{"id":1833,"date":"2025-06-03T22:55:03","date_gmt":"2025-06-03T22:55:03","guid":{"rendered":"https:\/\/expertoinsurance.com\/blog\/?p=1833"},"modified":"2025-06-20T18:32:29","modified_gmt":"2025-06-20T18:32:29","slug":"seguro-de-auto-contra-tornados","status":"publish","type":"post","link":"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/","title":{"rendered":"Seguro de auto contra tornados en Texas"},"content":{"rendered":"\n<p>Si vives en Texas, sabes que los tornados son una amenaza constante que pueden suceder en cualquier momento. Pues, las tormentas severas provocan da\u00f1os graves o p\u00e9rdida total de tu coche. Por ello, <strong>contar con un seguro de auto contra tornados<\/strong> es una necesidad.<\/p>\n\n\n\n<p>A continuaci\u00f3n, te explicamos qu\u00e9 tipo de seguros necesitas, qu\u00e9 cubre, c\u00f3mo contratarlo y algunos consejos para proteger tu coche ante desastres naturales en Texas.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Tabla de contenido<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/#%C2%BFEl_seguro_de_auto_cubre_danos_por_tornados\" >\u00bfEl seguro de auto cubre da\u00f1os por tornados?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/#%C2%BFAnte_que_me_protege_la_cobertura_integral\" >\u00bfAnte qu\u00e9 me protege la cobertura integral?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/#%C2%BFCuanto_cuesta_un_seguro_con_cobertura_contra_tornados_en_Texas\" >\u00bfCu\u00e1nto cuesta un seguro con cobertura contra tornados en Texas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/#%C2%BFComo_contratar_un_seguro_de_auto_que_cubra_tornados\" >\u00bfC\u00f3mo contratar un seguro de auto que cubra tornados?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/#%C2%BFQue_hacer_si_tu_auto_sufre_danos_por_un_tornado\" >\u00bfQu\u00e9 hacer si tu auto sufre da\u00f1os por un tornado?<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEl_seguro_de_auto_cubre_danos_por_tornados\"><\/span><strong>\u00bfEl seguro de auto cubre da\u00f1os por tornados?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Depende del tipo de cobertura que tengas contratada, ya que, en Texas, el seguro de responsabilidad (m\u00ednimo obligatorio por ley) no cubre da\u00f1os causados por desastres naturales.<\/p>\n\n\n\n<p>El <strong>seguro de auto por colisi\u00f3n<\/strong> es una cobertura opciones que pueden adquirir los conductores y <strong>est\u00e1n protegidos ante reparaciones de su coche<\/strong> en caso de siniestro. Se adquiere junto con la cobertura integral para tener protecci\u00f3n con cobertura total.<\/p>\n\n\n\n<p>Si quieres una cobertura contra da\u00f1os por tornados o tormentas, la mejor opci\u00f3n es la cobertura integral, pues te cubre ante:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Incendio.<\/li>\n\n\n\n<li>Vandalismo.<\/li>\n\n\n\n<li>Robo del auto.<\/li>\n\n\n\n<li>Desastres naturales.<\/li>\n\n\n\n<li>Cristales y parabrisas rotos.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFAnte_que_me_protege_la_cobertura_integral\"><\/span><strong>\u00bfAnte qu\u00e9 me protege la cobertura integral?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Al contratar una cobertura integral <strong>obtienes una protecci\u00f3n para tu auto ante da\u00f1os causados por fen\u00f3menos naturales<\/strong>. La p\u00f3liza te cubre contra tornados, incluyendo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ca\u00edda de \u00e1rboles o ramas durante una tormenta.<\/li>\n\n\n\n<li>Da\u00f1os por granizo o escombros voladores.<\/li>\n\n\n\n<li>P\u00e9rdida total del veh\u00edculo por destrucci\u00f3n.<\/li>\n\n\n\n<li>Incendios causados por rayos o tormentas el\u00e9ctricas.<\/li>\n\n\n\n<li>Robo o vandalismo (tambi\u00e9n incluidos en esta cobertura).<\/li>\n<\/ul>\n\n\n\n<p>Es importante que revises los <strong>l\u00edmites de cobertura y deducible<\/strong>, pues determina cu\u00e1nto pagar\u00e1s si ocurre un accidente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_cuesta_un_seguro_con_cobertura_contra_tornados_en_Texas\"><\/span><strong>\u00bfCu\u00e1nto cuesta un seguro con cobertura contra tornados en Texas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Los costos del seguro de auto contra tornados en Texas dependen de factores como:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El valor de tu veh\u00edculo.<\/li>\n\n\n\n<li>Historial de manejo.<\/li>\n\n\n\n<li>C\u00f3digo postal (zonas con alto riesgo de tornados pueden tener primas m\u00e1s altas).<\/li>\n\n\n\n<li>Deducible que elijas.<\/li>\n<\/ul>\n\n\n\n<p>En promedio, agregar la cobertura integral puede aumentar entre $100 y $300 d\u00f3lares al a\u00f1o tu p\u00f3liza, no obstante, es un precio que puedes considerar en caso de p\u00e9rdida total de tu coche.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_contratar_un_seguro_de_auto_que_cubra_tornados\"><\/span><strong>\u00bfC\u00f3mo contratar un seguro de auto que cubra tornados?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Te damos una gu\u00eda para que puedas encontrar el mejor seguro contra tornados:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Revisa tu p\u00f3liza actual:<\/strong> Verifica si ya tienes cobertura integral o a\u00f1\u00e1dela para tener una mayor protecci\u00f3n.<\/li>\n\n\n\n<li><strong>Cotiza con diferentes aseguradoras:<\/strong> Hay opciones que ofrecen mayor protecci\u00f3n que otras. En el <a href=\"https:\/\/expertoinsurance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">cotizador de seguros de Experto Insurance<\/a> puedes encontrar las mejores opciones a precios accesibles.<\/li>\n\n\n\n<li><strong>Busca coberturas espec\u00edficas para fen\u00f3menos naturales:<\/strong> Algunas compa\u00f1\u00edas ofrecen protecciones adicionales o extensiones de cobertura.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_hacer_si_tu_auto_sufre_danos_por_un_tornado\"><\/span><strong>\u00bfQu\u00e9 hacer si tu auto sufre da\u00f1os por un tornado?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Documenta los da\u00f1os:<\/strong> Toma evidencia (fotos o videos) despu\u00e9s de lo acontecido.<\/li>\n\n\n\n<li><strong>Evita mover el veh\u00edculo.<\/strong><\/li>\n\n\n\n<li><strong>Comunica el siniestro a tu aseguradora lo antes posible.<\/strong><\/li>\n\n\n\n<li><strong>Sigue las indicaciones para una inspecci\u00f3n o env\u00edo al taller.<\/strong><\/li>\n<\/ol>\n\n\n\n<p>La mayor\u00eda de las compa\u00f1\u00edas en Texas cuentan con redes de reparaci\u00f3n y opciones de autos sustituto mientras tu coche este en el taller.<\/p>\n\n\n\n<p>Si estas en busca de una protecci\u00f3n ideal para tu coche, con <a href=\"https:\/\/expertoinsurance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experto Insurance<\/a> podr\u00e1s encontrar la mejor opci\u00f3n de aseguranza.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-circular\"><a class=\"wp-block-button__link has-white-color has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background has-text-color has-background wp-element-button\" href=\"https:\/\/www.expertoinsurance.com\/seguro-de-auto\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a1<strong>Cotiza ahora<\/strong>!<\/a><\/div>\n<\/div>\n\n\n<script>  const tipoform = \"auto\";<\/script>","protected":false},"excerpt":{"rendered":"<p>Si vives en Texas, sabes que los tornados son una amenaza constante que pueden suceder en cualquier momento. Pues, las [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":1834,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","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":"default","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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[125],"tags":[],"class_list":["post-1833","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Seguro de auto contra tornados en Texas<\/title>\r\n<meta name=\"description\" content=\"Las tormentas severas provocan da\u00f1os graves o p\u00e9rdida total de tu coche. Contar con un seguro de auto contra tornados es una necesidad.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Seguro de auto contra tornados en Texas\" \/>\r\n<meta property=\"og:description\" content=\"Las tormentas severas provocan da\u00f1os graves o p\u00e9rdida total de tu coche. Contar con un seguro de auto contra tornados es una necesidad.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/\" \/>\r\n<meta property=\"article:published_time\" content=\"2025-06-03T22:55:03+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2025-06-20T18:32:29+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/expertoinsurance.com\/blog\/wp-content\/uploads\/2025\/06\/Seguro-de-auto-contra-tornados-en-Texas.jpg\" \/>\r\n\t<meta property=\"og:image:width\" content=\"768\" \/>\r\n\t<meta property=\"og:image:height\" content=\"400\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\r\n<meta name=\"author\" content=\"Karina Estrada Bernal\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/karinabernaal98\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Karina Estrada Bernal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/\"},\"author\":{\"name\":\"Karina Estrada Bernal\",\"@id\":\"https:\/\/expertoinsurance.com\/blog\/#\/schema\/person\/d067c6487f55afc7e08e3c834e15c758\"},\"headline\":\"Seguro de auto contra tornados en Texas\",\"datePublished\":\"2025-06-03T22:55:03+00:00\",\"dateModified\":\"2025-06-20T18:32:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/\"},\"wordCount\":573,\"publisher\":{\"@id\":\"https:\/\/expertoinsurance.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/expertoinsurance.com\/blog\/wp-content\/uploads\/2025\/06\/Seguro-de-auto-contra-tornados-en-Texas.jpg\",\"articleSection\":{\"1\":\"Seguro de Auto\"},\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/\",\"url\":\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/\",\"name\":\"Seguro de auto contra tornados en Texas\",\"isPartOf\":{\"@id\":\"https:\/\/expertoinsurance.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/expertoinsurance.com\/blog\/seguro-de-auto-contra-tornados\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/expertoinsurance.com\/blog\/wp-content\/uploads\/2025\/06\/Seguro-de-auto-contra-tornados-en-Texas.jpg\",\"datePublished\":\"2025-06-03T22:55:03+00:00\",\"dateModified\":\"2025-06-20T18:32:29+00:00\",\"description\":\"Las tormentas severas provocan da\u00f1os graves o p\u00e9rdida total de tu coche. 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