{"id":51587,"date":"2025-03-13T11:19:14","date_gmt":"2025-03-13T15:19:14","guid":{"rendered":"https:\/\/www.univistainsurance.com\/?p=51587"},"modified":"2025-03-13T11:19:15","modified_gmt":"2025-03-13T15:19:15","slug":"costo-de-reposicion-vs-valor-actual-de-mercado","status":"publish","type":"post","link":"https:\/\/www.univistainsurance.com\/es\/blog\/costo-de-reposicion-vs-valor-actual-de-mercado\/","title":{"rendered":"Costo de reposici\u00f3n vs. valor actual de mercado"},"content":{"rendered":"\n<p>Al contratar un seguro de vivienda, es fundamental conocer el tipo de cobertura que ofrece el contrato: si est\u00e1 basado en el&nbsp;<strong>valor actual de mercado<\/strong>&nbsp;o en el&nbsp;<strong>costo de reemplazo o reposici\u00f3n<\/strong>.<\/p>\n\n\n\n<p>Algunas p\u00f3lizas de seguro de vivienda combinan diferentes coberturas en un mismo documento. Por ejemplo, pueden establecer que la&nbsp;<strong>estructura principal y otras estructuras<\/strong>&nbsp;est\u00e9n aseguradas por el costo de reemplazo, mientras que la&nbsp;<strong>propiedad personal<\/strong>&nbsp;se cubra seg\u00fan su valor actual de mercado. Adem\u00e1s, la p\u00f3liza especifica un l\u00edmite para cada cobertura y un deducible.<\/p>\n\n\n\n<p><strong>\u00bfQu\u00e9 significa esto?<\/strong><\/p>\n\n\n\n<p>El&nbsp;<strong>costo de reemplazo<\/strong>&nbsp;es el monto necesario para reparar o reconstruir la vivienda utilizando materiales de construcci\u00f3n actuales, mano de obra y permisos requeridos.<\/p>\n\n\n\n<p>Por ejemplo, en caso de incendio, el seguro cubrir\u00eda el costo de reconstrucci\u00f3n de la vivienda hasta los l\u00edmites establecidos en la p\u00f3liza, descontando el deducible.<\/p>\n\n\n\n<p>Por otro lado, el&nbsp;<strong>valor actual de mercado<\/strong>&nbsp;es el precio que tendr\u00eda el bien en el mercado en el momento del siniestro. Si la cobertura de propiedad personal se basa en este criterio, el seguro pagar\u00e1 el valor de los objetos da\u00f1ados, como un televisor, una cocina o una nevera, pero restando la depreciaci\u00f3n por el uso.<\/p>\n\n\n\n<p>Si la&nbsp;<strong>estructura principal<\/strong>&nbsp;estuviera asegurada por el valor actual de mercado, la aseguradora emitir\u00eda un pago basado en el precio de venta de la vivienda marcado por el precio de la zona. Sin embargo, este monto podr\u00eda ser insuficiente para cubrir los costos de reconstrucci\u00f3n, ya que los materiales y la mano de obra podr\u00edan tener un precio superior al valor de mercado de la casa.&nbsp;<\/p>\n\n\n\n<p>Por esta raz\u00f3n, es crucial&nbsp;<strong>revisar cuidadosamente<\/strong>&nbsp;los detalles de la p\u00f3liza antes de firmarla, comprendiendo las implicaciones de cada tipo de cobertura. Los especialistas recomiendan asegurar la vivienda por el valor de reposici\u00f3n.&nbsp;<\/p>\n\n\n\n<p>Si desea conocer m\u00e1s detalles sobre su seguro de propietario o est\u00e1 buscando una opci\u00f3n asequible,&nbsp;<strong>cont\u00e1ctenos al 51³Ô¹ÏºÚÁÏÍø<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Al contratar un seguro de vivienda, es fundamental conocer el tipo de cobertura que ofrece el contrato: si est\u00e1 basado en el&nbsp;valor actual de mercado&nbsp;o en el&nbsp;costo de reemplazo o reposici\u00f3n. Algunas p\u00f3lizas de seguro de vivienda combinan diferentes coberturas en un mismo documento. Por ejemplo, pueden establecer que la&nbsp;estructura principal y otras estructuras&nbsp;est\u00e9n aseguradas [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":51588,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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