Limited Access

What Does Limited Access Mean?

You probably see the words “limited access” every day, like limited access to Wi-Fi or a limited-access location. But, you may wonder what it means when it comes to seguro de viviendas.
 
The limited access definition for home insurance refers to a limited-access residence or building. These places are typically:
 
  • Within a gated or fenced community
  • Protected 24/7 by security guards who monitor all entrances and exits or regularly patrol the premises
  • Securely locked

How Does Limited Access Impact Homeowners Insurance?

limited accessHaving a limited access home can affect your homeowners insurance cost. These homes and buildings are typically safer because they’re monitored by security and you need permission to access them. This around-the-clock protection can lower your homeowners insurance cost.
 
Don’t forget, the benefits of a limited access residence don’t just apply to a house. If you’re looking for seguro para arrendatario o condo insurance, a limited access building can also lower your cost.
 
When you get a home insurance quote, insurers look at several factors, including:
 
  • Lugar
  • Fire protection
  • Building features, like its size and age
Some insurers may also offer home insurance discounts for making improvements that can reduce your risk of homeowners insurance claims. For example, you may qualify for a credit if you install a security alarm system.
 

Examples of Limited Access Applied to Homeowners Insurance

Let’s say you live in a house within a gated community where there’s a security guard at each entry point. When you get a homeowners insurance quote, these safety features of your limited access home can lower your policy cost.
 
On the other hand, if you own a home in a regular neighborhood that’s not considered limited access, you would not qualify for this credit.
 
It’s important to remember there’s no one-size-fits-all approach to home insurance because every homeowner is unique. We understand that, and our team is here to help you.
 
We created a glosario to help you better understand insurance terms you may see in your policy. Our specialists can help you find the right coverages for your home. Obtenga una cotización de seguro de viviendas today and learn how we can help protect you and your home every step of the way.
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.
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