{"id":20760,"date":"2021-02-21T16:29:00","date_gmt":"2021-02-21T15:29:00","guid":{"rendered":"https:\/\/avoloi.eu\/?p=20760"},"modified":"2021-02-21T16:29:00","modified_gmt":"2021-02-21T15:29:00","slug":"quelle-assurance-habitation","status":"publish","type":"post","link":"https:\/\/avoloi.fr\/blog\/quelle-assurance-habitation\/","title":{"rendered":"Propri\u00e9taire, locataire, colocataire&#8230; Quelle assurance habitation ?"},"content":{"rendered":"<p style=\"text-align: justify;\">L&rsquo;assurance multirisques habitation fait partie des assurances auxquelles vous devez obligatoirement souscrire lorsque vous occupez un logement. Cette assurance est obligatoire que vous soyez locataire ou propri\u00e9taire du bien. Il existe plusieurs types de contrats en fonction de votre situation. Dans certaines rares exceptions, la souscription de l&rsquo;assurance n&rsquo;est pas obligatoire. Voici comment vous y retrouver.<\/p>\n<h2 style=\"text-align: justify;\"><strong>L&rsquo;assurance habitation : une protection obligatoire<\/strong><\/h2>\n<p style=\"text-align: justify;\">Lorsque vous occupez un logement, il est presque toujours obligatoire de souscrire une assurance multirisques habitation, c&rsquo;est la loi. Elle est indispensable pour prot\u00e9ger votre patrimoine. Elle permet \u00e9galement de couvrir votre responsabilit\u00e9 civile en cas de dommages caus\u00e9s \u00e0 des tiers.<\/p>\n<p style=\"text-align: justify;\">La l\u00e9gislation oblige les assureurs \u00e0 assurer un minimum de prestations pour couvrir les d\u00e9g\u00e2ts les plus communs, comme ceux plus rares. Vous pouvez donc \u00eatre couvert en cas d&rsquo;incendie, de d\u00e9g\u00e2t des eaux, de gel des canalisations. Le vol ou le vandalisme, mais aussi les cas de catastrophe naturelle (inondations ou temp\u00eates) peuvent \u00eatre pr\u00e9vus. Vous pouvez ajouter d&rsquo;autres prestations \u00e0 votre contrat en fonction des sp\u00e9cificit\u00e9s de votre logement ou de votre situation.<\/p>\n<h2 style=\"text-align: justify;\"><strong>L&rsquo;assurance habitation pour un locataire<\/strong><\/h2>\n<p style=\"text-align: justify;\">C&rsquo;est <a href=\"https:\/\/www.legifrance.gouv.fr\/loda\/id\/JORFTEXT000000509310\/\" target=\"_blank\" rel=\"noopener\">la loi du 6 juillet 1989<\/a> relative aux rapports locatifs qui oblige les locataires \u00e0 souscrire un contrat d&rsquo;assurance habitation. Ils doivent le faire pour le logement qu\u2019ils occupent pendant toute la p\u00e9riode d\u2019occupation. Le locataire doit signer un contrat suffisant pour couvrir les dommages qui pourraient \u00eatre caus\u00e9s au logement qu\u2019il habite.<\/p>\n<p style=\"text-align: justify;\">Les contrats basiques ne couvrent g\u00e9n\u00e9ralement pas les dommages caus\u00e9s aux tiers. Pour cela, des garanties compl\u00e9mentaires doivent \u00eatre souscrites. Vous pouvez changer d&rsquo;assurance habitation quand vous le souhaitez. Il faut toutefois faire attention aux dates de d\u00e9but et de fin de contrat. Le logement ne peut pas \u00eatre non assur\u00e9.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Quelle assurance pour des colocataires ?<\/strong><\/h2>\n<p style=\"text-align: justify;\">La colocation est un mode de communaut\u00e9 de plus en plus commun et ne d\u00e9roge pas aux r\u00e8gles d&rsquo;assurance. Toutefois, les colocataires ont le choix entre deux options concernant leur contrat.<\/p>\n<h3 style=\"text-align: justify;\"><strong>Le contrat collectif<\/strong><\/h3>\n<p style=\"text-align: justify;\">De nombreux assureurs proposent des contrats sp\u00e9cifiques aux colocations. Ils permettent de mettre tous les noms des occupants du logement sur un seul et m\u00eame document. Les garanties sont \u00e9quivalentes pour chacun des habitants et peuvent prendre en compte la garantie responsabilit\u00e9 civile. Il est n\u00e9cessaire de pr\u00e9voir la possibilit\u00e9 d&rsquo;un avenant au contrat en cas de changement de colocataire durant la dur\u00e9e d&rsquo;occupation du logement.<\/p>\n<h3 style=\"text-align: justify;\"><strong>Des contrats individuels<\/strong><\/h3>\n<p style=\"text-align: justify;\">Chaque membre de la colocation peut choisir de souscrire son propre contrat d&rsquo;assurance habitation. Cela \u00e0 l\u2019avantage de ne poser aucun probl\u00e8me au moment d&rsquo;un changement de colocataire. Cependant, cette m\u00e9thode a un inconv\u00e9nient majeur : le risque de litige entre les diff\u00e9rents assureurs en cas de sinistre. Pour pallier cette possible d\u00e9convenue, il est recommand\u00e9 de souscrire les contrats aupr\u00e8s d&rsquo;un seul et m\u00eame assureur.<br \/>La vie en communaut\u00e9 n\u00e9cessite \u00e9galement d&rsquo;\u00eatre couvert pour la responsabilit\u00e9 civile. Dans un contrat individuel, cette option est souvent facultative mais elle est fortement conseill\u00e9e dans le cadre d&rsquo;une colocation.<\/p>\n<h2 style=\"text-align: justify;\"><strong>Choisir une assurance quand on est propri\u00e9taire<\/strong><\/h2>\n<p style=\"text-align: justify;\">Tous les propri\u00e9taires ne sont pas forc\u00e9s de souscrire \u00e0 l&rsquo;assurance habitation. Cependant, celle-ci est recommand\u00e9e dans la plupart des cas. Seuls les copropri\u00e9taires doivent se soumettre \u00e0 l&rsquo;obligation.<\/p>\n<h3 style=\"text-align: justify;\"><strong>La propri\u00e9t\u00e9 individuelle<\/strong><\/h3>\n<p style=\"text-align: justify;\">Si vous \u00eates propri\u00e9taire d&rsquo;une maison individuelle ou d&rsquo;un bien ne r\u00e9pondant pas aux r\u00e8gles de la copropri\u00e9t\u00e9, rien ne vous oblige \u00e0 souscrire un contrat d&rsquo;assurance habitation. Toutefois, en cas de dommages caus\u00e9s \u00e0 autrui, vous devrez supporter les frais au titre de votre responsabilit\u00e9 civile. Tout d\u00e9g\u00e2t imput\u00e9 \u00e0 votre domicile et votre mobilier serait \u00e9galement \u00e0 votre charge. Or, les assurances prennent en compte ces probl\u00e9matiques.<\/p>\n<h3 style=\"text-align: justify;\"><strong>Le logement en copropri\u00e9t\u00e9<\/strong><\/h3>\n<p style=\"text-align: justify;\">Si vous avez achet\u00e9 un bien dans une copropri\u00e9t\u00e9, vous \u00eates responsable des dommages qui pourraient \u00eatre caus\u00e9s au sein de la copropri\u00e9t\u00e9, \u00e0 vos voisins et tiers ainsi qu&rsquo;\u00e0 d&rsquo;\u00e9ventuels locataires. Votre assurance habitation doit donc inclure imp\u00e9rativement une garantie responsabilit\u00e9 civile.<\/p>\n<h3 style=\"text-align: justify;\"><strong>Le cas du logement plac\u00e9 en location<\/strong><\/h3>\n<p style=\"text-align: justify;\">Si vous \u00eates propri\u00e9taire d&rsquo;un logement que vous avez mis en <a href=\"https:\/\/avoloi.eu\/tag\/location\/\">location<\/a> vous n&rsquo;\u00eates pas oblig\u00e9 de souscrire une assurance. Votre locataire y est toutefois oblig\u00e9. Il doit vous fournir une attestation prouvant qu&rsquo;il a bien sign\u00e9 un contrat en ce sens.<\/p>\n<p style=\"text-align: justify;\">Certains assureurs ont toutefois pris en compte cette situation particuli\u00e8re. Il est possible de souscrire un contrat sp\u00e9cial PNO (propri\u00e9taire non-occupant). Ce contrat peut couvrir le logement pendant les p\u00e9riodes d&rsquo;inoccupation ou durant le pr\u00e9avis donn\u00e9 par le locataire. Les garanties sont souvent minimes et couvrent les d\u00e9g\u00e2ts les plus courants comme les incendies ou les d\u00e9g\u00e2ts des eaux. Les catastrophes naturelles peuvent parfois \u00eatre incluses dans les conditions de garantie. Vous pouvez n\u00e9gocier aupr\u00e8s de votre assureur avant la signature du contrat et \u00e0 tout moment apr\u00e8s celle-ci.<\/p>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;assurance multirisques habitation fait partie des assurances auxquelles vous devez obligatoirement souscrire &#8230;.<\/p>\n","protected":false},"author":2,"featured_media":20761,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[280],"tags":[101,515,677,268,148,130,29,8],"class_list":["post-20760","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-des-assurances","tag-assurance","tag-assurance-habitation","tag-colocataire","tag-contrat","tag-coproprietaires","tag-copropriete","tag-locataire","tag-proprietaire"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Propri\u00e9taire, locataire, colocataire... 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