¿Es propietario de una vivienda? Proteja su inversión financiera mas importante. La cobertura del seguro de casa ofrece protección contra pérdidas debidas a catástrofes naturales, robos o accidentes. Esto puede incluir daños por fuego y humo, rayos, granizo, viento y vandalismo.
En el estado de Texas, una póliza de propietario típica y básica incluirá cobertura de responsabilidad civil y pagos médicos a terceros. También hay otras opciones que pueden añadir a su póliza.
Información importante que debe conocer! Existe un error común en relación con los daños por inundación y agua. Una póliza de seguro típica para propietarios o inquilinos cubre los daños por agua, pero NO cubre los daños por inundación. Para estar cubierto en caso de inundación de su casa o apartamento, debe contratar por separado un seguro contra inundaciones.
Water damage occurs when water damages your home BEFORE the water comes in contact with the ground. For example, during a heavy rainstorm, water leaks in through your home’s roof and causes damage to your ceiling, walls, and/or furniture. Another example is if one of your appliances break, such as a refrigerator, dishwasher, or washing machine, which causes water to leak and damages your floor. Please note that generally, any damage caused by water that has been on the ground at some point before the damage is considered flood damage.
By definition, a flood is the rising or overflowing of a body of water onto what is normally dry land. Examples include if a nearby lake or river overflows and causes a flash flood that damages your home, or a storm or sewer drain gets backed up and causes water to enter your home’s first or ground floor. Flood damage to your home or apartment is only able to be insured through a flood insurance policy. It is NOT included in a typical homeowners or renters insurance policy. Generally, any damage caused by water that has been on the ground at some point before the damage is considered flood damage.