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El seguro del hogar siendo inquilino ¿Qué debes saber?
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El seguro del hogar siendo inquilino ¿Qué debes saber?

Una duda común que nos encontramos es sobre la obligación o necesidad de un seguro del hogar siendo inquilino. Lo primero que debemos saber es que no es obligatorio, no hay ninguna ley que así lo indique, no obstante, el propietario podría ponerlo de condición para alquilar el inmueble.

Respecto a la necesidad, debemos tener en cuenta dos aspectos, que los bienes del inquilino no están cubiertos por el seguro del propietario y que la responsabilidad civil tampoco. Es decir, el seguro del hogar del propietario no responderá de los bienes que sean del inquilino en caso de siniestro,  como muebles, electrodomésticos o cualquier objeto, para ello debemos contratar nuestro propio seguro del hogar.

El seguro del hogar que tenga el propietario tampoco cubrirá la responsabilidad civil del inquilino, ni la responsabilidad civil locativa, que se refiere a los daños que se ocasionen al inmueble, ni la responsabilidad civil familiar, que son los daños que se produzcan a terceras personas por los familiares del inquilino. Dentro de este marco entrarían por ejemplo los incendios provocados por el inquilino, daños causados por agua (producidos por dejar un grifo abierto por ejemplo), un objeto que caiga a la calle, daños ocasionados por una mascota del inquilino, etc.

Otro caso en que te puede ayudar tener seguro del hogar siendo inquilino es cuando el propietario no lo tiene, o no quiere hacerse cargo de algún desperfecto o siniestro en la vivienda.

Al pedir un presupuesto del seguro del hogar convendría ponernos de acuerdo con el propietario para evitar duplicar coberturas, incluso podría ser más cómodo hacerlo con la misma compañía, aunque esto no es un requisito.




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Deja un comentario
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