SEGUROS PARA INQUILINOS DE VIVIENDAS Y LOCALES
Por daños a los bienes (pisos, locales)
Garantías especiales para arrendatarios y arrendadores por los daños ocasionados al bien alquilado
¿Como se garantiza?
A través de la contratación de una póliza de Hogar especial para el Arrendatarito (inquilino)
Se les dará cobertura a los daños por las aguas, cristales, robo y daños etc. la responsabilidad civil de daños a terceros y en especial: Incluyendo la garantía de la Responsabilidad Civil Locativa.
¿Qué es la Responsabilidad Civil locativa?
La RC locativa es la cobertura que protege al arrendatario frente a los daños materiales que puedan producirse en el inmueble por incendio, rayo, explosión y daños agua.
Si el causante del incendio es el inquilino, aunque el propietario tenga una póliza de Hogar y su compañía le indemnice, esta repercutirá y reclamara los daños al causante de los mismos, en este caso, el Inquilino.
A modo de ejemplo, algo que ocurre con frecuencia son los incendios de las campanas extractoras cuando se está cocinando, y en este caso, el responsable es del inquilino.
El propietario igualmente debe de tener su póliza de Hogar, por si es el responsable de los daños que sufra la vivienda o por una Responsabilidad civil como propietario del inmueble.
El inquilino debe de tener su póliza de hogar como arrendatario y el arrendador debe de tener su póliza de hogar como propietario
Aunque el arrendador tenga la póliza de Hogar, el inquilino debe de contratar la suya como tal.
Igualmente, además de las garantías indicadas anteriormente, y como garantías específicas, el Arrendador tiene la garantía de la pérdida de alquileres en caso de siniestro y el arrendatario tendrá el desalojamiento forzoso, por el cual indemnizara para alquilar una vivienda o dias de Hotel mientras duran las obras de rehabilitación, todo ello hasta el límite asegurado en póliza.
SEGUROS DE IMPAGO DE ALQUILERES PARA ARRENDATARIOS
La póliza garantiza el pago de las Rentas del alquiler de la vivienda en caso de impago por parte del inquilino
Para la contratación de la póliza, como paso previo, la compañía realizará un estudio de solvencia del arrendatario, con el fin de aceptar el riesgo y emitir la correspondiente póliza de seguro
Garantías principales de la Póliza de Impago de Alquileres, y con los limites estipulados en la póliza;
- Le indemnizaran en caso de impago de las rentas del alquiler. (6/12 meses)
- Le indemnizara el impago de suministros (luz, agua, etc).
- Gastos de demanda y Desahucio.
- Cambio de Cerradura en caso de desahucio (aprox. 120 €)
- Gastos de Actos Vandálicos (aprox. hasta 3.000 €)
El Arrendador, en caso de impago de rentas, se enfrenta a una pérdida económica importante por el impago de sus alquileres y por gastos jurídicos que conlleva la demanda y desahucio y los posibles daños ocasionados a la vivienda.
Para realizar la póliza del impago de alquileres, se solicitará la documentación del inquilino, como:
– Nóminas
– Contratos laborales
– Vida laboral
– Declaración de renta
Así como un documento de autorización a favor de la compañía, firmado por el inquilino para el acceso a su documentación o acceso a archivos de solvencia.
Si los ingresos del inquilino, no fueran suficientes para dar respaldo al pago del alquiler, la compañía admite la inclusión de un avalista, el que deberá de constar igualmente en el contrato de arrendamiento
En caso de impago, lo importante es dar aviso a la compañía, no más tarde de 45 dias desde producirse el primer impago, a partir de este momento la aseguradora inicia los trámites de reclamación, primero en vía amistosa y segunda demanda y desahucio si procede, y una vez interpuesta la demanda, el arrendador ya empieza a cobrar la renta de la aseguradora.
Desde TAGSE Seguros podemos dar respuesta a las necesidades de los Arrendadores y Arrendatarios.
Más información sin compromiso:
TAGSE MONZÓN C/ Pedro II, Nº2, Bajo 22400
Tel. 974 40 27 11
TAGSE AÍNSA Av. Pirenáica, Nº 12, Bajo 22330
Tel. 974 510 088
TAGSE BENASQUE Crta. de Francia, s/n 22440
Tel. 974 55 20 98
TAGSE BINÉFAR C/ San Quilez, 10 22500
Tel. 974 519 751
27 comentarios en «Seguros de hogar para inquilinos y seguro de impago de alquileres»
I have been surfing online greater than 3 hours as of late, but I never found any interesting article like yours. It?¦s beautiful worth sufficient for me. Personally, if all web owners and bloggers made excellent content material as you did, the web might be a lot more helpful than ever before.
Would you be fascinated by exchanging links?
Hello! This post couldn’t be written any better! Reading this post reminds me of my good old room mate! He always kept talking about this. I will forward this post to him. Pretty sure he will have a good read. Thanks for sharing!
Very interesting topic, thanks for putting up. «The rest is silence.» by William Shakespeare.
Hello there, I found your website via Google while looking for a related topic, your web site came up, it looks good. I have bookmarked it in my google bookmarks.
It’s hard to find knowledgeable people on this topic, but you sound like you know what you’re talking about! Thanks
You actually make it appear really easy along with your presentation however I in finding this topic to be actually something that I think I might by no means understand. It sort of feels too complex and extremely huge for me. I am taking a look forward to your subsequent publish, I¦ll attempt to get the cling of it!
Thanks for the sensible critique. Me and my neighbor were just preparing to do some research about this. We got a grab a book from our local library but I think I learned more clear from this post. I’m very glad to see such magnificent information being shared freely out there.
Thank you for sharing excellent informations. Your site is very cool. I am impressed by the details that you?¦ve on this website. It reveals how nicely you perceive this subject. Bookmarked this web page, will come back for more articles. You, my friend, ROCK! I found just the information I already searched all over the place and simply couldn’t come across. What an ideal web site.
Great post. I used to be checking constantly this weblog and I’m inspired! Extremely useful info particularly the final phase 🙂 I deal with such information much. I used to be seeking this certain information for a very lengthy time. Thanks and best of luck.
It’s a pity you don’t have a donate button! I’d certainly donate to this fantastic blog! I guess for now i’ll settle for book-marking and adding your RSS feed to my Google account. I look forward to brand new updates and will share this blog with my Facebook group. Talk soon!
I believe this internet site contains some very excellent info for everyone : D.
I really like your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you? Plz respond as I’m looking to design my own blog and would like to find out where u got this from. thanks a lot
Hey! This post couldn’t be written any better! Reading through this post reminds me of my old room mate! He always kept talking about this. I will forward this write-up to him. Pretty sure he will have a good read. Many thanks for sharing!
I’ve been absent for a while, but now I remember why I used to love this website. Thank you, I will try and check back more frequently. How frequently you update your site?
Hello.This article was extremely interesting, particularly since I was browsing for thoughts on this matter last week.
Throughout this grand pattern of things you actually secure an A with regard to effort. Exactly where you confused me ended up being on your facts. You know, it is said, the devil is in the details… And it could not be much more correct at this point. Having said that, allow me reveal to you just what did work. Your authoring can be highly powerful and that is probably the reason why I am making an effort in order to opine. I do not make it a regular habit of doing that. Second, despite the fact that I can notice a leaps in reason you come up with, I am not certain of how you appear to connect the details which inturn help to make the actual conclusion. For the moment I will subscribe to your issue however trust in the foreseeable future you link the facts much better.
An impressive share, I just given this onto a colleague who was doing a little analysis on this. And he in fact bought me breakfast because I found it for him.. smile. So let me reword that: Thnx for the treat! But yeah Thnkx for spending the time to discuss this, I feel strongly about it and love reading more on this topic. If possible, as you become expertise, would you mind updating your blog with more details? It is highly helpful for me. Big thumb up for this blog post!
Wonderful items from you, man. I have consider your stuff prior to and you are simply too fantastic. I actually like what you have bought right here, certainly like what you are stating and the way in which in which you assert it. You make it enjoyable and you continue to take care of to keep it sensible. I cant wait to learn far more from you. That is really a terrific web site.
I truly appreciate this post. I have been looking everywhere for this! Thank goodness I found it on Bing. You have made my day! Thx again
Dieses Buch kann einen gro?en Unterschied darin machen, wie wir miteinander, mit uns selbst und mit den gro?en Freuden der Welt umgehen
Hi my loved one! I wish to say that this post is amazing, nice written and include approximately all vital infos. I’d like to peer more posts like this.
I’ve read several just right stuff here. Certainly price bookmarking for revisiting. I wonder how a lot effort you place to create this kind of great informative website.
I was very happy to search out this internet-site.I needed to thanks for your time for this wonderful read!! I positively enjoying every little bit of it and I’ve you bookmarked to take a look at new stuff you weblog post.
This actually answered my downside, thank you!
I will right away seize your rss as I can’t find your email subscription hyperlink or newsletter service. Do you’ve any? Kindly permit me realize so that I may just subscribe. Thanks.
This is the right blog for anyone who wants to find out about this topic. You realize so much its almost hard to argue with you (not that I actually would want…HaHa). You definitely put a new spin on a topic thats been written about for years. Great stuff, just great!