{"id":4711,"date":"2019-12-18T17:00:14","date_gmt":"2019-12-18T20:00:14","guid":{"rendered":"https:\/\/sergiosampaio.com.br\/blog\/?p=4711"},"modified":"2020-02-06T11:49:52","modified_gmt":"2020-02-06T13:49:52","slug":"modificacoes-seguro-fianca-locaticia","status":"publish","type":"post","link":"https:\/\/sergiosampaio.com.br\/blog\/modificacoes-seguro-fianca-locaticia\/","title":{"rendered":"Novas Modifica\u00e7\u00f5es do Seguro de Fian\u00e7a Locat\u00edcia"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">Novas Modifica\u00e7\u00f5es do Seguro de Fian\u00e7a Locat\u00edcia<\/h1>\n\n\n\n<p>A Susep (Superintend\u00eancia de Seguros Privados) visando ampliar a transpar\u00eancia do mercado em 10\/06\/2019, publicou a circular SUSEP 587 que atualizou a regulamenta\u00e7\u00e3o do Seguro de Fian\u00e7a Locat\u00edcia, que \u00e9 nos termos do art. 37, III da Lei n\u00ba 8.245\/91, uma das modalidades de garantia ao contrato de loca\u00e7\u00e3o admitidas legalmente.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-style-large\"><p><strong>\u201c<em>O seguro fian\u00e7a locat\u00edcia destina-se a garantir o pagamento de indeniza\u00e7\u00e3o, ao segurado, pelos preju\u00edzos que venha a sofrer em decorr\u00eancia do inadimplemento das obriga\u00e7\u00f5es contratuais do locat\u00e1rio previstas no contrato de loca\u00e7\u00e3o do im\u00f3vel, de acordo com as coberturas contratadas e limites da ap\u00f3lice<\/em>\u201d.<\/strong><\/p><cite>De acordo com o art. 2\u00ba da circular<\/cite><\/blockquote>\n\n\n\n<p>Destacando que o locador \u00e9 o propriet\u00e1rio (segurado), e o locat\u00e1rio \u00e9 o contratante da ap\u00f3lice (garantido).<\/p>\n\n\n\n<p>Importante destacar que a abrang\u00eancia do seguro n\u00e3o engloba, somente, o atraso no pagamento dos alugu\u00e9is, afinal, al\u00e9m da obriga\u00e7\u00e3o de pagamento, o inquilino tamb\u00e9m \u00e9 respons\u00e1vel pela manuten\u00e7\u00e3o e conserva\u00e7\u00e3o do im\u00f3vel.<\/p>\n\n\n\n<p>Hoje a vig\u00eancia&nbsp; deste seguro \u00e9 anual (com renova\u00e7\u00e3o a cada 12 meses) . Ap\u00f3s&nbsp; as medidas entrarem em vigor a vig\u00eancia ser\u00e1 de acordo com a dura\u00e7\u00e3o da vig\u00eancia do contrato de loca\u00e7\u00e3o.<\/p>\n\n\n\n<p>Atualmente o locat\u00e1rio n\u00e3o tem acesso a ap\u00f3lice, mas a partir desta circular,&nbsp; passar\u00e1 a ter acesso o que resultar\u00e1 em mais transpar\u00eancia, o que \u00e9 muito bom, diga-se de passagem.<\/p>\n\n\n\n<p>Atualmente o cancelamento da ap\u00f3lice fica restrito ao propriet\u00e1rio do im\u00f3vel. Ap\u00f3s a circular entrar em vigor o inquilino poder\u00e1 tamb\u00e9m solicitar o cancelamento do seguro em caso de rescis\u00e3o contratual ou substitui\u00e7\u00e3o por outra garantia.<\/p>\n\n\n\n<p>Tamb\u00e9m a partir da vig\u00eancia desta circular os percentuais de comiss\u00e3o e pr\u00f3-labore, quando for o caso, ser\u00e3o divulgados sempre que solicitados.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">As principais mudan\u00e7as<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" loading=\"lazy\" width=\"730\" height=\"1024\" src=\"https:\/\/sergiosampaio.com.br\/blog\/wp-content\/uploads\/2019\/12\/modificac\u0327o\u0303es-no-seguro-de-fianc\u0327a-locati\u0301cia-730x1024.jpeg\" alt=\"modificac\u0327o\u0303es no seguro de fianc\u0327a locati\u0301cia\" class=\"wp-image-4712\" srcset=\"https:\/\/sergiosampaio.com.br\/blog\/wp-content\/uploads\/2019\/12\/modificac\u0327o\u0303es-no-seguro-de-fianc\u0327a-locati\u0301cia-730x1024.jpeg 730w, https:\/\/sergiosampaio.com.br\/blog\/wp-content\/uploads\/2019\/12\/modificac\u0327o\u0303es-no-seguro-de-fianc\u0327a-locati\u0301cia-214x300.jpeg 214w, https:\/\/sergiosampaio.com.br\/blog\/wp-content\/uploads\/2019\/12\/modificac\u0327o\u0303es-no-seguro-de-fianc\u0327a-locati\u0301cia-768x1077.jpeg 768w, https:\/\/sergiosampaio.com.br\/blog\/wp-content\/uploads\/2019\/12\/modificac\u0327o\u0303es-no-seguro-de-fianc\u0327a-locati\u0301cia-392x550.jpeg 392w, https:\/\/sergiosampaio.com.br\/blog\/wp-content\/uploads\/2019\/12\/modificac\u0327o\u0303es-no-seguro-de-fianc\u0327a-locati\u0301cia-392x550@2x.jpeg 785w, https:\/\/sergiosampaio.com.br\/blog\/wp-content\/uploads\/2019\/12\/modificac\u0327o\u0303es-no-seguro-de-fianc\u0327a-locati\u0301cia.jpeg 913w\" sizes=\"(max-width: 730px) 100vw, 730px\" \/><\/figure>\n\n\n\n<p>&nbsp;A circular pode ser conhecida em sua totalidade atrav\u00e9s <a href=\"http:\/\/www2.susep.gov.br\/bibliotecaweb\/docOriginal.aspx?tipo=1&amp;codigo=46175\">deste link<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Novas Modifica\u00e7\u00f5es do Seguro de Fian\u00e7a Locat\u00edcia A Susep (Superintend\u00eancia de Seguros Privados) visando ampliar a transpar\u00eancia do mercado em 10\/06\/2019, publicou a circular SUSEP 587 que atualizou a regulamenta\u00e7\u00e3o do Seguro de Fian\u00e7a Locat\u00edcia, que \u00e9 nos termos do art. 37, III da Lei n\u00ba 8.245\/91, uma das modalidades de garantia ao contrato de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4721,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[184,183],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - 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