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  <!-- 1. PÁGINA PRINCIPAL / INICIO -->
  <url>
    <loc>https://segurostotalprotection.com/</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/icono.png</image:loc>
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    <image:image>
      <image:loc>https://segurostotalprotection.com/images/logo.webp</image:loc>
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    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-vehiculo.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-hogar.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-vida.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-salud.webp</image:loc>
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    <image:image>
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    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/" />
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    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/" />
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  <!-- 2. PÁGINAS REGIONALES ESPECIALIZADAS: BOGOTÁ Y COLOMBIA -->
  <url>
    <loc>https://segurostotalprotection.com/seguros-en-bogota</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
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    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/seguros-en-bogota" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/seguros-en-bogota" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/seguros-en-bogota" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/seguros-en-colombia</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/icono.png</image:loc>
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    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/seguros-en-colombia" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/seguros-en-colombia" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/seguros-en-colombia" />
  </url>

  <!-- 3. CATÁLOGO PRINCIPAL DE SEGUROS -->
  <url>
    <loc>https://segurostotalprotection.com/seguros</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-vehiculo.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-hogar.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-vida.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-salud.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-soat.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-arl.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-pyme.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/seguros" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/seguros" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/seguros" />
  </url>

  <!-- 4. PÁGINAS CANÓNICAS POR CADA RAMO DE SEGURO (HTTP 200) -->
  <url>
    <loc>https://segurostotalprotection.com/seguro-vehiculo</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-vehiculo.webp</image:loc>
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    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/seguro-vehiculo" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/seguro-vehiculo" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/seguro-vehiculo" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/seguro-hogar</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-hogar.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/seguro-hogar" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/seguro-hogar" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/seguro-hogar" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/seguro-vida</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-vida.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/seguro-vida" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/seguro-vida" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/seguro-vida" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/seguro-salud</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-salud.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/seguro-salud" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/seguro-salud" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/seguro-salud" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/soat</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-soat.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/soat" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/soat" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/soat" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/arl</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-arl.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/arl" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/arl" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/arl" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/seguro-pyme</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/seguro-pyme.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/seguro-pyme" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/seguro-pyme" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/seguro-pyme" />
  </url>

  <!-- 5. CENTRO DE RECURSOS Y GUÍAS TÉCNICAS EDUCATIVAS -->
  <url>
    <loc>https://segurostotalprotection.com/recursos</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-deducible.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-cobertura.webp</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-hogar.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/recursos" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/recursos" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/recursos" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/que-es-el-deducible-seguro-auto</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-deducible.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/que-es-el-deducible-seguro-auto" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/que-es-el-deducible-seguro-auto" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/que-es-el-deducible-seguro-auto" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/cobertura-vs-exclusion-seguros</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-cobertura.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/cobertura-vs-exclusion-seguros" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/cobertura-vs-exclusion-seguros" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/cobertura-vs-exclusion-seguros" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/puntos-clave-contratar-seguro</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-consejos.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/puntos-clave-contratar-seguro" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/puntos-clave-contratar-seguro" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/puntos-clave-contratar-seguro" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/como-elegir-seguro-vida-colombia</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-vida.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/como-elegir-seguro-vida-colombia" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/como-elegir-seguro-vida-colombia" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/como-elegir-seguro-vida-colombia" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/como-cotizar-seguro-rapido</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-cotizacion.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/como-cotizar-seguro-rapido" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/como-cotizar-seguro-rapido" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/como-cotizar-seguro-rapido" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/el-hogar-digital-una-nueva-dimension-en-los-seguros-de-hogar</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-hogar.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/el-hogar-digital-una-nueva-dimension-en-los-seguros-de-hogar" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/el-hogar-digital-una-nueva-dimension-en-los-seguros-de-hogar" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/el-hogar-digital-una-nueva-dimension-en-los-seguros-de-hogar" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/soat-vs-seguro-todo-riesgo-diferencias</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-soat.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/soat-vs-seguro-todo-riesgo-diferencias" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/soat-vs-seguro-todo-riesgo-diferencias" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/soat-vs-seguro-todo-riesgo-diferencias" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/arl-obligatoria-responsabilidades-empleador</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-arl.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/arl-obligatoria-responsabilidades-empleador" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/arl-obligatoria-responsabilidades-empleador" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/arl-obligatoria-responsabilidades-empleador" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/poliza-salud-vs-medicina-prepagada-colombia</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/images/recurso-salud.webp</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/poliza-salud-vs-medicina-prepagada-colombia" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/poliza-salud-vs-medicina-prepagada-colombia" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/poliza-salud-vs-medicina-prepagada-colombia" />
  </url>

  <!-- 6. PREGUNTAS FRECUENTES (FAQs) Y CANALES DE CONTACTO -->
  <url>
    <loc>https://segurostotalprotection.com/faqs</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/icono.png</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/faqs" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/faqs" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/faqs" />
  </url>

  <url>
    <loc>https://segurostotalprotection.com/contacto</loc>
    <lastmod>2026-11-05</lastmod>
    <image:image>
      <image:loc>https://segurostotalprotection.com/icono.png</image:loc>
    </image:image>
    <xhtml:link rel="alternate" hreflang="es-CO" href="https://segurostotalprotection.com/contacto" />
    <xhtml:link rel="alternate" hreflang="es" href="https://segurostotalprotection.com/contacto" />
    <xhtml:link rel="alternate" hreflang="x-default" href="https://segurostotalprotection.com/contacto" />
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