Cobertura de seguro para arrendatarios

Cobertura de seguro para arrendatarios
Obtenga una cotización de seguro para arrendatario de The Hartford para proteger sus objetos personales.
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles AARP de The Hartford.

¿Qué cubre el seguro para arrendatarios?

With the AARP® Homeowners Insurance Program from The Hartford,1 home and apartment renters can choose from a range of popular coverages. After all, your belongings still need to be protected, even if you do not own a house. Renters insurance coverage includes:
  • Personal property
  • Personal liability
  • Gastos médicos
  • Property damage to others
  • Additional living expenses

Renters Insurance Coverage Breakdown

Renters insurance coverage targets specific areas of need for renters, including:
Personal Property. This coverage helps protect items such as furniture, clothing and appliances that may have been damaged. For example, while out with friends, a kitchen fire in a neighboring apartment caused smoke and water damage to your apartment. Personal property insurance helps pay the costs to repair or replace such items that are damaged in a covered event.
Personal Liability. This coverage helps protect you in two ways. First, it helps cover legal judgments against you for bodily injury and/or property damage that you are responsible for, up to your policy limits. Second, it also helps pay expenses associated with your legal defense in a liability claim. For example, if someone slips on a rug in your apartment and is injured, they may file a claim against you. Personal liability coverage can help pay the costs of your legal defense.
Property Damage to Others. Rental insurance can help cover expenses when you accidently damage or break property that doesn’t belong to you. For example, you inadvertently cause damage to a hotel room or other venue. Renters insurance can help cover the costs involved in repairing or replacing it.
Loss of Use. This coverage helps pay your extra living expenses up to policy limits if you cannot live in your rental property due to a covered loss. For example, a fire in the unit next door causes your apartment to be unlivable and you need to find temporary housing elsewhere that costs more than your current rent. This policy can help cover the added expenses.

Additional Renters Insurance Coverages

In addition to the coverage mentioned above, there are additional rental insurance coverages available, including:
ProtectorPLUS Zero Deductible Benefit. This coverage is included with our renters insurance and waives up to $5,000 of your rental insurance deductible if you experience a qualifying loss of $27,500 or more.
Esta cobertura no se aplica a deducibles especiales como por ejemplo por huracanes, terremotos, hundimiento de minas de carbón, viento/granizo especial o deducibles opcionales y especiales por robo.
Replacement Cost Coverage. This coverage helps pay for a brand new item to replace one that was stolen or damaged. Compare this coverage to actual cost value coverage (ACV) which pays out based on the value of the possession at the time it was stolen or broken. An ACV payout is often less than the value to replace the item with a new one.

Valuable Items Blanket Coverage. This coverage is available to insure specific valuables up to certain limits. It is an additional coverage that provides extra coverage for your most valuable items such as jewelry, furs, silverware, china and crystal.
Personal Injury Liability Coverage. Helps cover you from damages that arise out of libelous or slanderous accusations and charges.
Earthquake Coverage. Depending on what state you live in, you may have the option to purchase earthquake coverage. This can help cover the cost of damage to possessions as the result of an earthquake.
Water Backup. If your rented property is damaged by water backup or sump pump overflow, this insurance will help cover the damage costs.

How Much Renters Insurance Coverage Do I Need?

To determine the renters insurance coverage you need, you will need to know the total value of your items. To do this, start by creating an inventory of your things. Your inventory can be a list or a spreadsheet that includes information for each item, like:
  • The name of the item (include model number)
  • The date and location the item was purchased
  • How much the item costs and its current value
  • Replacement cost of the item
  • The current condition of the item
  • Any serial numbers associated the item
Store this inventory list somewhere other than your home. For example, store it in a safety deposit box. Photographs of each item can be helpful in making a claim, as they prove ownership. Get additional help making an inventory and preparing for a natural disaster.

What Is Not Covered by Renters Insurance?

Renters insurance does not cover:
  • Personal property loss over your coverage limit
  • Liability protection over your coverage limit
  • Damage to the structure of the rented building
The complete list of what is not covered is included on your policy. Certain items can have coverage limits. This refers to the maximum amount of money a company will pay in the event of a loss to an insured item. Examples of items with coverage limits are cash, jewelry or firearms. To determine the appropriate coverage limit for your items consult your home inventory list. This list outlines what each item is worth. The total value to replace all items on the list can give you a good idea of how much coverage you need.
Agents can also help you determine correct limits. Talk to an agent at The Hartford today.

Popular Coverage Options to Meet a Tenant’s Unique Needs

Cobertura contra avería de equipos: si un electrodoméstico, un sistema o una parte de un equipo electrónico del lugar que alquila se rompe por alguna causa mecánica, esta cobertura lo ayuda a pagar el costo de reparación o reemplazo.
Valuable Items “Blanket” Coverage – Removes the hassle of scheduling an appraisal for the valuation of unique items such as jewelry, watches, artwork and expensive dinnerware while offering great coverage. It also provides coverage for added perils such as mysterious disappearance or breakage.
Identity Fraud Expense Coverage – If you’re a victim of identity theft or fraud, this coverage reimburses you for out-of-pocket costs that were needed to restore your identity (see your policy for limits). This includes lost income and legal fees.
Water Backup and Sump Pump Overflow – If your rented property is damaged by water backup or sump pump overflow, this insurance helps cover the damage costs.
This does not provide coverage for water damage caused by direct or indirect flooding. It also does not provide coverage for water backup of sewers. Any drain, overflow or discharge of a sump pump caused by flooding is likewise not covered.
Scheduled Personal Property – This insurance provides 100% protection for unique items that require separate coverage to insure their full value. It also provides coverage for added perils such as mysterious disappearance or breakage.
No todas las características y beneficios están disponibles en todos los estados. Se aplican condiciones y exclusiones.
Definición de seguro para arrendatario

Seguro ilustrado – Arrendatarios

Conozca el seguro para arrendatario de The Hartford.
definición del seguro para automóviles

Explicación simple sobre el seguro para autos

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