Que aspectos cubre un seguro de alquiler

Que aspectos cubre un seguro de alquiler

Aspectos que cubre un Seguro de Alquiler

 

Es muy común caer en el error de pensar que nunca vamos a experimentar alguna contingencia o que estaremos cubiertos por la póliza del arrendatario, desde esta perspectiva, siempre será útil contar con una póliza propia cuando nos encontremos rentando una casa.

 

Continente

 

Se refiere a la construcción, la estructura del bien inmueble, paredes, piso, ventanas, techo. Éstos pueden verse afectados por algún tipo de contingencia, inundación, terremoto, incendio, robo o acto de vandalismo.

 

Contenido

 

Todo aquel bien material que se encuentre dentro del continente, muebles, vestimenta, arte, joyas, equipo de cómputo, artículos eléctricos, etc.

 

Responsabilidad civil

 

Ésta póliza cubre lesiones o daños causados a terceros. Es realmente importante contratarlo, ya que pueden ocurrir un sinnúmero de situaciones adversas o verse involucrados en accidentes y que de no existir un seguro que nos ofrezca respaldo, podría trastornar nuestra vida por un periodo indefinido. Pudiera parecer una simple fuga en la lavadora, pero resulta que ha inundado el piso del vecino de abajo, dañando irremediablemente la alfombra; una maceta que cae y rompe artículos de valor, uno de los niños se lleva a otro con la bicicleta infligiéndole daños que requieren atención médica profesional, etc.

 

Alguien tiene que pagar en caso de siniestro

 

Vamos a emplear un ejemplo muy común. Tenemos a este vecino que durante su aseo personal diario en la ducha de su baño, y de alguna forma la estructura del edificio deja que se filtre un poco cada día, de forma que en los meses siguientes ha llegado a la pared del baño del vecino de abajo, dañando la pared y botando los azulejos. El seguro del propietario se encargará de pagar por el servicio de reparación, pero digamos que el vecino agraviado alega que en realidad no fue por accidente sino porque el causante es usualmente desconsiderado y suele aventar agua por todos lados. En éste caso, el seguro reclamará al dueño del seguro el dinero que ha invertido en la reparación, debido a que como antecedente, no puede asegurar que evitará incurrir en el mismo problema.

 

El Código Civil en su artículo 1563 estipula que “El arrendatario es responsable del deterioro o pérdida que tuviere la cosa arrendada, a no ser que pruebe haberse ocasionado sin culpa suya”. La única opción es demostrar que el sitio se encontraba en ese estado al momento de alquilar el departamento, pero lo tiene que hacer a través de un análisis de peritaje, lo que podría ocasionarle un gasto incluso mayor por el uso de estos servicios.

 

La ley indica que un inquilino es responsable de mantener el estado de la vivienda en las mismas condiciones en que le fue entregado y debe reparar todo aquello que dañe durante el tiempo que dure su estadía en el mismo. Aunque suena lógico, este tipo de situaciones tienden a malinterpretarse, así que lo adecuado es colocar esta responsabilidad en manos de una casa aseguradora, para lo que éstas fueron creadas.

 

En el artículo 43 de la ley de Contrato de Seguro, una vez que la compañía ha subsanado los gastos por indemnización, “podrá ejercitar los derechos y las acciones que por razón del siniestro correspondieran al asegurado frente a las personas responsables del mismo”. Significa que una vez pagado el daño, la aseguradora puede volver sus ojos hacia el responsable del evento para reclamar lo que ha invertido.

 

Artículos que debemos asegurar

 

a) Cualquier pertenencia personal que consideremos de valor. De esta forma podremos asegurarnos de obtener al menos los artículos remplazables de regreso.

b) Aquellos daños que puedan ser causados al inmueble, ya sea por incendio, inundación o por simple negligencia personal.

c) Responsabilidad Civil. Se refiere a la defensa legal, indemnización por daños causados por uso personal inadecuado, de la familia o de las mascotas a terceros.

d) Alojamiento. En caso de existir un problema que obligue a la familia a salir del inmueble y rentar otro espacio por un tiempo definido.

e) Robo o acto de vandalismo en casa y en la calle.

f) Sustitución de cerraduras en caso de que las hayamos extraviado y recordemos que la última vez que las teníamos en la mano fue en la calle.

g) Cuando se trata de armas, dinero en efectivo o joyas, las consideraciones se hacen por separado.

h) Daños por agua, averías y rompimiento de tuberías.

i) Lunas, espejos, cristales, mármoles, sanitarios, vitrocerámica

j) Daños por fenómenos meteorológicos

k) Responsabilidad civil del inquilino y su familia como usuarios de la vivienda y la comunidad de vecinos, como deportistas, usuarios de bicicleta.

l) Daños causados por sus animales domésticos, en caso de tenerlos.

m) Protección jurídica

n) Equipaje.

o) Si hace una mejora, por ejemplo, el cambio de azulejos o emplea alguna pintura especial ,resultará conviene informar al seguro para que esto sea incluido en la póliza.

 

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Facebook's Purchase of WhatsApp, Expanded Gender Identities Are Like Pop-Tart Sushi (That's a Compliment) I've got a new column up at Time. It's about Facebook's recent expansion of its gender-identity categories and, well, Kellogg's Pop-Tarts. As any consumer of Kellogg’s Pop-Tarts could have told you, Facebook’s new and expansive gender-identification options are a woefully lagging indicator of the wide-ranging and decades-long trend toward increasingly varied options for being in the world. That’s true whether you’re a toaster pastry or a human being. Indeed, until last week, Facebook users could only identify themselves as male or female, or just half the number of flavors available to Pop-Tart fans over 40 years ago.pre bonded hair Introduced in 1967 and named after the pop art craze surrounding Andy Warhol, Roy Lichenstein, and others, Kellogg’s popular breakfast product originally came in four flavors (blueberry, strawberry, brown sugar cinnamon, and the quickly discontinued apple currant). They’re now available in over 100 variations and versions. At a 2010 pop-up store in Times Square, customers could even create hyper-individualized flavors (and sample something called Pop-Tart sushi to boot). The same sort of expansive multiplication of variety has been happening to people. As the anthropologist and business-school professor Grant McCracken put it in his 1997 book Plenitude, we live in a world characterized by a quickening “speciation” of social types. “Teens,” he wrote, “were once understood in terms of those who were cool and those who weren’t.” In a tour of a Toronto mall in the late 1990s, McCracken’s adolescent guide pointed to 15 distinct types of young adults, including “heavy-metal rockers, surfer-skaters, b-girls, goths, and punks.” By now, the same tour would easily yield double or triple the number of types. In a broader context, then, Facebook’s new policy — which allows users to pick from phrases such as androgynous, intersex, transsexual, and dozens more — tells us less about changing social and sexual roles and more about the social-media giant’s desperate attempt to stay relevant in a world that often moves too fast even for its greatest innovators. Facebook’s purchase of WhatsApp, a dominant and fast-growing messaging app for smartphones, for $19 billion is another. I argue that Facebook has been long been too much of a "walled garden," in which users' choices and options are increasingly constrained. And so:

Via the Twitter feed of Reason Foundation's Adrian Moore comes this news story from Detroit's WXYZ. After three people try to break into her house, a mother of two breaks out a gun, starts shooting, and scatters the home invaders. Well worth watchng (hat tip: Independent Review Journal). Watch Reason TV's epic #Anarchy in Detroit series, which highlights how Motown residents are doing for themselves in a city gone bankrupt: remy hair extensions Left-wing moviemaker Oliver Stone talking about his support for Barry Goldwater and Ron Paul. Student for Liberty's Alexander McCobin laying out the basics of "second-wave libertarianism." Pop Art-style portraits of Ayn Rand that the novelist would likely have condemned. Watch above to see what Reason TV saw at 2014's International Students For Liberty Conference. Click below for HD, iPod, and audio versions of this video and subscribe to Reason.tv's YouTube channel to receive automatic notification when new material goes live. View this article.

France 24 The trial in Egypt of 20 journalists, including nine from Al Jazeera, on charges of allegedly aiding and abetting the Muslim Brotherhood and spreading false information about unrest in the country, was adjourned until March. Eight of the journalists have been detained since at least December, and one, Al Jazeera correspondent Peter Greste, penned a letter on the poor conditions at the prison he and others are being held.  Al Jazeera reports on Greste  and two other detained journalists who are with Al Jazeera English: Since their arrest, journalists have staged protests worldwide demanding their release, and rejecting claims the three have links to the Muslim Brotherhood, Egypt's former ruling party which has since been designated a "terrorist" group.The case is one of many that have led to criticism of Egypt's military-backed government, with rights groups pointing to growing intolerance for dissent in the Arab world's most populous country."Journalists should not have to risk years in an Egyptian prison for doing their job," Joe Stork, deputy Middle East director at Human Rights Watch, said in a statement."The prosecution of these journalists for speaking with Muslim Brotherhood members, coming after the prosecution of protesters and academics, shows how fast the space for dissent perruques cheveux naturels in Egypt is evaporating." Voice of America adds: Many Egyptians and the pro-government media suspect foreign journalists of unfair coverage of the political upheaval in Egypt, but special anger is reserved for Al Jazeera, the Qatar-based satellite channel that is widely seen as backing the Muslim Brotherhood of ousted President Mohamed Morsi.Qatar's rulers support the Muslim Brotherhood and Egypt's ex-president Mohamed Morsi, and Egypt's interim government has criticized Qatari leaders for giving safe haven to Muslim Brotherhood members. Voice of America is essentially a broadcast arm of the U.S. government, and has been accused of working against the government or supporting the opposition in places like Cuba and Ethiopia. In 2001, it won an ethics award for running an interview with Mullah Omar which it was pressured not to by the feds, but that was followed up by a restructuring to create VOA outlets that would be easier to manipulate politically, a move opposed by hundreds of VOA journalists. Journalists at both VOA and Al Jazeera, and at places like the BBC and euronews, as well as at outlets not owned, operated or affiliated with governments, are generally interested in the practice of journalism. The intertwining of the state and the media, however, is detrimental to a free press not just in a place like Egypt, where most media is state owned and the government appears in a total war against a free press, but also when governments, be they the U.S., the U.K. or Qatar, subsidize international media operations. Once the government is involved in media, the involvement will only grow. Even as Voice of America, the BBC, or Al Jazeera remain broadly trusted by their significant viewerships, the governments backing them move to crack down on a free press. The U.S. dropped 13 places in the most recent press freedom rankings, the U.K., like Egypt, is conflating journalism and terrorism, and in Qatar there is little of any free press. It’s ranked 133rd on the Reporter Without Borders index that dropped the U.S. to 45th and placed the U.K. at 33rd. Egypt is at 159 out of 180. § Credit: YanniKouts / Foter / CC BY European Union foreign ministers have agreed to impose sanctions on Ukrainian officials they deem "responsible for violence and excessive force." According to Swedish Foreign Minister Carl Bildt, the sanctions include travel bans as well as asset freezes. The news comes a day after it was reported that the U.S. was imposing visa restrictions on 20 Ukrainian officials. Anti-government protesters say that at least 100 protesters have been killed today, and the Ukrainian Interior Ministry claims that 67 police have been captured by protesters in Kiev. Two members of Ukraine’s Winter Olympics team have decided to pull out of the games in support of protesters. In the U.S., Sens. John McCain (R-Ariz.), Chris Murphy (D-Conn.), and Ted Cruz (R-Texas) have come out in favor of targeted sanctions. 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The Obama administration may want to make sure that when it comes to Ukraine, unlike Syria, Obama follows through on his previous statements. After the Assad regime used chemical weapons, thereby crossing the so-called “red line” mentioned by Obama, the retaliation was a deal relating to Syria’s chemical weapons agreed to with Russia. Since then the Syrian government, which is supported by Russia, has continued to wage war. More from Reason.com on the situation in Ukraine here.

Christopher J. Conover One of the few certainties of the Affordable Care Act is the tax load with which it's laden. The medical device tax, income tax surcharge on high-earners, tax on investment income, and others have all fueled complaints and, possibly, even killed some jobs. But these are all supposedly taxes on businesses and relatively prosperous families and individuals—the sort of people who make for unsympathetic victims when politicians are playing to the crowd. But, according to Christopher J. Conover of the Center for Health Policy & Inequalities Research at Duke University, low-income Americans shouldn't get too comfortable, because they're in for a soaking, too, as taxes on medical goods and services get passed along to them. At Forbes, Conover writes: Even the lowest income families (earning less than about $19,000 in 2012) will be on the hook for nearly $7,000 in Obamacare taxes over the decade that started last year. Let’s be clear. 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First, the agency selected eight categories of "critical information" such as the "environment" and "economic opportunities," that it believes local newscasters should cover. It plans to ask station managers, news directors, journalists, television anchors and on-air reporters to tell the government about their "news philosophy" and how the station ensures that the community gets critical information.The FCC also wants to wade into office politics. One question for reporters is: "Have you ever suggested coverage of what you consider a story with critical information for your customers that was rejected by management?" Follow-up questions ask for specifics about how editorial discretion is exercised, as well as the reasoning behind the decisions. Pai's piece doesn't mention it, but the commission also plans to look at newspaper and Internet content, areas that are outside the FCC's regulatory dominion. The agency quickly started dropping hints that it would be changing course. On February 12, Adweek reported that the CIN "may now be on hold," adding: "At the very least, the controversial sections of the study will be revisited under new chairman Tom Wheeler and incorporated into a new draft." This evidently was too vague to be reassuring, as worries about the plan have only intensified since then. The most bizarre thing about all this may be the disconnect between the study's content and the reason the FCC says it's doing it. The commission is supposed to report to Congress on "regulations prescribed to eliminate market entry barriers for entrepreneurs and other small businesses" and "proposals to eliminate statutory barriers to market entry by those entities." Somehow that requirement led to the CIN. Now, if the study shows that existing stations are ignoring important news, I suppose I can see how that would help make the case for allowing more stations on the air. But it's hard to see how a probe of the media's story selection practices is going to identify any actual barriers to creating those new stations. If you read the commission's research plan—I've embedded a copy at the end of this post—you'll find some pro forma references to finding "potential barriers to entry" but not much in the way of explaining how the questions Pai cited are going to do that. The good news is that I don't see overt signs of a different regulatory agenda in the plan's pages. The thing is written in the tone of someone who wants to understand what stories are being covered and where people turn for news, not someone with a preset remedy for the problems she might uncover. If this were a proposal at a department of sociology instead of a federal agency, it would be unobjectionable, even welcome. But because it's a federal agency—worse yet, an agency that decides whether the stations it's studying will have their broadcast licenses renewed—we have a case here of regulators probing people's speech and then being in a position to use its findings against them. What's most worrisome about this research plan may be the way its authors never pause to consider whether it's appropriate for the FCC to be asking about such things in the first place. (The closest it comes is when it notes that some of its questions might be seen as "sensitive." But it treats that as a barrier to getting sources to open up, not a reason to reconsider the project.) Nor is there any awareness of the idea that the government shouldn't be in the role of deciding what news is important. (Presumably we all agree that we need to know about, say, upcoming weather emergencies. But when you start asking reporters about the stories their editors spiked, you're bound to enter dicier territory.) Evidently, the Federal Communications Commission is so accustomed to seeing itself in the information management business that it takes these things for granted. But then, why shouldn't it? It's been regulating speech for decades now. Start worrying about this stuff, and you might start asking whether the First Amendment, properly understood, actually allows the FCC to issue licenses based on what people say or don't say on the air. And that isn't a conversation the commission will ever be eager to have. The research plan is embedded below.

Scott Shackford | Feb. 20, 2014 4:30 pm Credit: Dank Depot / Foter / CC BY The National Education Association, the large, powerful teacher’s union, has turned against Common Core standards for public schools. The president says some standards need to be rewritten with teacher input. The governor of Colorado expects the state to bring in more in tax revenue from marijuana sales than initially expected, which means they just can’t wait to spend it on government programs. Ahmed al-Darbi, a Guantanamo Bay prisoner from Saudi Arabia, has pleaded guilty to helping plan a suicide bombing off the cost of Yemen in 2002 that struck a French tanker, killing one. Oregon’s attorney general has joined Virginia’s by refusing to defend the state’s ban on gay marriage recognition. New York’s top court ruled that police lied too much to draw out confessions in two separate interrogations, and the statements were tossed out. Pussy Riot has released the video they shot yesterday at the Sochi Olympics, which includes them being attacked by Russians. Follow us on Facebook and Twitter , and don’t forget to sign up for Reason’s daily updates for more content.lace front wigs Photo Credit: Dank Depot / Foter / CC BY Scott Shackford is an associate editor at Reason.com Media Contact Reprint Requests

As the U.S. was fighting World War II, a group of social scientists thought they could create a different sort of propaganda, one that didn't treat Americans like an obedient mass. Instead they just came up with a subtler sort of manipulation. The Democratic Surround, a fascinating new history by the Stanford historian Fred Turner, traces that group's influence over the next two decades. In the process, Jesse Walker writes, Turner finds unexpected links between undertakings as different as the U.S.cosplay wigs Information Agency's Cold War campaigns and the Human Be-In, one of the most famous hippie festivals of the '60s. View this article.