{"id":16536,"date":"2018-03-06T12:49:33","date_gmt":"2018-03-06T17:49:33","guid":{"rendered":"https:\/\/voyer.ca\/?p=16536"},"modified":"2018-03-06T12:54:59","modified_gmt":"2018-03-06T17:54:59","slug":"lassurance-habitation-votre-alliee","status":"publish","type":"post","link":"https:\/\/voyer.ca\/fr\/lassurance-habitation-votre-alliee\/","title":{"rendered":"L\u2019assurance habitation: votre alli\u00e9e"},"content":{"rendered":"

Vous \u00eates locataire, propri\u00e9taire ou copropri\u00e9taire? Quel type d\u2019assurance habitation devriez-vous envisager? Tour d\u2019horizon rapide et infos pratiques.<\/strong>
\n <\/p>\n

L\u2019assurance habitation<\/strong>, c\u2019est cette protection<\/strong> qui vous permet de vaquer \u00e0 vos occupations quotidiennes et dormir sur vos deux oreilles sans avoir \u00e0 vous soucier des probl\u00e8mes financiers qui pourraient subvenir suite \u00e0 un vol, un incendie ou un accident \u00e0 votre domicile. Un must<\/em>, quoi.<\/p>\n

\"Assurance<\/p>\n

Assureur direct ou courtier en assurance<\/h3>\n

Lorsque vous magasinez une assurance habitation<\/strong>, plusieurs options s\u2019offrent \u00e0 vous. La premi\u00e8re est de contacter directement un assureur<\/strong> (Desjardins<\/a>, Belairdirect<\/a>, Promotuel<\/a>, Intact<\/a>, Sonnet<\/a>, La Capitale<\/a>, etc.) et demander une soumission \u00e0 un agent. Ce dernier vous posera quelques questions au sujet de votre habitation avant de vous sugg\u00e9rer des protections propres \u00e0 son entreprise. <\/p>\n

Sur le web, il existe des outils facilitateurs<\/strong> comme ClicAssure<\/a> comparant simultan\u00e9ment les assurances de plusieurs compagnies. Vous remplissez un questionnaire en ligne et le tour est jou\u00e9. Vous devrez n\u00e9anmoins contacter l\u2019assureur pour obtenir plus d\u2019informations.<\/p>\n

\"Courtier<\/p>\n

Vous pouvez \u00e9galement engager un courtier en assurances<\/a> qui vous proposera des polices provenant de diff\u00e9rents assureurs partenaires. L\u2019avantage du courtier, c\u2019est qu\u2019il peut vous conseiller sur l\u2019ensemble de vos besoins en assurances et n\u00e9gocier en votre nom aupr\u00e8s des assureurs en cas de r\u00e9clamation.<\/p>\n

Dans tous les cas, nous vous recommandons de prendre le temps d\u2019\u00e9valuer vos besoins<\/strong> et de faire l\u2019inventaire complet de vos biens<\/strong> (liste, factures, photos) pour d\u00e9terminer la valeur totale<\/strong> de ceux-ci. Puis, dans un deuxi\u00e8me temps, comparer les soumissions re\u00e7ues et analyser les inclusions et exclusions<\/strong> des diff\u00e9rentes protections. <\/p>\n

 <\/p>\n

Protections \u00e0 envisager<\/h3>\n

\u00c0 titre de locataire<\/strong>, vous devez poss\u00e9der une protection de base<\/strong>. Elle comprend l\u2019assurance de vos biens<\/strong> contre divers dommages: feu, vol, vandalisme, certains d\u00e9g\u00e2ts d\u2019eau \u2013 attention aux exclusions. Informez-vous sur la formule tous risques<\/strong> pour une protection plus compl\u00e8te. L\u2019assurance responsabilit\u00e9 civile<\/strong> vous prot\u00e8ge quant \u00e0 elle contre les impr\u00e9vus pouvant causer des dommages corporels ou mat\u00e9riels involontaires \u00e0 une autre personne<\/strong>. Par exemple, si quelqu\u2019un se blesse \u00e0 votre domicile. Ou si vous, vos enfants ou m\u00eame votre chien causez des dommages \u00e0 un individu \u00e0 l\u2019ext\u00e9rieur de votre domicile.<\/p>\n

\"Assurance<\/p>\n

Comme propri\u00e9taire<\/strong> d\u2019une maison unifamiliale, vous devez contracter une protection de base<\/strong> et envisager des protections compl\u00e9mentaires<\/strong> (pour certains biens faisant l\u2019objet de limitations, pour la location temporaire de votre maison ou d\u2019une chambre, etc.) La protection des dommages par l\u2019eau<\/strong> est l\u2019une des plus populaires (au-dessus et au niveau des fondations) et couvre les dommages caus\u00e9s par les infiltrations de pluie ou de neige par les toits, les murs, les portes et les fen\u00eatres ainsi que celles au niveau du sous-sol et par le refoulement des \u00e9gouts. Pensez \u00e9galement \u00e0 assurer votre piscine, spas et autres \u00e9quipements.<\/p>\n

\"D\u00e9g\u00e2ts<\/p>\n

Enfin, si vous \u00eates copropri\u00e9taire<\/strong> (condominium, jumel\u00e9, etc.) deux contrats d\u2019assurance doivent \u00eatre en vigueur. En cas de sinistre, ces deux polices pourraient partager l\u2019indemnisation. La premi\u00e8re est votre protection de base<\/strong> (assurance des biens et assurance responsabilit\u00e9 civile) et les protections compl\u00e9mentaires<\/strong>, si besoin. La deuxi\u00e8me est le contrat souscrit par votre syndicat des propri\u00e9taires<\/strong>. Il couvre les parties communes (halls, couloirs, escaliers, toiture, etc.), les parties privatives du b\u00e2timent (murs, planchers, fen\u00eatres, etc.) et la responsabilit\u00e9 civile du syndicat des copropri\u00e9taires.<\/p>\n

 <\/p>\n

Strat\u00e9gies pour \u00e9pargner<\/h3>\n

Les diff\u00e9rences de prix peuvent \u00eatre importantes d\u2019un assureur \u00e0 l\u2019autre. Prenez le temps de magasiner et de comparer les protections soumises. <\/p>\n

La plupart des assureurs proposent des \u00e9conomies int\u00e9ressantes<\/strong> si vous combinez plusieurs assurances<\/strong> (habitation, auto, voyage, etc.) Par ailleurs, certaines compagnies vous offrent des rabais<\/strong> si vous poss\u00e9dez un syst\u00e8me d\u2019alarme, un syst\u00e8me de d\u00e9tection de fuites d\u2019eau, si vous \u00eates \u00e9tudiant, etc.<\/p>\n

Enfin, si votre budget vous le permet, pensez \u00e0 augmenter votre franchise<\/strong> afin d\u2019\u00e9pargner sur le co\u00fbt mensuel de votre police d\u2019assurance.<\/p>\n

Pour de plus amples informations, n\u2019h\u00e9sitez pas \u00e0 contacter diff\u00e9rents assureurs ou consultez cet excellent guide sur le choix d\u2019une police d\u2019assurance<\/a>, r\u00e9alis\u00e9 par l\u2019Autorit\u00e9 des march\u00e9s financiers. <\/p>\n

 <\/p>\n

Habitez la qualit\u00e9 Voyer<\/h3>\n

Vous aimeriez louer ou acheter une propri\u00e9t\u00e9 sign\u00e9e Voyer? D\u00e9couvrez nos projets domiciliaires dans les secteurs de Laval, Terrebonne, Mirabel, Sept-\u00celes et L\u2019\u00cele-Perrot.<\/p>\n

Explorer<\/a><\/p>\n

 
\nBon magasinage!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Vous \u00eates locataire, propri\u00e9taire ou copropri\u00e9taire? Quel type d\u2019assurance habitation devriez-vous envisager? 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