{"id":35028,"date":"2025-06-09T09:00:00","date_gmt":"2025-06-09T07:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=35028"},"modified":"2025-05-28T13:47:02","modified_gmt":"2025-05-28T11:47:02","slug":"ocho-puntos-revisar-seguro-hogar","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/es\/magazine\/ocho-puntos-revisar-seguro-hogar\/","title":{"rendered":"Ocho puntos a revisar en tu seguro de hogar"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><strong>T\u2019has llegit la p\u00f2lissa de la teva asseguran\u00e7a de la llar? L&#8217;error m\u00e9s habitual en contractar una asseguran\u00e7a \u00e9s no revisar quines cobertures inclou la p\u00f2lissa. Per evitar sorpreses desagradables d\u2019\u00faltima hora, et detallem alguns punts del contracte en els que t\u2019has de fixar.<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p><b>La cobertura de continent cobreix els costos de reparaci\u00f3 o reconstrucci\u00f3 del teu habitatge <\/b><span style=\"font-weight: 400;\">en cas de desgr\u00e0cia. Per a diferenciar-ho del contingut, una f\u00f3rmula molt gr\u00e0fica \u00e9s imaginar que podem posar el nostre habitatge cap per avall. Tot el que cauria seria contingut, mentre que el que no cauria seria continent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cal tenir en compte que el valor de la cobertura de continent no representa el preu de compra o el valor de mercat del teu habitatge. Tampoc hauria d&#8217;incloure el valor del s\u00f2l sobre el qual es va construir la casa o l&#8217;edifici. En realitat, \u00e9s la quantitat que es necessitaria per reconstruir l&#8217;habitatge i deixar-lo com estava. Aquest valor es coneix com a \u00abcost de reconstrucci\u00f3\u00bb.<\/span><\/p>\n<p><b>L&#8217;asseguran\u00e7a de llar tamb\u00e9 inclou una secci\u00f3 dedicada al \u00abcontingut\u00bb<\/b><span style=\"font-weight: 400;\">, \u00e9s a dir, les teves coses (televisor, roba, ordinador, bicicleta, etc.). L&#8217;import que apareix en aquesta secci\u00f3 \u00e9s la quantitat que l&#8217;asseguran\u00e7a et pagar\u00e0 com a m\u00e0xim si passa alguna cosa amb les teves coses, d&#8217;aqu\u00ed que hagi de correspondre&#8217;s m\u00e9s o menys amb el seu valor real.<\/span><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"component gallery\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-lg-10 offset-lg-1\">\n        <div id=\"slider\" class=\"carousel slide\">\n          <div class=\"carousel-inner\">\n            <div class=\"carousel-item active video-player inline-player\" data-video-id=\"6308882785112\">\n              <img decoding=\"async\" class=\"d-block w-100\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/07\/THUMBNAIL_SANDRA_MOLAS_TOPIC_ASSEGURANCES.jpg\" alt=\"\">\n              <button type=\"button\" class=\"play\"><\/button>\n              <div class=\"carousel-caption\">\n                <p>Problemes habituals en l\u2019asseguran\u00e7a de la llar.<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div><div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>Les cl\u00e0usules de la p\u00f2lissa, a examen<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Aqu\u00ed tens alguns elements que hauries de tenir en compte per no pagar de m\u00e9s i que l\u2019asseguran\u00e7a no et pagui de menys en cas de sinistre:<\/span><\/p>\n<ul>\n<li><b>Evita duplicitats.<\/b><span style=\"font-weight: 400;\"> Si la teva finca t\u00e9 asseguran\u00e7a, comprova les seves cobertures, ja que podr\u00e0s excloure de la p\u00f2lissa particular els elements del continent que ja estiguin inclosos en l&#8217;asseguran\u00e7a comunit\u00e0ria. Tingues en compte que, en cas de sinistre, si un element est\u00e0 cobert tant per l&#8217;asseguran\u00e7a comunit\u00e0ria com pel teu particular, no el cobrar\u00e0s dues vegades.<\/span><\/li>\n<li><b>Assegura&#8217;t que la valoraci\u00f3 del continent \u00e9s correcta. <\/b><span style=\"font-weight: 400;\">Si els capitals assegurats estan molt per sobre del valor de la teva casa, est\u00e0s pagant per una protecci\u00f3 que no necessites, ja que en cas de sinistre l&#8217;asseguran\u00e7a nom\u00e9s pagar\u00e0 la reconstrucci\u00f3, res m\u00e9s. I, en el sentit contrari, si el valor de reconstrucci\u00f3 de la teva casa est\u00e0 per sobre dels capitals assegurats, l&#8217;asseguradora nom\u00e9s pagar\u00e0 fins als capitals assegurats, deixant-te coix en la teva recuperaci\u00f3. Per tant, has d&#8217;ajustar la p\u00f2lissa perqu\u00e8 estigui lleugerament per sobre del valor de la teva casa, per\u00f2 sense pagar per una cobertura innecess\u00e0ria. De manera orientativa, tingues en compte que la valoraci\u00f3 hauria d&#8217;oscil\u00b7lar entre uns 800 euros per metre quadrat en els pisos normals i els 1.300 euros en una casa unifamiliar.<\/span><\/li>\n<li><b>Comprova que la valoraci\u00f3 del contingut \u00e9s adequada.<\/b><span style=\"font-weight: 400;\"> Tingues en compte que les assegurances imposen l\u00edmits al valor individual de les teves coses que cobreixen per defecte. Normalment, els teus objectes valuosos necessitaran una cobertura addicional. Per tant, cal que els donis d&#8217;alta o la teva companyia nom\u00e9s et retornar\u00e0 fins al l\u00edmit individual que tens per defecte en la teva p\u00f2lissa. Et recomanem fer fotos (o un v\u00eddeo) de totes les teves coses. Per a estimar el seu valor, conv\u00e9 fer primer una llista amb els objectes de valor i calcular el seu cost, i despr\u00e9s estimar la xifra dels articles menys valuosos, com roba i utensilis de cuina, i arrodonir el seu valor.<\/span><\/li>\n<li><b>Vigila com es reflecteix la cobertura dels vidres.<\/b><span style=\"font-weight: 400;\"> La cobertura de vidres inclou des de finestres fins a miralls. Has d&#8217;assegurar-te que les finestres s&#8217;incloguin dins del capital i cobertures de continent, mentre que els miralls interiors s&#8217;inclouen en el contingut. De vegades les asseguradores utilitzen aquesta separaci\u00f3 per excloure part dels vidres de la cobertura, aix\u00ed que fixa&#8217;t si tots estan coberts.<\/span><\/li>\n<li><b>Tingues en compte la cobertura dels danys est\u00e8tics i la pisa sanit\u00e0ria. <\/b><span style=\"font-weight: 400;\">Banys, plaques de cocci\u00f3 i altres elements han d&#8217;estar protegits per aquestes cobertures. Algunes asseguradores inclouen aquests elements com a part del contingut, la qual cosa pot perjudicar-te si el capital assegurat est\u00e0 per sota del real. A m\u00e9s, pot fer que banys i cuines quedin fora de cobertures espec\u00edfiques, com els danys est\u00e8tics, si nom\u00e9s es cobreixen els danys del continent i banys i cuines es consideren contingut. Has de comprovar que la cobertura de danys est\u00e8tics cobreix les reparacions necess\u00e0ries per a mantenir la uniformitat est\u00e8tica de la teva casa despr\u00e9s d&#8217;un sinistre, ja que les asseguradores juguen molt amb les limitacions d&#8217;aquesta cobertura, especialment en banys i cuines. Comprova que la teva p\u00f2lissa cobreix la pisa sanit\u00e0ria com a continent i no t\u00e9 exclusions ocultes. Ni tampoc els danys est\u00e8tics, que han de cobrir un capital m\u00ednim de 2.000 euros.<\/span><\/li>\n<li><b>Assegura&#8217;t que l&#8217;asseguran\u00e7a cobreix el valor de reposici\u00f3 del contingut.<\/b><span style=\"font-weight: 400;\"> El valor real \u00e9s el valor que calculen la majoria de les asseguradores per a substituir les teves coses robades o danyades. Es calcula partint del que costaria avui aquest mateix article (el valor de reposici\u00f3) restant la p\u00e8rdua de valor a causa de l&#8217;edat, el desgast i els trencaments (depreciaci\u00f3). D&#8217;aqu\u00ed la import\u00e0ncia que l\u2019asseguran\u00e7a no cobreixi el valor real, sin\u00f3 el valor de reposici\u00f3, que ve a ser el preu pel qual es podria comprar avui el teu article (de la mateixa marca i model) si fos nou. En definitiva, el valor de reposici\u00f3 \u00e9s el preu de mercat. Si la teva asseguran\u00e7a utilitza el valor real, probablement et compensa buscar una asseguran\u00e7a amb preu similar que utilitzi el valor de reposici\u00f3.<\/span><\/li>\n<li><b>Comprova que la p\u00f2lissa s&#8217;inclou defensa legal. <\/b><span style=\"font-weight: 400;\">Sense aquesta cobertura, la teva asseguran\u00e7a no t&#8217;oferir\u00e0 el suport d&#8217;un advocat en cas de conflicte legal. Aquesta \u00e9s una de les primeres cobertures que les asseguradores tendeixen a retallar per oferir preus m\u00e9s baixos.<\/span><\/li>\n<li><b>Repassa si el preu contempla els elements de seguretat. <\/b><span style=\"font-weight: 400;\">El fet de posar una porta de seguretat fa que la majoria de les assegurances abaixin el preu de les cobertures relacionades amb robatori. I el mateix succeeix amb mesures de seguretat com a alarmes o reixes. Tamb\u00e9 elements com a sensors de fum o aigua haurien d&#8217;ajudar-te a reduir el preu de les cobertures relacionades amb aigua i foc. Assegura&#8217;t que aquests modificadors estan inclosos en la teva asseguran\u00e7a si els tens.<\/span><\/li>\n<\/ul>\n<p>Com a resum, podem destacar que \u00e9s fonamental que revisis els capitals assegurats i l\u2019adequaci\u00f3 a les caracter\u00edstiques del teu habitatge; comprovis que tots els l\u00edmits s\u00f3n correctes i cobreixen all\u00f2 que esperes, i que la teva asseguran\u00e7a contempla alguns modificadors en el preu per ajustar l\u2019import que pagues cada any als canvis que realitzes en la teva llar.<\/p>\n<p><b>Si vols con\u00e8ixer una asseguran\u00e7a justa per a la teva llar i per a la societat, descobreix <\/b><a href=\"https:\/\/www.11onze.cat\/11onze-segurs\/\" target=\"_blank\" rel=\"noopener\"><b>11Onze Segurs<\/b><\/a><b>.<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>Si t&#8217;ha agradat aquest article, et recomanem:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/deslligar-asseguranca-casa-hipoteca\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/07\/THUMBNAIL_DESVINCULAR.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Management<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Deslligar l\u2019asseguran\u00e7a de casa de la hipoteca<\/strong><\/p>\n              <span class=\"card-time\">6min lectura<\/span>\n              <p class=\"card-text small\">Has de contractar una asseguran\u00e7a per a la llar quan&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/analisi-millors-assegurances-llar\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/06\/THUMBNAIL_11ONZE_SEGURS_ARTICLE.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Management<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Les millors assegurances de la llar<\/strong><\/p>\n              <span class=\"card-time\">6min lectura<\/span>\n              <p class=\"card-text small\">Tothom est\u00e0 d\u2019acord que un bon prove\u00efdor d\u2019assegurances de&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/06\/THUMBNAIL_IMPORTANCIA_ASSEGURANC\u0327A_ESTAR_PROTEGITS_PILAR_OLTRA_TOPIC_4-scaled-1.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Management<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>https:\/\/www.11onze.cat\/magazine\/prescindir-assegurances\/<\/strong><\/p>\n              <span class=\"card-time\">6min lectura<\/span>\n              <p class=\"card-text small\">Molta gent t\u00e9 recances a l\u2019hora de contractar una asseguran\u00e7a&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":35008,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"content-type":"","footnotes":""},"categories":[28],"tags":[169],"class_list":["post-35028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar","tag-manage-es"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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