{"id":2691,"date":"2024-02-02T16:55:40","date_gmt":"2024-02-02T16:55:40","guid":{"rendered":"https:\/\/caralticonesa.com\/?p=2691"},"modified":"2024-02-29T16:06:12","modified_gmt":"2024-02-29T16:06:12","slug":"5-consells-per-assegurar-de-la-teva-llar","status":"publish","type":"post","link":"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/","title":{"rendered":"5 Consells per assegurar la teva llar"},"content":{"rendered":"

1er Consell<\/span>
\nOn contractar?<\/span><\/h2>\n

Podem contractar l’asseguran\u00e7a de llar a diferents llocs o a trav\u00e9s de diversos canals, aqu\u00ed t’ expliquem les difer\u00e8ncies entre ells:<\/p>\n

BANC<\/strong>
\nNom\u00e9s amb oficines comercials, en cas de sinistre no podreu gestionar-ho amb ells ,us derivaran a un 900.
\nUs coaccioneran a canvi d’un descompte a la hipoteca o les despeses d’algun producte bancari per contractar-lo.<\/p>\n

COMPARADOR D’INTERNET O TEL\u00c8FON<\/strong>
\nTota la comunicaci\u00f3 ser\u00e0 digital i impersonal. Tot el cost que hem redu\u00eft mitjan\u00e7ant l’elecci\u00f3 de companyies de baix cost, ho perdrem en el moment de declara una incid\u00e8ncia o sinistre que no sigui clar a causa de la dificultat i el temps que necessitarem.<\/p>\n

COMPANYIA DIRECTA<\/strong>
\nA les seves oficines ens oferiran l’\u00fanica opci\u00f3 de qu\u00e8 disposen i argumentan que \u00e9s la que m\u00e9s ens conv\u00e9, i no podrem comparar amb altres. Quan hi hagi alguna diverg\u00e8ncia en la gesti\u00f3 o sinistre, no hi haur\u00e0 m\u00e9s criteri que el de la companyia, ja que el personal que ens at\u00e9n, sent professional, dep\u00e8n directament de l’asseguradora.<\/p>\n

CORREDORIA D’ASSEGURANCES<\/strong>
\nA les seves oficines ens oferiran diverses companyies asseguradores de preus, garanties i cobertures diferents, de manera objectiva us recomanaran, valorant servei, proximitat i efic\u00e0cia. I us acompanyaran en el moment de la renovaci\u00f3 per valorar si \u00e9s justa i si no ho fos us oferiran alguna nova opci\u00f3.<\/p>\n

2on Consell<\/span>
\nQuins valors assegurem?<\/span><\/h2>\n

A les assegurances de llar b\u00e0sicament hi ha tres grans capitals o valors a escollir que s\u00f3n: el valor de Continent o edificaci\u00f3<\/strong>, \u00e9s el cost de reconstrucci\u00f3 total de l’edificaci\u00f3, portes, finestres, instal\u00b7lacions, el valor el defineix el tipus d’habitatge o edificaci\u00f3 i la qualitat dels materials. A nivell d’exemple, un pis dins d’un edifici d’habitatges pot estar ben assegurat amb 1.100 \u20ac m2 constru\u00eft.
\nContingut<\/strong> , \u00e9s el valor dels b\u00e9ns que no formen part de l’edificaci\u00f3 , mobles , mobles de cuina i bany, electrodom\u00e8stics, roba, aixovar dom\u00e8stic , joies, televisors, cortines, la valoraci\u00f3 de tot aix\u00f2 s’ha de fer a valor de reposici\u00f3 o el que \u00e9s el mateix, el que ens costaria nou.La tre valor a assegurar es la Responsabilitat Civil ,en la majoria de companyies ens oferirent per defecte ja entre 300.000 \u20ac . 600.000\u20ac o superiors.<\/p>\n

3er Consell<\/span><\/h2>\n

Proteccions i alarmes?<\/span><\/h2>\n

Totes les companyies ens preguntaran, quines proteccions per robatori disposa l’habitatge, i cadascuna t\u00e9 els seus propis criteris encara que podem afirmar que: Quan ens pregunten per si hi ha reixes als habitatges, significa en totes les finiestres o portes\u00a0 de l’habitatge. Quan es parla de alarma, nom\u00e9s s\u00f3n v\u00e0lides les connectades a central receptora. Quan parla de porta protegida, entenen la majoria de companyies per portes massisses o amb contraxapat met\u00e0l\u00b7lic\u00a0 i amb un m\u00ednim de tres ancclatges.<\/p>\n

4art Consell<\/span>
\nCom s’asseguren joies?<\/span><\/h2>\n

La majoria de companyies limita el valor de les joies, i algunes fins i tot necessiten que estiguin relacionades en les condicions particulars. El m\u00e9s important \u00e9s con\u00e8ixer i tenir fotografiades les joies, perqu\u00e8 en cas de desaparici\u00f3 es pugui acreditar la preexist\u00e8ncia de les mateixes. tamb\u00e9 companyies que desglossen els valors de les joies en peces valorades en m\u00e9s de 6000\u20ac per unitat o de valor inferior.<\/p>\n

5e Consell<\/span>
\nPer qu\u00e8 augmenta el preu de la p\u00f2lissa a les renovacions?<\/span><\/h2>\n

La majoria d’asseguradores en la renovaci\u00f3 dels seus contractes, regularitssa els valors de l’edificaci\u00f3 i del contingut amplicant el creixement del ipc o una mica superiors: la fi \u00e9s que contractes antics no perdin la seva efectivitat amb el pas del temps.
\nSi estem segurs que aquesta ampliaci\u00f3 no \u00e9s necess\u00e0ria, ja que els valors de la polissa ja reflecteixen la realitat de l’habitatge, podem sol\u00b7licitar que siguin modificats els capitals a les xifres inicials i aix\u00ed\u00a0 evitar la pujada de la prima any a any.<\/p>\n

I com sempre des de Caralt i Conesa<\/a> us ajudarem a cercar la millor soluci\u00f3.<\/p>\n

Marc Conesa<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

1er Consell On contractar? Podem contractar l’asseguran\u00e7a de llar a diferents llocs o a trav\u00e9s de diversos canals, aqu\u00ed t’ expliquem les difer\u00e8ncies entre ells: […]<\/p>\n","protected":false},"author":1,"featured_media":2700,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[166,7],"tags":[],"class_list":["post-2691","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances-familiars","category-uncategorized-ca"],"yoast_head":"\n5 Consells per assegurar la teva llar - Caralt i Conesa<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Consells per assegurar la teva llar - Caralt i Conesa\" \/>\n<meta property=\"og:description\" content=\"1er Consell On contractar? Podem contractar l’asseguran\u00e7a de llar a diferents llocs o a trav\u00e9s de diversos canals, aqu\u00ed t’ expliquem les difer\u00e8ncies entre ells: […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/\" \/>\n<meta property=\"og:site_name\" content=\"Caralt i Conesa\" \/>\n<meta property=\"article:published_time\" content=\"2024-02-02T16:55:40+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-29T16:06:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/caralticonesa.com\/wp-content\/uploads\/2024\/02\/images-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"275\" \/>\n\t<meta property=\"og:image:height\" content=\"183\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"caralticonesa\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"caralticonesa\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/\",\"url\":\"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/\",\"name\":\"5 Consells per assegurar la teva llar - Caralt i Conesa\",\"isPartOf\":{\"@id\":\"https:\/\/caralticonesa.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/caralticonesa.com\/wp-content\/uploads\/2024\/02\/images-2.jpg\",\"datePublished\":\"2024-02-02T16:55:40+00:00\",\"dateModified\":\"2024-02-29T16:06:12+00:00\",\"author\":{\"@id\":\"https:\/\/caralticonesa.com\/#\/schema\/person\/e2a2530ba1848f127c765c6f1a15c57d\"},\"breadcrumb\":{\"@id\":\"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/#primaryimage\",\"url\":\"https:\/\/caralticonesa.com\/wp-content\/uploads\/2024\/02\/images-2.jpg\",\"contentUrl\":\"https:\/\/caralticonesa.com\/wp-content\/uploads\/2024\/02\/images-2.jpg\",\"width\":275,\"height\":183},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/caralticonesa.com\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"5 Consells per assegurar la teva llar\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/caralticonesa.com\/#website\",\"url\":\"https:\/\/caralticonesa.com\/\",\"name\":\"Caralt i Conesa\",\"description\":\"Otro sitio realizado con WordPress\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/caralticonesa.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/caralticonesa.com\/#\/schema\/person\/e2a2530ba1848f127c765c6f1a15c57d\",\"name\":\"caralticonesa\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/caralticonesa.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2e4a45cf8c1bc95afe79519e4bb42e61?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2e4a45cf8c1bc95afe79519e4bb42e61?s=96&d=mm&r=g\",\"caption\":\"caralticonesa\"},\"url\":\"https:\/\/caralticonesa.com\/ca\/author\/caralticonesa\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"5 Consells per assegurar la teva llar - Caralt i Conesa","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/caralticonesa.com\/ca\/5-consells-per-assegurar-de-la-teva-llar\/","og_locale":"ca_ES","og_type":"article","og_title":"5 Consells per assegurar la teva llar - Caralt i Conesa","og_description":"1er Consell On contractar? 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