{"id":2175,"date":"2021-01-27T22:07:09","date_gmt":"2021-01-27T21:07:09","guid":{"rendered":"https:\/\/garantie.be\/?page_id=2175"},"modified":"2025-11-03T16:10:52","modified_gmt":"2025-11-03T15:10:52","slug":"assurance-incendie-assurance-habitation-belgique","status":"publish","type":"page","link":"https:\/\/garantie.be\/fr\/assurance-incendie-assurance-habitation-belgique\/","title":{"rendered":"Assurance habitation en Belgique : locataire, propri\u00e9taire, colocation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2175\" class=\"elementor elementor-2175\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c521de9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c521de9\" 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-61f81e07\" data-id=\"61f81e07\" 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-4639d7a elementor-widget elementor-widget-spacer\" data-id=\"4639d7a\" 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-595fb776 elementor-widget elementor-widget-heading\" data-id=\"595fb776\" 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\">L'assurance incendie<br>\n<b>pour votre habitation<\/b><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53443263 elementor-widget elementor-widget-spacer\" data-id=\"53443263\" 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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2c813249 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c813249\" 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-1e39e323\" data-id=\"1e39e323\" 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-1c1dca45 elementor-widget elementor-widget-text-editor\" data-id=\"1c1dca45\" 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><strong>L\u2019assurance incendie<\/strong>, aussi appel\u00e9e assurance habitation, prot\u00e8ge votre logement et vos biens en cas de sinistre : incendie, explosion, d\u00e9g\u00e2t des eaux, temp\u00eate, vol ou vandalisme. Elle couvre aussi, selon le contrat, la <strong>responsabilit\u00e9 civile<\/strong> du locataire ou du propri\u00e9taire vis-\u00e0-vis du b\u00e2timent et des tiers.<\/p><p><strong>En r\u00e9sum\u00e9<\/strong> : elle sert \u00e0 r\u00e9parer ou rembourser les dommages caus\u00e9s \u00e0 votre logement et \u00e0 ce qu\u2019il contient.<\/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-6c236a09 elementor-widget elementor-widget-heading\" data-id=\"6c236a09\" 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 en Belgique ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70e236b9 elementor-widget elementor-widget-text-editor\" data-id=\"70e236b9\" 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>Oui, dans la pratique, <strong>elle est quasi obligatoire<\/strong> :<\/p><ul><li>Pour un <strong>locataire<\/strong>, le propri\u00e9taire exige presque toujours une attestation d\u2019assurance avant la remise des cl\u00e9s.<\/li><li>Pour un <strong>propri\u00e9taire<\/strong>, elle est indispensable pour prot\u00e9ger la valeur du bien et \u00eatre couvert en cas de sinistre.<\/li><\/ul><p>\u00a0<\/p><p>Dans certaines R\u00e9gions comme <strong>la Wallonie et Bruxelles Capitale<\/strong>, la loi impose au locataire de souscrire une assurance couvrant sa responsabilit\u00e9 locative, c\u2019est-\u00e0-dire les dommages qu\u2019il pourrait causer au logement lou\u00e9.<\/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-52cf4e8c elementor-section-content-middle elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"52cf4e8c\" 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-3ed00cb7\" data-id=\"3ed00cb7\" 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-3a5224de elementor-widget elementor-widget-text-editor\" data-id=\"3a5224de\" 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\tCliquez pour obtenir en quelques clics votre assurance locataire avec le sp\u00e9cialiste belge de l&rsquo;assurance swinz.be.\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-37b2a650 elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"37b2a650\" 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-5ca5fcbe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ca5fcbe\" 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-11573a83\" data-id=\"11573a83\" 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-6817a5c8 elementor-widget elementor-widget-spacer\" data-id=\"6817a5c8\" 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-bd79b47 elementor-widget elementor-widget-heading\" data-id=\"bd79b47\" 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 ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c2f67ea elementor-widget elementor-widget-text-editor\" data-id=\"2c2f67ea\" 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>Une bonne assurance incendie couvre bien plus que le feu. Elle prot\u00e8ge contre la plupart des dommages au logement et \u00e0 son contenu :<\/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-74bc83b9 elementor-widget elementor-widget-text-editor\" data-id=\"74bc83b9\" 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 habituelle<\/th><\/tr><\/thead><tbody><tr><td>\ud83d\udd25 Incendie, explosion, implosion<\/td><td>\u2705 Oui<\/td><\/tr><tr><td>\ud83d\udca7 D\u00e9g\u00e2ts des eaux (fuite, canalisation, infiltration)<\/td><td>\u2705 Oui<\/td><\/tr><tr><td>\ud83c\udf2a\ufe0f Temp\u00eate, foudre, gr\u00eale<\/td><td>\u2705 Oui<\/td><\/tr><tr><td>\ud83d\udeaa Vol, vandalisme, bris de vitre<\/td><td>\u2705 Oui, selon options<\/td><\/tr><tr><td>\ud83e\uddcd Responsabilit\u00e9 civile envers les voisins ou le bailleur<\/td><td>\u2705 Oui<\/td><\/tr><tr><td>\ud83e\ude91 Contenu du logement (meubles, \u00e9lectrom\u00e9nager, etc.)<\/td><td>\u2705 Oui, selon formule<\/td><\/tr><\/tbody><\/table>\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-83ffcb5 elementor-section-content-middle elementor-section-height-min-height elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"83ffcb5\" 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-ac6d4ff\" data-id=\"ac6d4ff\" 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-2432001 elementor-widget elementor-widget-text-editor\" data-id=\"2432001\" 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 pour obtenir une <a href=\"https:\/\/garantie.be\/fr\/garantie-locative-en-ligne\/\">garantie locative en ligne<\/a> en quelques heures.\u00a0Vous ne bloquez pas d\u2019argent car nous fonctionnons comme une garantie bancaire<\/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-d8d632a elementor-mobile-align-center elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d8d632a\" 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-e447a98 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e447a98\" 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-febe45c\" data-id=\"febe45c\" 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-a253837 elementor-widget elementor-widget-spacer\" data-id=\"a253837\" 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-b236534 elementor-widget elementor-widget-heading\" data-id=\"b236534\" 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 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-e52d627 elementor-widget elementor-widget-text-editor\" data-id=\"e52d627\" 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>Si vous louez un logement (maison, appartement ou kot), une <a href=\"https:\/\/garantie.be\/fr\/assurance-incendie-habitation-locataire\/\">assurance incendie locataire<\/a> couvre :<\/p><ul><li>Les <strong>d\u00e9g\u00e2ts que vous pourriez causer<\/strong> au logement, comme un incendie, un d\u00e9g\u00e2t d\u2019eau, ect. ;<\/li><li>Votre <strong>responsabilit\u00e9 locative<\/strong> envers le bailleur ;<\/li><li><strong>Les biens personnels<\/strong> : mobilier, \u00e9lectrom\u00e9nager, v\u00eatements, etc. selon la formule choisie.<\/li><\/ul><p>\u00a0<\/p><p>Le propri\u00e9taire peut demander une attestation d\u2019assurance avant la signature du bail. En cas d\u2019incendie ou de d\u00e9g\u00e2t, c\u2019est votre assureur qui indemnisera le propri\u00e9taire.<\/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-c534dd2 elementor-widget elementor-widget-heading\" data-id=\"c534dd2\" 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 pour propri\u00e9taire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e4c201 elementor-widget elementor-widget-text-editor\" data-id=\"2e4c201\" 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>Si vous louer un bien immobilier qui vous appartient, votre <a href=\"https:\/\/garantie.be\/fr\/assurance-incendie-habitation-proprietaire\/\">assurance incendie propri\u00e9taire<\/a> couvre :<\/p><ul><li>La <strong>structure du b\u00e2timent<\/strong> : murs, toiture, planchers, etc. ;<\/li><li>Les <strong>am\u00e9nagements fixes<\/strong> : cuisine, salle de bain, chauffage ;<\/li><li>Les <strong>dommages caus\u00e9s aux tiers<\/strong> : comme par exemple le feu qui se propage chez le voisin.<\/li><\/ul><p>\u00a0<\/p><p>M\u00eame si elle n\u2019est pas l\u00e9galement obligatoire, <strong>aucune banque n\u2019accorde un pr\u00eat hypoth\u00e9caire sans assurance incendie<\/strong>. C\u2019est donc une obligation pratique pour tout propri\u00e9taire.<\/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-210ca79 elementor-widget elementor-widget-heading\" data-id=\"210ca79\" 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\">Combien co\u00fbte une assurance incendie en Belgique ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a02fca elementor-widget elementor-widget-text-editor\" data-id=\"5a02fca\" 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 prix d\u00e9pend de plusieurs crit\u00e8res :<\/p><ul><li>La <strong>surface<\/strong> et la valeur du logement.<\/li><li>La <strong>ville<\/strong> : les primes sont plus \u00e9lev\u00e9es \u00e0 Bruxelles qu\u2019\u00e0 Li\u00e8ge.<\/li><li>Votre <strong>profil<\/strong> : locataire ou propri\u00e9taire.<\/li><li>Les <strong>options<\/strong> choisies : vol, bris de vitre, assistance, etc..<\/li><\/ul><p>\u00a0<\/p><p>Prix moyen de l&rsquo;assurance incendie en Belgique :<\/p><ul><li>Locataire : 10 \u00e0 25 \u20ac\/mois<\/li><li>Propri\u00e9taire occupant : 25 \u00e0 50 \u20ac\/mois<\/li><\/ul>\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-dccaa4d elementor-widget elementor-widget-spacer\" data-id=\"dccaa4d\" 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-d527c15 elementor-widget elementor-widget-heading\" data-id=\"d527c15\" 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 et colocation \/ kot \u00e9tudiant<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab84d4 elementor-widget elementor-widget-text-editor\" data-id=\"2ab84d4\" 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>Lorsque l&rsquo;on fait le choix de <a href=\"https:\/\/garantie.be\/fr\/guide-locataire-belgique\/kot-colocation\/\">vivre en colocation ou en kot<\/a>, chaque colocataire doit \u00eatre prot\u00e9g\u00e9 par une assurance incendie, soit :<\/p><ul><li>via une <strong>assurance commune<\/strong> souscrite par un colocataire pour tout le logement ;<\/li><li>soit <strong>individuellement<\/strong>, si le <a href=\"https:\/\/garantie.be\/fr\/modeles-lettres-gestion-bail\/modele-bail-etudiant\/\">bail de colocation<\/a> est s\u00e9par\u00e9 pour chaque chambre.<\/li><\/ul><p>\u00a0<\/p><p>Si vous \u00eates plusieurs sur un m\u00eame bail, il suffit d\u2019une attestation unique au nom de tous les locataires. Les assureurs belges proposent souvent des formules jeune et \u00e9tudiant \u00e0 prix r\u00e9duit, adapt\u00e9es aux kots et colocations.<\/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-cfda2d7 elementor-widget elementor-widget-heading\" data-id=\"cfda2d7\" 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\">Quelques conseils avant de souscrire<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c15330 elementor-widget elementor-widget-text-editor\" data-id=\"5c15330\" 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<ol><li><strong>Comparez les offres<\/strong> : prix et couverture varient selon les compagnies.<\/li><li><strong>Lisez les exclusions<\/strong> : certaines polices ne couvrent pas les dommages dus \u00e0 la n\u00e9gligence.<\/li><li><strong>Conservez vos preuves d\u2019achat<\/strong> pour faciliter une indemnisation rapide.<\/li><li><strong>D\u00e9clarez rapidement tout sinistre<\/strong> : g\u00e9n\u00e9ralement dans les 8 jours.<\/li><li>Si vous changez de logement, <strong>pensez \u00e0 transf\u00e9rer votre assurance<\/strong>.<\/li><\/ol>\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-658003ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"658003ff\" 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-2bcdd544\" data-id=\"2bcdd544\" 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-3367ce6c elementor-widget elementor-widget-spacer\" data-id=\"3367ce6c\" 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>L&rsquo;assurance incendie pour votre habitation L\u2019assurance incendie, aussi appel\u00e9e assurance habitation, prot\u00e8ge votre logement et vos biens en cas de sinistre : incendie, explosion, d\u00e9g\u00e2t des eaux, temp\u00eate, vol ou vandalisme. Elle couvre aussi, selon le contrat, la responsabilit\u00e9 civile du locataire ou du propri\u00e9taire vis-\u00e0-vis du b\u00e2timent et des tiers. En r\u00e9sum\u00e9 : elle [&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-2175","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance habitation en Belgique : locataire, propri\u00e9taire, colocation<\/title>\n<meta name=\"description\" content=\"Tout savoir sur l\u2019assurance incendie en Belgique : Que couvre-t-elle et combien co\u00fbte-t-elle pour un locataire, propri\u00e9taire ou \u00e9tudiant\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/garantie.be\/fr\/assurance-incendie-assurance-habitation-belgique\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta 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