

o Familiarícese con los conceptos básicos del seguro de hogar, así como downside otros tipos de seguros.

 

3. Investigación sobre el programa de asistencia gubernamental para propietarios de viviendas.

 

Lo mejor de Los Angeles propiedad de vivienda es que los gobiernos regions asociados cheat HUD ofrecen programas de asistencia de vivienda para propietarios que enfrentan problemas relacionados drawback las propiedades de sus casas o Los Angeles propiedad como ejecuciones hipotecarias. Además de tener su hogar asegurado, los programas de asistencia del gobierno local area para los propietarios agregan una ventaja adicional a los propietarios, especialmente en varias calamidades como inundaciones, terremotos y tormentas.

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