¿Qué área no está protegida por la mayoría de los seguros de viviendas?

which area is not protected by most homeowners insuranceWhen it comes to seguro de viviendas, knowing what your policy doesn’t cover is just as important as knowing what it covers. Home insurance is designed to help protect your home and its contents if they’re damaged by a covered loss, but there are certain types of damages that are excluded by standard policies. You’ve made a big investment in your home, so understanding which area is not protected by most homeowners insurance can help you determine if you need additional coverages for extra protection.
 

5 Things That Are Not Covered by a Standard Homeowners Insurance Policy

Most homeowners insurance policies do not cover damages caused by situations involving:
 
  • Inundaciones
  • Terremotos
  • Home businesses
  • Everyday wear and tear
  • Home neglect

1. Flood Damage

Although some forms of water damage, like damage resulting from an accidental pipe burst, are covered by standard homeowners insurance, flood damage is typically not. If you live in an area that’s prone to flooding, you’ll need to purchase a separate  seguro contra inundaciones policy offered through the National Flood Insurance Program to help keep your home protected.
 

2. Earth Movements

Natural disasters involving earth movements, such as earthquakes, sinkholes and mudslides, are usually not covered by home insurance policies. However, you can add coverage to your homeowners policy to help protect against these situations.
 

3. Home Business

If you operate a business out of your home, your homeowners insurance may not include protection for parts of your business, like technology or professional equipment. That’s why you’ll need separate home-based business insurance to help protect your business assets in the event of fire, theft or another covered loss.
 

4. Wear and Tear

Normal wear and tear is typically excluded from standard homeowners insurance coverage. For example, if your home’s plumbing system becomes worn out over time, your home insurance likely won’t pay for damages. However, damages are covered in accidental events, such as in the case of burst pipes.
 

5. Home Neglect

Damage caused by poor home maintenance is usually not covered by home insurance. That’s why pest damage, like from vermin or rodents, is generally not covered. Preventing these critters from taking up residence in your home is considered by most insurance companies to be part of maintenance in which the homeowner is responsible for.
 

Homeowners Insurance Coverage for AARP Members

Since 1984, we’ve provided home insurance exclusively for AARP members and their families. In fact, The Hartford is the only insurance provider endorsed by AARP.
 

Homeowners Insurance Coverage From The Hartford

Not all home insurance companies are the same. At The Hartford, we’ve been in the business of protecting individuals and their properties for over 200 years. Through the AARP® Home Insurance Program from The Hartford,1 you can enjoy great rates and special discounts on your insurance.
 
Still wondering, “What does homeowners insurance cover?” Our specialists are here to help take out the guesswork and get you the coverage you need. To find out the savings and benefits available to you, obtener una cotización  hoy mismo.
 
 
Última actualización: 5 de enero de 2023
 
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.