¿Qué cubre el seguro de viviendas?

What Is Covered by Home Insurance?

Con un seguro de viviendas policy, you may receive financial assistance if your home or its contents are destroyed or damaged. A homeowners insurance policy can also help you if someone is injured while on your property.
 
Homeowners insurance provides a variety of coverages, such as dwelling coverage, personal property coverage, other structures coverage and personal liability coverage.
 
Each coverage has a specific purpose. For instance, dwelling coverage helps protect your home and the structures attached directly to it, while other structures coverage is for buildings on your property that are not attached to your house. For all your belongings inside the house, like furniture, clothing and appliances, personal property coverage is there to protect them. And if you’re sued after someone gets hurt on or off your property, liability coverage can help cover your legal defense and help pay for court judgments, up to the policy limit.
 

What Homeowners Insurance Coverage Protects Against

The unexpected can strike at any moment, but having homeowners insurance can help keep your most valued assets covered if it does. If a strong storm knocks a tree onto your house, causing extensive damage, your homeowners insurance coverage can help cover the cost of repairs. If a large fire breaks out, resulting in a total loss, your home insurance with The Hartford can help rebuild your home. Our homeowners insurance coverage also offers:
 
  • Full Replacement Cost, Maybe More, which pays the full cost to rebuild your home up to 125% of your coverage limits if it is a total loss. Según el lugar donde viva, es posible que haya una opción disponible que brinde el 150% de límite de cobertura2.
  • ProtectorPLUS Zero Deductible Benefit, which waives your homeowners insurance deductible (up to $5,000) if your home has $27,500 or more in damage. If your hot water heater leaks and causes damages to your home over $27,500, without ProtectorPLUS Zero Deductible Benefit, you would only receive payment for the loss that exceeds your base policy deductible.3

What Does Homeowners Insurance Not Cover

Although homeowners insurance protects your home and personal belongings, there are certain types of damages a policy doesn’t generally cover. Types of loss that are excluded from homeowners insurance coverage include damage caused by:
 
  • Normal wear and tear
  • Poor workmanship or defective materials
  • Birds, vermin, rodents and insects

Types of Insurance Packages Offered by The Hartford

For more protection, we offer two packages of popular coverages to bundle on top of your base homeowners insurance policy.
 
The Home Advantage Package bundles “New for Old” Protection, Personal Injury Liability Coverage, Reimbursement for Replacing Locks, and Identify Fraud Expense Coverage.
 
  • “New for Old” Protection:‡ If your possessions are destroyed by a covered loss, we’ll help provide the actual cost to replace them with brand new ones of the same kind and quality. Even if your items are old or not in the best condition at the time of the damage, we’ll help cover the cost to get them replaced.
  • Personal Injury Liability Coverage: If someone sues you for libel or slander, this coverage helps pay for the potential damages.
  • Reimbursement for Replacing Locks: If your key is lost or stolen, we’ll pay up to $500 to replace your locks, with a $100 deductible.
  • Identify Fraud Expense Coverage: This coverage helps cover lost income, legal fees and out-of-pocket costs up to $25,000 after fraud or identify theft.
The Home Advantage Plus Package includes all the coverages of the Home Advantage Package and adds Disappearing Property Deductible,‡‡ Cobertura contra avería de equipos y Valuable Items Blanket Coverage. Your identity fraud expense coverage is also increased to $50,000 with this package.
 
  • Disappearing Property Deductible: If you’re a home or condo owner, we’ll reduce your deductible $50 for every three years you go without having an insurance loss. With this coverage, you can get your deductible down to $0.4
  • Equipment Breakdown Coverage: This helps cover the cost of repairing or replacing appliances and electronics that have a mechanical or electrical breakdown. However, it does not cover normal wear and tear.5
  • Increased identity fraud expense coverage to help pay up to $50,000 of out-of-pocket expenses to help you recover from fraud.
We know every home is unique, and every homeowner has different needs. That’s why we offer additional coverages you can choose to add to your policy:
 
  • Green Rebuilding: Increase your policy limits up to 10% when you use environmentally-friendly materials or processes for repairs after a covered loss.
  • Water Backup and Sump Pump Overflow:*6 If your property is damaged by backed up water or overflow from a sump pump, this can help pay for the repairs. This coverage does not pay for damage from flood or surface water.7 It also does not cover normal wear and tear.
  • Assisted Living Care Coverage: If you have a relative in an assisted living care facility, this extends liability, contents and additional living expenses coverages.8
  • Scheduled Personal Property: This covers 100% of the insured value of selected items if they’re damaged or destroyed in a covered loss.9 Theft and mysterious disappearances are also covered.
  • Rental Property Protection Plus: If you’re a landlord, this coverage helps insure up to four rental units. Coverages include replacement cost of the rental unit, optional coverage for detached structures, fair rental value, property damage by vandalism or burglars and damage to lawns, plants and shrubs.
  • Valuable Items Blanket: If you own valuables, such as jewelry or silverware, this coverage increases the policy limits to $10,000 per item if they’re stolen, lost or damaged.
When you have an idea of how much coverage you may need for your policy, get an online quote fast and easy. Or, if you’d like to speak to one of our homeowners insurance specialists, call us at 888-413-8970 and we’d be happy to help.
 
 
‡ Some benefits such as Reimbursement for Lock Replacement are only available with the Optional Home Advantage Plus package. También hay disponible una póliza sin estos beneficios adicionales.
 
‡‡ Some benefits, such as the Disappearing Property Deductible, are only available with the optional Advantage Plus package. También hay disponible una póliza sin estos beneficios adicionales. Para ser elegibles para la reducción gradual del deducible de propiedad, los propietarios de viviendas no deben registrar reclamaciones ni pérdidas durante tres años consecutivos en la mayoría de los estados. La opción del paquete Advantage Plus y el beneficio de reducción gradual del deducible de propiedad no están disponibles en todos los estados.
 
2 The Hartford will pay the full cost to rebuild your home, even if it costs up to 125% of your home insurance policy’s coverage.
 
3 This benefit will completely eliminate your homeowners insurance deductible (up to $5,000), if you have a qualifying claim of $27,500 or more.
 
4 Responsible homeowners deserve to be rewarded. Si no registra ninguna reclamación como propietario de vivienda durante los últimos tres años, The Hartford reducirá el deducible de su seguro de propiedad en $50. Then, we’ll lower it another $50 after each year without a claim – until your property deductible reaches $0.
 
5 This coverage pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. La ventaja de protección de equipos también brinda cobertura si desea realizar mejoras ecológicas. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.
 
6 Does not provide coverage for water damage caused by direct or indirect flooding. Tampoco brinda cobertura para reservas de agua en cloacas y desagües ni para desbordes o descargas de bombas de achique si son causadas por inundaciones.
 
7 For an additional cost, you can get property protection for water backup or sump overflow – that is not caused by flood or surface water. El monto de nuestra cobertura básica es de $5,000. También podemos tener otros montos disponibles. Su agente independiente puede proporcionarle información específica de su estado para esta cobertura.
 
8 Your homeowners policy can help to protect a family member who lives in an assisted care facility. Con nuestra cobertura para cuidados en residencia asistida, puede proporcionar cobertura para la propiedad privada y responsabilidad civil para un familiar en un hogar de ancianos o instalación similar. Coverage limits can help to pay for lost personal property, such as hearing aids, eyeglasses, false teeth, wheelchairs, and more. Esta opción también proporciona cobertura para gastos diarios adicionales (en ciertas situaciones).
 
9 With this benefit, you can have protection against a potential total loss. Si ocurre dicha pérdida cubierta, puede recibir el 100 por ciento del valor asegurado de su propiedad personal planificada.
 
Divulgaciones adicionales a continuación.
 
 
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 de Automóviles y Vivienda Propia AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MN por​​​​​​​ Sentinel Insurance Company; y el MA, MI y PA por Trumbull Insurance Company. El Programa AARP de Seguros de Vivienda Propia de The Hartford está subscrito por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en CA por Property and Casualty Insurance Company of Hartford; en WA, MI y MN 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 el PA por Hartford Underwriters Insurance Company. No disponible en todos los estados, incluido Florida. Las características específicas, los créditos, y los descuentos pueden variar y pueden no estar disponibles en todos los estados de acuerdo con los documentos y las leyes vigentes de los estados. Los solicitantes son individualmente subscritos y algunos pueden no calificar. 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 Southern County Mutual Insurance Company a través de Hartford Fire General Agency. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros subscritos y expedidos por Southern County Mutual Insurance Company. El Programa para viviendas está respaldado por Trumbull Insurance Company.

* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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