{"id":204,"date":"2023-07-19T10:50:11","date_gmt":"2023-07-19T15:50:11","guid":{"rendered":"https:\/\/danica-insurance.com\/?p=204"},"modified":"2023-08-03T10:20:56","modified_gmt":"2023-08-03T15:20:56","slug":"cobertura-duenos-de-vivienda","status":"publish","type":"post","link":"https:\/\/danica-insurance.com\/en\/seguros-comerciales-e-internacionales\/cobertura-duenos-de-vivienda\/","title":{"rendered":"Homeowners Coverage"},"content":{"rendered":"<div class=\"wp-block-columns slider-interna is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div><\/div><div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><p class=\"parrafos-danica\">Homeowner's insurance is a product that combines <strong>Property and liability coverage for private homes<\/strong>. Also known as hazard insurance or homeowner's insurance, it helps cover costs by paying an annual premium. The insurer agrees to pay an agreed amount if the home suffers covered damage. Premiums vary according to the value of the home, personal property, location and policy riders, generally ranging from hundreds to a few thousand dollars annually.<\/p><h4 class=\"wp-block-heading titulos-color-danica-centro\"><strong>What is homeowners insurance?<\/strong><\/h4><p class=\"parrafos-danica\">On <strong>Homeowner's insurance<\/strong> is a combined property and liability insurance product that is available for private homes. You may also hear it referred to as hazard insurance or homeowners insurance. Homeowners insurance helps pay those costs. You pay an annual premium that is based on the replacement cost of the home and the value of your personal property inside the home. <\/p><p>In exchange for payment of this premium, the insurer agrees to pay a certain amount if the home is damaged by a covered cause. Premiums will vary depending on the value of the home, the value of the personal property inside, the geographic location, and policy riders, but generally range from several hundred to a couple of<br>thousands of dollars per year.<\/p><div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"912\" height=\"443\" src=\"https:\/\/danica-insurance.com\/wp-content\/uploads\/2023\/07\/seguro-de-casas.jpg\" alt=\"\" class=\"wp-image-743\" srcset=\"https:\/\/danica-insurance.com\/wp-content\/uploads\/2023\/07\/seguro-de-casas.jpg 912w, https:\/\/danica-insurance.com\/wp-content\/uploads\/2023\/07\/seguro-de-casas-300x146.jpg 300w, https:\/\/danica-insurance.com\/wp-content\/uploads\/2023\/07\/seguro-de-casas-768x373.jpg 768w\" sizes=\"(max-width: 912px) 100vw, 912px\" \/><\/figure><\/div><div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div><p class=\"parrafos-danica\">The standard homeowners insurance policy does not cover earthquake or flood damage, but it is possible to add such coverage. Homeowners insurance is also referred to as <strong>&#8220;Hazard Insurance&#8221;<\/strong> <em>(Risk insurance)<\/em>.<\/p><p><em>*You are not required by law to have homeowners insurance. However, having a homeowners insurance policy is a crucial way to protect yourself and your home from the unexpected. In addition, your mortgage lender may require you to purchase a homeowners insurance policy and a certain level of coverage.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>El seguro de propietario de vivienda es un producto que combina Cobertura de propiedad y responsabilidad para casas privadas. Tambi\u00e9n conocido como seguro contra riesgos o seguro de hogar, ayuda a cubrir costos mediante el pago de una prima anual. La aseguradora se compromete a pagar una cantidad acordada si la casa sufre da\u00f1os cubiertos. [&hellip;]<\/p>","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[12],"tags":[],"class_list":["post-204","post","type-post","status-publish","format-standard","hentry","category-seguros-comerciales-e-internacionales"],"_links":{"self":[{"href":"https:\/\/danica-insurance.com\/en\/wp-json\/wp\/v2\/posts\/204"}],"collection":[{"href":"https:\/\/danica-insurance.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/danica-insurance.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/danica-insurance.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/danica-insurance.com\/en\/wp-json\/wp\/v2\/comments?post=204"}],"version-history":[{"count":13,"href":"https:\/\/danica-insurance.com\/en\/wp-json\/wp\/v2\/posts\/204\/revisions"}],"predecessor-version":[{"id":1225,"href":"https:\/\/danica-insurance.com\/en\/wp-json\/wp\/v2\/posts\/204\/revisions\/1225"}],"wp:attachment":[{"href":"https:\/\/danica-insurance.com\/en\/wp-json\/wp\/v2\/media?parent=204"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/danica-insurance.com\/en\/wp-json\/wp\/v2\/categories?post=204"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/danica-insurance.com\/en\/wp-json\/wp\/v2\/tags?post=204"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}