{"id":2863,"date":"2009-04-06T16:49:39","date_gmt":"2009-04-06T14:49:39","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/assurance\/multirisque-habitation-les-biens-couverts-par-le-contrat-d-assurance.html"},"modified":"2025-09-08T12:40:31","modified_gmt":"2025-09-08T10:40:31","slug":"multirisque-habitation-les-biens-couverts-par-le-contrat-d-assurance","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/assurance\/multirisque-habitation-les-biens-couverts-par-le-contrat-d-assurance.html","title":{"rendered":"Multirisque habitation : les biens couverts par le contrat d&rsquo;assurance"},"content":{"rendered":"<p>Sont ainsi couverts vos biens immobiliers, les embellissements et les am\u00e9nagements que vous avez pu y faire, votre mobilier personnel ainsi que les biens \u00e0 usage professionnel.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Biens_immobiliers_tous_vos_batiments_sont_concernes\"><\/span><strong>Biens immobiliers : tous vos b\u00e2timents sont concern\u00e9s<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les contrats multirisques habitation garantissent tous les b\u00e2timents vous appartenant ainsi que leurs am\u00e9nagements et installations qui ne peuvent \u00eatre d\u00e9tach\u00e9s sans \u00eatre d\u00e9t\u00e9rior\u00e9s ou sans d\u00e9t\u00e9riorer la construction. Cela concerne les b\u00e2timents suivants : tous les locaux \u00e0 usage d&rsquo;habitation (maisons individuelles, appartements), ainsi que les d\u00e9pendances. Cette notion de d\u00e9pendances recouvre les b\u00e2timents (ou parties de b\u00e2timents) non am\u00e9nag\u00e9s ou non destin\u00e9s \u00e0 l&rsquo;habitation, sans communication int\u00e9rieure et directe avec vos locaux d&rsquo;habitation, tels que les caves, greniers, garages, celliers, buanderies, abris de jardins, remises&#8230;). G\u00e9n\u00e9ralement, les garages et autres box sont concern\u00e9s m\u00eames s&rsquo;ils ne sont pas localis\u00e9s \u00e0 votre adresse mais dans votre commune de r\u00e9sidence ou dans une commune voisine. Au-del\u00e0 d&rsquo;environ 10 km de votre habitation, une option est en r\u00e8gle g\u00e9n\u00e9rale n\u00e9cessaire. Ce point est \u00e0 v\u00e9rifier dans le contrat.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Biens_mobiliers_verifiez_les_limitations_et_les_garanties_en_option\"><\/span><strong>Biens mobiliers : v\u00e9rifiez les limitations et les garanties en option<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les contrats d&rsquo;assurance multirisque habitation couvrent non seulement le mobilier personnel vous appartenant ainsi &#8211; bien \u00e9videmment &#8211; qu&rsquo;aux membres de votre famille, mais aussi le cas \u00e9ch\u00e9ant \u00e0 vos employ\u00e9s et ouvriers et \u00e0 toute autre personne amen\u00e9e \u00e0 r\u00e9sider ou \u00e0 se trouver dans vos locaux, m\u00eame pour une dur\u00e9e de quelques instants. Ce mobilier englobe a priori tous les meubles (armoires, table, chaises, etc.) et objets (\u00e9lectrom\u00e9nager, linge, bibelots). Notez aussi que certains contrats d&rsquo;assurance assimilent des am\u00e9nagements et embellissements (placards, etc.) de votre logement \u00e0 du mobilier. A v\u00e9rifier avant de souscrire des garanties optionnelles sp\u00e9cifiques. Enfin, les animaux domestiques sont consid\u00e9r\u00e9s dans ces contrats d&rsquo;assurance comme du mobilier (!).<\/p>\n<table style=\"border: thin solid #b0b0b0;width: 100%;background-color: #e0e0dd\" border=\"0\" cellpadding=\"5\">\n<tbody>\n<tr>\n<td>\n<h2><span class=\"ez-toc-section\" id=\"Bien_evaluer_la_valeur_de_ses_biens_pour_ne_pas_etre_sur_ou_sous-assure\"><\/span><strong>Bien \u00e9valuer la valeur de ses biens pour ne pas \u00eatre sur ou sous-assur\u00e9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pour souscrire un contrat d&rsquo;assurance habitation, on vous demande g\u00e9n\u00e9ralement de d\u00e9terminer la valeur de vos biens. Cette \u00e9tape est fondamentale car elle vous permet de payer le juste prix et de ne pas risquer d&rsquo;\u00eatre sous-assur\u00e9 ou au contraire sur-assur\u00e9.<\/p>\n<p><span style=\"text-decoration: underline\">Comment faire un bon recensement ?<br \/>\n<\/span>Pour \u00eatre bien s\u00fbr d&rsquo;inventorier tout ce qui vous appartient, proc\u00e9dez pi\u00e8ce par pi\u00e8ce. Cela prend du temps mais c&rsquo;est le meilleur moyen de ne rien oublier.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Il existe cependant des biens qui, pour des raisons \u00e9videntes (de valeur), ne sont pas syst\u00e9matiquement couverts ou soumis \u00e0 des limitations de garanties. Fort logiquement, les produits suivants font donc l&rsquo;objet de plafonds de remboursements et n\u00e9cessitent bien souvent des garanties optionnelles :<\/p>\n<p>-Objets de valeur (meubles d&rsquo;\u00e9poque, tableaux, tapisseries, tapis d&rsquo;orient mais aussi fourrures et instruments de musique) et bijoux (auxquels peuvent \u00eatre associ\u00e9s pierreries, pierres pr\u00e9cieuses, perles)<br \/>\n-Argent liquide<br \/>\n-Mobilier situ\u00e9 dans les d\u00e9pendances<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Les_amenagements_et_embellissements_garanties_a_verifier\"><\/span><strong>Les am\u00e9nagements et embellissements : garanties \u00e0 v\u00e9rifier<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>G\u00e9n\u00e9ralement, les am\u00e9nagements et les embellissements que vous avez pu effectuer sont couverts par les contrats d&rsquo;assurance multirisque habitation. Point qui n\u00e9cessite cependant v\u00e9rification, certains am\u00e9nagements pouvant \u00eatre soumis \u00e0 options (panneaux solaires, etc.).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Les_biens_a_usage_professionnel_generalement_en_option\"><\/span><strong>Les biens \u00e0 usage professionnel : g\u00e9n\u00e9ralement en option<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L&rsquo;assurance des biens \u00e0 usage professionnel n&rsquo;est g\u00e9n\u00e9ralement pas pr\u00e9vue dans les garanties de base des contrats d&rsquo;assurance multirisque habitation. Il convient donc de souscrire des garanties optionnelles pour couvrir tous les mobiliers, instruments, outillages et machines utilis\u00e9s pour vos besoins professionnels.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quel que soit l&rsquo;\u00e9tablissement aupr\u00e8s duquel vous avez souscrit votre contrat multirisque habitation (assureur lui-m\u00eame, agent d&rsquo;assurance, courtier, mutuelle et ou banque) les garanties propos\u00e9es sont quasiment toujours les m\u00eames.<\/p>\n","protected":false},"author":13718,"featured_media":22462,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-2863","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-habitation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ 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