{"id":1250950,"date":"2023-02-23T11:06:37","date_gmt":"2023-02-23T16:06:37","guid":{"rendered":"https:\/\/stepstojustice.ca\/steps\/\/2-understand-what-tenant-insurance-covers\/"},"modified":"2023-03-03T16:01:58","modified_gmt":"2023-03-03T21:01:58","slug":"2-se-renseigner-sur-la-couverture","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/housing-law\/2-se-renseigner-sur-la-couverture\/","title":{"rendered":"2. Se renseigner sur la couverture"},"content":{"rendered":"<p>L&#8217;assurance locataire ressemble aux autres assurances. Vous payez \u00e0 l&#8217;assureur un montant chaque mois ou ann\u00e9e et en \u00e9change, il rembourse g\u00e9n\u00e9ralement les frais en cas d&#8217;accident ou de dommage. Votre contrat d&#8217;assurance pr\u00e9cise ce qui est couvert et le montant qui vous sera rembours\u00e9.<\/p>\n<p>Une assurance locataire couvre g\u00e9n\u00e9ralement\u00a0:<\/p>\n<ul>\n<li>la responsabilit\u00e9 civile,<\/li>\n<li>les frais de subsistance,<\/li>\n<li>les biens.<\/li>\n<\/ul>\n<h4><strong>Couverture pour responsabilit\u00e9 civile<\/strong><\/h4>\n<p>La couverture pour responsabilit\u00e9 civile vous prot\u00e8ge si vous endommagez la propri\u00e9t\u00e9 du <span class=\"no-glossary\">propri\u00e9taire<\/span> ou le logement d&#8217;un autre locataire par accident. Par exemple, elle peut servir \u00e0 payer les r\u00e9parations en cas d&#8217;incendie parce que vous avez oubli\u00e9 de fermer votre cuisini\u00e8re.<\/p>\n<p>Elle vous prot\u00e8ge aussi si quelqu&#8217;un vous poursuit en justice parce qu&#8217;il s&#8217;est bless\u00e9 chez vous.<\/p>\n<h4>Frais de subsistance<\/h4>\n<p>Si vous ne pouvez pas rester chez vous parce que votre logement est endommag\u00e9 et que votre assurance couvre les frais de subsistance, votre assureur pourrait vous verser un montant pour rester ailleurs. Par exemple, en cas d&#8217;incendie, votre assurance pourrait couvrir le prix des repas et d&#8217;un s\u00e9jour \u00e0 l&#8217;h\u00f4tel jusqu&#8217;\u00e0 ce que vous puissiez retourner chez vous.<\/p>\n<h4>Assurance mobili\u00e8re<\/h4>\n<p>L&#8217;assurance mobili\u00e8re prot\u00e8ge vos biens contre les risques courants, comme le vol, les incendies ou les inondations. Au besoin, votre assureur vous aide \u00e0 payer la r\u00e9paration ou le remplacement de vos biens endommag\u00e9s.<\/p>\n<p>Il est recommand\u00e9 de <a href=\"\/fr\/resource\/take-inventory-of-your-home\/\" target=\"_blank\" rel=\"noopener\">conserver une trace<\/a> de vos objets de valeur, comme vos meubles, t\u00e9l\u00e9phones ou t\u00e9l\u00e9visions. Gardez les re\u00e7us en lieu s\u00fbr et prenez des photos ou faites des vid\u00e9os de ces objets. Votre assureur vous demandera probablement des preuves que vous poss\u00e9diez un bien avant de vous verser de l&#8217;argent pour le r\u00e9parer ou le remplacer.<\/p>\n<h4>Assurance du propri\u00e9taire<\/h4>\n<p>Si le b\u00e2timent est endommag\u00e9 ou quelqu&#8217;un bless\u00e9 sur place par votre <span class=\"no-glossary\">propri\u00e9taire<\/span>, l&#8217;assurance de ce dernier devrait couvrir les frais.<\/p>\n<p>Normalement, l&#8217;assurance de votre <span class=\"no-glossary\">propri\u00e9taire<\/span> ne couvre pas les dommages \u00e0 vos biens personnels, comme vos meubles, vos v\u00eatements ou vos appareils \u00e9lectroniques. Mais votre <span class=\"no-glossary\">propri\u00e9taire<\/span> pourrait \u00eatre responsable si les biens dans votre logement sont endommag\u00e9s par sa faute. Par exemple, son assurance pourrait couvrir les dommages caus\u00e9s \u00e0 vos biens par l&#8217;eau parce qu&#8217;il n&#8217;a pas r\u00e9par\u00e9 la plomberie ou le toit qui fuit.<\/p>\n<p>Toutefois, si ce n&#8217;est pas de sa faute, ce sera \u00e0 vous et \u00e0 votre assureur de couvrir les dommages \u00e0 vos biens.<\/p>\n<p>Par exemple, en cas de temp\u00eate violente, l&#8217;assurance de votre <span class=\"no-glossary\">propri\u00e9taire<\/span> paiera les r\u00e9parations au b\u00e2timent, mais pas le remplacement de vos biens endommag\u00e9s.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"author":6,"featured_media":0,"template":"","class_list":["post-1250950","steps","type-steps","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>2. 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