¿Qué cubre el seguro de viviendas?

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Steve & Suzy T., Customers since 2013
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Homeowners Insurance Coverage for AARP Members

Homeowners insurance covers damage to your home, property and personal belongings by helping to pay the cost to repair or replace them. It also offers financial assistance for any additional living expenses if your home is destroyed and provides liability coverage in the event that someone is injured on your property. With the AARP® Homeowners Insurance Program from The Hartford,1 you'll have financial protection for your home and its contents.

qué son las coberturas de seguro de viviendas

Seguro de viviendas de AARP 101

Conozca más sobre el Programa de seguros para viviendas de AARP de The Hartford en este video.

Home Insurance Coverage Key Takeaways

  • Homeowners insurance helps provide financial protection for your home, property, and its contents when they're damaged by a covered loss such as a fire, theft or vandalism.
  • The most common types of homeowners insurance coverages are:
    • Dwelling insurance coverage, which helps pay to repair or rebuild the physical structure of your home.
    • Other structures insurance coverage helps cover buildings on your property that aren't attached to your house, like a separate garage.
    • Personal property insurance coverage to help protect your personal belongings.
    • Loss of use coverage to help pay for living expenses if you can't live in your home due to a covered loss.
    • Personal liability coverage can help cover your legal costs and any court judgments against you, up to your policy limits, if a non-resident of your household suffers an injury or property damage for which you are legally responsible.
    • Medical payments coverage to help pay for medical bills if a non-resident of your home is injured.2
    • Hazard insurance is a term used by mortgage lenders, which refers to coverage for the structure of your home. This is not a standalone coverage. Typically, your home insurance policy will suffice any requirements your lender may have.
  • Homeowners insurance typically does not cover things like flooding, normal wear and tear, poor workmanship and defective materials or pest damage (vermin, rodents, etc.).
 

¿Qué cubre el seguro de viviendas?

While homeowners insurance helps protect for your home and belongings, it doesn’t provide coverage for every scenario that could impact your home. See below for what typically is and isn’t covered in a standard home insurance policy.
 
Situación Por lo general, cubierta Por lo general, no cubierta
Incendio  
Robo  
Vandalismo  
Terremotos  
Problemas de plomería  
Daños por humo  
Uso y desgaste normal  
Inundaciones  
Daños por plagas (alimañas, roedores, etc.)  
Congelamiento de tuberías  
Peso de nieve, aguanieve o hielo  
a parent hugging their child

Types of Homeowners Insurance Coverage

Insurance can help protect your house, garage, shed and other structures. We even help to cover your personal property, medical and legal bills, repair or replace damaged or stolen property, pay temporary living expenses and more.
 
Obtenga una cotización de seguro para propietarios de viviendas

Choose the Best Types of Homeowners Insurance

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, la cobertura para otras estructuras can help cover the cost of damages.

Personal Property Insurance Coverage

La cobertura de propiedad personal helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Cobertura de pérdida de uso

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Cobertura por responsabilidad civil

En caso de que alguien externo a su vivienda sufra lesiones o daños a la propiedad de los que usted es legalmente responsable, personal liability puede ayudarle a cubrir sus gastos de defensa legal y la sentencia en su contra, hasta los límites establecidos en su póliza.

Cobertura de gastos médicos

La cobertura de gastos médicos ayuda a pagar facturas de servicios médicos de emergencia si una persona que no es residente de su hogar sufre alguna lesión en su propiedad.  Asimismo, ofrece cobertura por lesiones ocasionadas por un integrante de su familia o mascota, sin importar dónde sucedan. Las facturas se pagan hasta el límite de su póliza aunque usted sea responsable legalmente o no.2

Hazard Insurance Coverage

Hazard insurance coverage is a term used by mortgage lenders. It refers to coverage that helps protect your home from various hazards such as wind, fire, hail and theft. It is not different than dwelling coverage. Your mortgage lender may require certain coverage limits to protect their investment in your property.
 

Optional Types of Home Insurance Coverages

If you’re concerned about significant damage to your home, these optional coverages can help you have greater peace of mind.

Additional Limits Coverage

If your home is deemed a total loss, full replacement cost coverage pays the full cost to rebuild your home up to 125% of your coverage limits. Depending on where you live, a coverage limit of up to 150% may be available.

ProtectorPLUS Zero Deductible Benefit Coverage

ProtectorPLUS Zero Deductible Benefit coverage waives the homeowners insurance deductible (up to $5,000) if your home is severely damaged by a qualifying loss of $27,500 or more. For example, if your home is struck by lightning and there is electrical and structural damage exceeding $27,500, ProtectorPLUS Zero Deductible Benefit coverage would waive your deductible.
how much coverage should i have for homeowners insurance

How Does Your Homeowners Insurance Stack Up?

a man researching what homeowners insurance coverage protects his home from

El seguro de viviendas en pocas palabras.

Respuestas rápidas y definiciones del seguro de viviendas fáciles de entender, pensadas para usted.
 
Para conocer más, consulte nuestra página de definiciones del seguro de viviendas.  

Homeowners Insurance Coverage FAQs

Most standard homeowners insurance policies have the following coverages:
 
  • Dwelling coverage to help pay for repairs or rebuilding of the structure of your home.
  • Other structures insurance coverage to help cover buildings on your property that aren't attached to your house.
  • Personal property insurance coverage to help protect your personal belongings.
  • Loss of use coverage to help pay for living expenses if you can't live in your home due to a covered loss.
  • Personal liability coverage to help cover your legal defense costs and any court judgments against you, up to your policy limits, if someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible.
  • Medical payments coverage to help pay for medical bills if a non-resident of your home is injured.2
Coverage A is the same as your dwelling coverage, which helps cover damage to your home’s structure.
Homeowners insurance helps protect the investment you’ve made in your home by providing financial protection for your home and its contents. Without it, you risk having to pay out of pocket if anything is damaged or destroyed. Additionally, most mortgage lenders require homeowners insurance if you have a loan on your home.
 
 
Última actualización: 3 de julio de 2024
 
No todas las características y beneficios están disponibles en todos los estados. Se aplican condiciones y exclusiones.
 
2 Los gastos médicos se calculan en base a cargos usuales, habituales y razonables.
 
3 Covered by U.S. Patent No. 9,830,661.
 
‡‡ Terms and conditions apply.
 
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.