{"id":2162,"date":"2021-01-27T18:43:52","date_gmt":"2021-01-27T17:43:52","guid":{"rendered":"https:\/\/garantie.be\/?page_id=2162"},"modified":"2025-11-03T16:11:29","modified_gmt":"2025-11-03T15:11:29","slug":"assurance-incendie-habitation-locataire","status":"publish","type":"page","link":"https:\/\/garantie.be\/fr\/assurance-incendie-habitation-locataire\/","title":{"rendered":"Assurance incendie du locataire en Belgique : couverture, obligations et prix"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2162\" class=\"elementor elementor-2162\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d92ec0a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d92ec0a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4ff0c080\" data-id=\"4ff0c080\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65f53956 elementor-widget elementor-widget-spacer\" data-id=\"65f53956\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f9d99ab elementor-widget elementor-widget-heading\" data-id=\"2f9d99ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Assurance incendie<br>\n<b>locataire<\/b><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4517569a elementor-widget elementor-widget-spacer\" data-id=\"4517569a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53d8f343 elementor-widget elementor-widget-text-editor\" data-id=\"53d8f343\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lorsqu\u2019un particulier loue un logement, le bailleur exige presque toujours la souscription d\u2019une <a href=\"https:\/\/garantie.be\/fr\/assurance-incendie-assurance-habitation-belgique\/\">assurance incendie<\/a>. Mais contrairement \u00e0 ce que son nom laisse penser, elle ne couvre pas seulement les incendies.\u00a0<strong>L\u2019assurance incendie du locataire<\/strong> prot\u00e8ge :<\/p><ul><li><p>Le logement occup\u00e9, contre les dommages caus\u00e9s par le locataire ;<\/p><\/li><li><p>La responsabilit\u00e9 locative envers le bailleur ;<\/p><\/li><li><p>Les biens personnels du locataire : mobilier, \u00e9lectrom\u00e9nager, effets personnels.<\/p><\/li><\/ul><p>En cas de sinistre (incendie, d\u00e9g\u00e2t des eaux, explosion, temp\u00eate\u2026), c\u2019est l\u2019assureur qui indemnise le propri\u00e9taire et rembourse le locataire pour les pertes subies selon les garanties souscrites.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59d02f47 elementor-widget elementor-widget-heading\" data-id=\"59d02f47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L\u2019assurance incendie est-elle obligatoire pour le locataire ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f22401c elementor-widget elementor-widget-text-editor\" data-id=\"f22401c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En Belgique, cette <strong>assurance est obligatoire<\/strong> dans la pratique :<\/p><ul><li><p>La majorit\u00e9 des bailleurs <strong>exigent une attestation d\u2019assurance<\/strong> avant la remise des cl\u00e9s.<\/p><\/li><li><p>En <strong>r\u00e9gion wallonne et en r\u00e9gion de Bruxelles<\/strong>\u00a0: La souscription d\u2019une <a href=\"https:\/\/garantie.be\/fr\/assurance-incendie-assurance-habitation-belgique\/\">assurance incendie<\/a> est l\u00e9galement obligatoire pour tout locataire.<\/p><\/li><li><p>En <strong>r\u00e9gion flamande<\/strong> : elle n\u2019est pas impos\u00e9e par la loi, mais reste quasi syst\u00e9matique dans les contrats de <a href=\"https:\/\/garantie.be\/fr\/bail-de-location\/\">bail de location<\/a>.<\/p><\/li><\/ul><p>En cas de sinistre (incendie, d\u00e9g\u00e2t des eaux, explosion, temp\u00eate\u2026), c\u2019est l\u2019assureur qui indemnise le propri\u00e9taire et rembourse le locataire pour les pertes subies selon les garanties souscrites.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5657668d elementor-section-content-middle elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"5657668d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1116c69d\" data-id=\"1116c69d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30bc1f04 elementor-widget elementor-widget-text-editor\" data-id=\"30bc1f04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cliquez pour obtenir en quelques clics votre assurance locataire avec le sp\u00e9cialiste belge de l&rsquo;assurance swinz.be.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51c8afa3 elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"51c8afa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/webapp.swinz.be\/#\/home?referral_code=Garantir\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Formulaire assurance incendie 100% en ligne<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1bea27fa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1bea27fa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-238afbd8\" data-id=\"238afbd8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d26bb09 elementor-widget elementor-widget-spacer\" data-id=\"5d26bb09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3482685a elementor-widget elementor-widget-heading\" data-id=\"3482685a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Que couvre une assurance incendie locataire ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cd31c96 elementor-widget elementor-widget-text-editor\" data-id=\"3cd31c96\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La couverture d\u00e9pend de la formule choisie, mais la plupart des contrats incluent les garanties suivantes :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5378ee1e elementor-widget elementor-widget-text-editor\" data-id=\"5378ee1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table><thead><tr><th>Type de sinistre<\/th><th>Couverture du locataire<\/th><th>D\u00e9tails<\/th><\/tr><\/thead><tbody><tr><td>\ud83d\udd25 Incendie, explosion, fum\u00e9e<\/td><td>\u2705 Oui<\/td><td>Dommages au logement et au contenu<\/td><\/tr><tr><td>\ud83d\udca7 D\u00e9g\u00e2ts des eaux<\/td><td>\u2705 Oui<\/td><td>Fuites, canalisations, infiltrations<\/td><\/tr><tr><td>\ud83c\udf2a\ufe0f Temp\u00eate, gr\u00eale, foudre<\/td><td>\u2705 Oui<\/td><td>Toiture, fen\u00eatres, appareils<\/td><\/tr><tr><td>\ud83d\udeaa Vol, vandalisme<\/td><td>\u2705 Selon option<\/td><td>Couverture possible sur le mobilier<\/td><\/tr><tr><td>\u26a1 Responsabilit\u00e9 envers le bailleur et les voisins<\/td><td>\u2705 Oui<\/td><td>Si le feu ou l\u2019eau se propage<\/td><\/tr><tr><td>\ud83e\uddcd Assistance et relogement temporaire<\/td><td>\u2705 Selon contrat<\/td><td>En cas de logement inhabitable<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e47ce8 elementor-widget elementor-widget-text-editor\" data-id=\"1e47ce8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Il est recommand\u00e9 de v\u00e9rifier si le contrat comprend la protection du contenu (mobilier, appareils, objets personnels), et pas uniquement celle du b\u00e2timent.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10cc9f0f elementor-widget elementor-widget-heading\" data-id=\"10cc9f0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quel est le prix d\u2019une assurance incendie pour locataire ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2037b8b elementor-widget elementor-widget-text-editor\" data-id=\"2037b8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le co\u00fbt varie en fonction de la surface du logement, de la localisation, du type d\u2019habitation et des options choisies. Voici une estimation des <strong>prix moyens en Belgique en 2026<\/strong> :<\/p><ul><li><p>Kot ou studio \u00e9tudiant : entre 8 \u20ac et 15 \u20ac\/mois.<\/p><\/li><li><p>Appartement : entre 10 \u20ac et 25 \u20ac\/mois.<\/p><\/li><li><p>Maison ou colocation : entre 20 \u20ac et 30 \u20ac\/mois.<\/p><\/li><\/ul><p>De nombreux assureurs belges proposent aujourd\u2019hui des formules sp\u00e9cifiques pour locataires \u00e0 tarifs avantageux, notamment pour les jeunes actifs et les \u00e9tudiants.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-103afef8 elementor-section-content-middle elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"103afef8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-44740273\" data-id=\"44740273\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e8d4b43 elementor-widget elementor-widget-image\" data-id=\"6e8d4b43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/garantie.be\/wp-content\/uploads\/elementor\/thumbs\/Logo-2-garantie-alone-1-pe5xec7dnfsf8cs3rtfffen34plb9ip2rjyfhjeqd0.jpg\" title=\"garantie\" alt=\"garantie\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57a16e11 elementor-widget elementor-widget-text-editor\" data-id=\"57a16e11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Compl\u00e9tez notre formulaire en ligne pour obtenir votre garantie locative en quelques heures.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32a91794 elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"32a91794\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/account.garantie.be\/fr\/register\/lease\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Formulaire garantie locative 100% en ligne<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6df8be2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6df8be2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e19dc81\" data-id=\"e19dc81\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84a8181 elementor-widget elementor-widget-spacer\" data-id=\"84a8181\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-859058d elementor-widget elementor-widget-heading\" data-id=\"859058d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L\u2019attestation d\u2019assurance : un document obligatoire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9fd11f elementor-widget elementor-widget-text-editor\" data-id=\"c9fd11f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Avant la remise des cl\u00e9s, le bailleur demandera une <strong>attestation d\u2019assurance incendie<\/strong>. Ce document prouve que le locataire est bien couvert contre les risques li\u00e9s \u00e0 l\u2019occupation du logement. L\u2019attestation doit mentionner :<\/p><ul><li><p>Le nom du locataire et l\u2019adresse du logement assur\u00e9.<\/p><\/li><li><p>La p\u00e9riode de couverture.<\/p><\/li><li><p>Le type de garanties incluses (<em>responsabilit\u00e9 locative, contenu personnel, etc.<\/em>).<\/p><\/li><\/ul><p>La plupart des compagnies d\u2019assurance transmettent cette attestation automatiquement, d\u00e8s la signature du contrat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fab4e76 elementor-widget elementor-widget-heading\" data-id=\"fab4e76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance incendie en colocation ou en kot<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85ebc56 elementor-widget elementor-widget-text-editor\" data-id=\"85ebc56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dans le cadre d\u2019un <a href=\"https:\/\/garantie.be\/fr\/modeles-lettres-gestion-bail\/modele-bail-etudiant\/\">bail \u00e9tudiant<\/a>, deux situations peuvent se pr\u00e9senter :<\/p><ul><li><strong>Bail collectif<\/strong> : une seule <a href=\"https:\/\/garantie.be\/fr\/assurance-incendie-assurance-habitation-belgique\/\">assurance incendie<\/a> couvre l\u2019ensemble du logement et les colocataires.<\/li><li><p><strong>Baux s\u00e9par\u00e9s<\/strong> : chaque locataire doit disposer de sa propre assurance, couvrant sa chambre et sa responsabilit\u00e9 locative.<\/p><\/li><\/ul><p>En kot \u00e9tudiant, les compagnies d\u2019assurance proposent souvent des formules simplifi\u00e9es couvrant uniquement la chambre, les effets personnels et la responsabilit\u00e9 du locataire.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a1e248 elementor-widget elementor-widget-heading\" data-id=\"3a1e248\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Que faire en cas de sinistre ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d72ed0 elementor-widget elementor-widget-text-editor\" data-id=\"3d72ed0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En cas d\u2019incendie, de d\u00e9g\u00e2t des eaux ou de tout autre sinistre couvert, vous devez suivre ces \u00e9tapes :<\/p><ol><li><strong>Pr\u00e9venir imm\u00e9diatement l\u2019assureur<\/strong>, id\u00e9alement dans les 8 jours.<\/li><li><strong>Photographier les d\u00e9g\u00e2ts<\/strong> et conserver les objets endommag\u00e9s jusqu\u2019\u00e0 l\u2019expertise.<\/li><li><strong>Informer le bailleur<\/strong> afin qu\u2019il puisse contacter son propre assureur.<\/li><li><strong>Compl\u00e9ter le constat de sinistre<\/strong> envoy\u00e9 par la compagnie.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13c0b02 elementor-widget elementor-widget-spacer\" data-id=\"13c0b02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Assurance incendie locataire Lorsqu\u2019un particulier loue un logement, le bailleur exige presque toujours la souscription d\u2019une assurance incendie. Mais contrairement \u00e0 ce que son nom laisse penser, elle ne couvre pas seulement les incendies.\u00a0L\u2019assurance incendie du locataire prot\u00e8ge : Le logement occup\u00e9, contre les dommages caus\u00e9s par le locataire ; La responsabilit\u00e9 locative envers le [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2162","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance incendie du locataire en Belgique : couverture, obligations et prix<\/title>\n<meta name=\"description\" content=\"Tout savoir sur l\u2019assurance incendie du locataire en Belgique : couverture, prix moyen, attestation, sinistres couverts, kot et colocation.\" \/>\n<meta name=\"robots\" content=\"index, follow, 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