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
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