Seguro Robo casa Lugo
El seguro para el hogar en Lugo o seguro de vivienda no es un seguro obligatorio, pero sí que es muy recomendable para el propietario de la vivienda, muchos inquilinos también contratan un seguro de hogar para estar más tranquilos, pero ambos son seguros diferentes.
Diferentes tipos de seguros para el Hogar para Lugo
Seguros de continente
Los propietarios contratan seguro de continente, cuando un propietario contrata un seguro siempre lo hace de continente, es decir, contrata la estructura de la vivienda como pueden ser paredes, techos, humedades, averías varias, incendios, responsabilidad civil, etc la mayoría de propietarios no contratan el contenido de la vivienda ya que casi siempre este seguro recae en el inquilino.
Seguros de contenido
Los inquilinos aseguran su vivienda con el seguro de contenido, cuando vives de alquiler no te preocupa mucho que pueda pasar algo grabe en la vivienda ya que te puedes marchar a otra, pero quizá sí que te interese asegurar cosas como los robos, roturas de puertas, o contenido de muebles debido algún tipo de incendio o inundación.
No es obligado salvo en inmuebles hipotecados
Contratar un seguro para su vivienda no es una obligación, pero sí que es muy recomendable ya que por cantidades asumibles por cualquier persona que esté pagando una hipoteca o un alquiler puede afrontar el pago de un seguro anual de vivienda, los bancos cuando te conceden una hipoteca te obligan a tener un seguro contratado para la vivienda hipotecada, ya que en caso de un accidente en la vivienda se podrán ver con problemas al ser ellos los dueños de la vivienda hasta que no pagues tu hipoteca, lo que no es obligado pero siempre viene por defecto es que la entidad bancaria sea la quien te venda el seguro, lo puedes contratar alguna otra aseguradora pero muchas veces la hipoteca viene de la mano del seguro del banco.
Las coberturas más importantes en los seguros del Hogar en Lugo
Los datos del continente como pueden ser incendios, robo, escapes de agua, y grandes averías son importantes de aseguras y casi siempre estos puntos lo miran los propietarios.
La cobertura en daños del contenido, roturas de cristales, puertas, baldosas, electrodomésticos rotos por culpa de tormentas, estos seguros casi siempre vienen con limitaciones y donde cada cliente tiene que ver que limitación o qué valor quiere asegurar.
La responsabilidad civil es muy importante para afrontar las posibles indemnizaciones que se puedan llegar a tener por culpa de nuestra vivienda a terceros debido a accidentes o problemas con nuestra vivienda.
La cobertura de defensa jurídica para la reclamación por nuestra parte a otros vecinos o aseguradoras de problemas que tengamos en nuestra vivienda por culpa de otras personas, cuando tenemos una avería de humedades o incendio de otras viviendas, pero nosotros estamos afectados esta cobertura nos defiende en posibles gastos judiciales que tengamos que reclamar.
Precio del seguro del Hogar en la zona de Lugo
El seguro del Hogar como en casi todos los seguros son muy diferentes, depende de la vivienda, del contenido del continente de la aseguradora y de otros aspectos que se quieran asegurar, en el mercado hay muchas aseguradoras y cada aseguradora tiene muchas pólizas y precios distintos por lo que te aconsejamos que busque el mejor seguro que puedas encontrar para asegurar su vivienda.
Los seguros de hogar para inquilinos de Lugo
Los seguros del hogar para inquilinos son más baratos que los de los propietarios ya que muchas veces no hace falta asegurar el continente de la vivienda, los inquilinos quieren asegurar el daño que puedan ocasionar y quizá el robo de algunas pertenencias, muchas compañías de seguros ofrecen unos seguros muy ajustados especiales para inquilinos.
Los seguros de viviendas para propietarios
Si es usted un propietario y quiere asegurar su vivienda, lo mejor es que contrate un seguro de continente por si su propiedad se pudiera ver afectada por un accidente o un desastre muy grande, también se aconseja disponer de un seguro de responsabilidad civil de no menos de 300.000 euros.
Te explicamos de forma sencilla los diferentes tipos de seguros que puedes contratar para asegurar su vivienda en Lugo de manera fácil y rápida.
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