Question:
What are extended and guaranteed replacement cost coverages?
Extendido y garantiza la cobertura de costo de reemplazo
Si su casa tiene que ser completamente reconstruido después de un desastre natural, la última cosa que quiere escuchar es que su seguro de ganado? T cubrir el costo total. Entonces, ¿cómo se puede evitar esto? Bueno, hay dos opciones disponibles para las personas que quieren dejar de lado este problema: ampliado y garantizado la cobertura de costo de reemplazo. Estos tipos de pólizas de seguro en cuenta la inflación, los cambios en los valores de la propiedad, y el costo de los materiales de construcción y mano de obra en el momento de la reconstrucción.
Extendido la cobertura de costo de reemplazo pagará hasta un monto preestablecido por encima del límite de la póliza para reconstruir una casa dañada o destruida. Por lo general, no es más de 120 a 125 por ciento. Garantizado la cobertura de costo de reemplazo no tiene límites, por lo que no se llevará a cabo a una cifra preestablecida específicos.
Estas políticas son principalmente beneficioso para las víctimas de grandes desastres naturales como terremotos o huracanes, porque el aumento repentino de la mano de obra y materiales, puede hacer subir los precios.
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| Sherril Steele-Carlin |
