{"id":13120,"date":"2025-10-23T05:01:06","date_gmt":"2025-10-23T05:01:06","guid":{"rendered":"https:\/\/youset.ca\/?p=13120"},"modified":"2026-03-17T18:20:37","modified_gmt":"2026-03-17T18:20:37","slug":"lassurance-couvre-t-elle-le-vol-a-lexterieur-du-domicile","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/lassurance-couvre-t-elle-le-vol-a-lexterieur-du-domicile\/","title":{"rendered":"L\u2019assurance couvre-t-elle le vol \u00e0 l\u2019ext\u00e9rieur du domicile\u2009? Oui, mais\u2026"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Vous demandez-vous si votre police d\u2019assurance <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-habitation\/\"><span style=\"font-weight: 400;\">habitation<\/span><\/a> <span style=\"font-weight: 400;\"> ou <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-locataire\/\"><span style=\"font-weight: 400;\">locataire<\/span><\/a> <span style=\"font-weight: 400;\"> couvre le vol \u00e0 l\u2019ext\u00e9rieur de la maison\u2009? Si vous ne connaissez pas la r\u00e9ponse, vous n\u2019\u00eates pas seul. Beaucoup de Canadiens ignorent ce que leur assurance couvre r\u00e9ellement une fois qu\u2019ils franchissent la porte.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">La bonne nouvelle&nbsp;: la plupart des polices offrent une protection contre le vol, m\u00eame lorsqu\u2019il survient ailleurs qu\u2019\u00e0 la maison. Voici ce qu\u2019il faut savoir pour vous assurer que vos biens sont prot\u00e9g\u00e9s, peu importe o\u00f9 vous vous trouvez.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_107b3692e333473bc22b0d0ef916fa55\" class=\"post-block py-8\">\n\t\t<div class=\"py-8 md:py-11 px-6 md:px-12 rounded-l-lg border-l-8 border-indigo-500 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<h3 class=\"text-grayBluish-900 mb-6\">Les points cl\u00e9s<\/h3>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><span style=\"font-weight: 400;\">L\u2019assurance des biens (contenu), g\u00e9n\u00e9ralement incluse dans les polices d\u2019assurance locataire, condo et habitation, peut couvrir un vol survenu \u00e0 l\u2019ext\u00e9rieur de votre domicile. Elle prot\u00e8ge vos effets personnels partout o\u00f9 vous les emportez.\u00a0<\/span><\/div>\n\t\t\t\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-l-assurance-couvre-t-elle-le-vol-a-l-exterieur-du-domicile\">L\u2019assurance couvre-t-elle le vol \u00e0 l\u2019ext\u00e9rieur du domicile\u2009?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Oui, l\u2019assurance peut couvrir un vol survenu \u00e0 l\u2019ext\u00e9rieur de votre domicile, gr\u00e2ce \u00e0 l\u2019<\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-des-biens-meubles\/\"><span style=\"font-weight: 400;\">assurance des biens meubles<\/span><\/a> <span style=\"font-weight: 400;\"> (aussi appel\u00e9e assurance pour les biens personnels). Cette protection vise vos biens, comme votre t\u00e9l\u00e9phone, votre ordinateur portable, vos v\u00eatements et autres articles personnels, et elle est automatiquement incluse lorsque vous souscrivez une assurance habitation, locataire ou <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-condo\/\"><span style=\"font-weight: 400;\">condo<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">L\u2019important \u00e0 retenir&nbsp;: cette couverture ne se limite g\u00e9n\u00e9ralement pas \u00e0 votre domicile. Elle prot\u00e8ge souvent vos biens o\u00f9 que vous les emportiez. Par exemple, si votre t\u00e9l\u00e9phone est vol\u00e9 au gym ou si votre ordinateur dispara\u00eet de votre chambre d\u2019h\u00f4tel.<\/span> <span style=\"font-weight: 400;\">Tant que la valeur des biens vol\u00e9s <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/franchise-d-assurance-plus-eleve-ou-plus-bas\/\"><span style=\"font-weight: 400;\">d\u00e9passe votre franchise<\/span><\/a> <span style=\"font-weight: 400;\"> (le montant que vous payez lors d\u2019une r\u00e9clamation), votre assurance peut vous aider \u00e0 couvrir la perte, jusqu\u2019aux limites pr\u00e9vues par votre police. Vous trouverez ces d\u00e9tails dans la section \u00ab\u2009dommages aux biens et vol\u2009\u00bb de votre contrat.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Gardez en t\u00eate que le vol \u00e0 l\u2019ext\u00e9rieur du domicile est souvent assorti de conditions et de limites sp\u00e9cifiques, diff\u00e9rentes de celles applicables au vol \u00e0 l\u2019int\u00e9rieur. C\u2019est pourquoi il est toujours recommand\u00e9 de consulter votre police pour bien comprendre <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/que-couvre-lassurance-habitation\/\"><span style=\"font-weight: 400;\">ce qui est couvert\u2026 et ce qui ne l\u2019est pas<\/span><\/a><span style=\"font-weight: 400;\">.<\/span> \u00a0<\/p>\n\n\n\n\t<section id=\"post-cta-block_26d66e7b8581569cdc45646402792b5d\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t<div class=\"lg:flex justify-between gap-x-6 rounded-lg bg-indigo-600 px-8 py-7 shadow-[0_2px_10px_0_theme(colors.surface.background.disabled)]\">\n\t\t\t\t\t\t\t<h3 class=\"text-white lg:mb-0\">Assurance habitation en 4 minutes ou moins<\/h3>\n\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&#038;externalId=blog\" class=\"the-button the-button--white !text-text-primary\">Obtenez une soumission<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ou-peut-survenir-le-vol-a-l-exterieur-du-domicile\">O\u00f9 peut survenir le vol \u00e0 l\u2019ext\u00e9rieur du domicile\u2009?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Le vol \u00e0 l\u2019ext\u00e9rieur du domicile peut se produire l\u00e0 o\u00f9 on s\u2019y attend le moins, dans des lieux du quotidien. Voici quelques endroits fr\u00e9quents&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-couvre-t-elle-le-vol-de-voiture\/\"><span style=\"font-weight: 400;\">Dans votre voiture<\/span><\/a> <span style=\"font-weight: 400;\"> (m\u00eame dans votre entr\u00e9e)&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dans un h\u00f4tel ou un Airbnb en voyage<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dans un casier au gym ou \u00e0 la piscine publique<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00c0 l\u2019a\u00e9roport (p. ex. bagages ou articles de cabine vol\u00e9s)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dans un restaurant ou un caf\u00e9<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Sur votre lieu de travail<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dans le sac \u00e0 dos de votre enfant \u00e0 l\u2019\u00e9cole<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dans votre cour avant ou arri\u00e8re<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dans les transports en commun<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Lors d\u2019un \u00e9v\u00e9nement ou d\u2019un concert<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dans la maison d\u2019un ami&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-d-objets-souvent-voles-a-l-exterieur-du-domicile\">Types d\u2019objets souvent vol\u00e9s \u00e0 l\u2019ext\u00e9rieur du domicile<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Lorsqu\u2019un vol survient \u00e0 l\u2019ext\u00e9rieur, il s\u2019agit g\u00e9n\u00e9ralement d\u2019objets personnels que vous transportez ou que vous avez laiss\u00e9s dans votre voiture, un casier ou vos bagages. Voici les articles les plus susceptibles d\u2019\u00eatre vol\u00e9s&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">T\u00e9l\u00e9phones cellulaires<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ordinateurs portables et tablettes<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/youset.ca\/fr\/blog\/bijoux-et-assurance-habitation\/\"><span style=\"font-weight: 400;\">Bijoux et montres<\/span><\/a><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">V\u00eatements et chaussures&nbsp;<\/span><\/li>\n\n\n\n<li><a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-et-vol-de-velo\/\"><span style=\"font-weight: 400;\">V\u00e9los<\/span><\/a> <span style=\"font-weight: 400;\">&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Valises et sacs de voyage<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Appareils photo et accessoires<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00c9quipement sportif (p. ex. patins de hockey, b\u00e2tons de golf, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Instruments de musique (p. ex. guitare, clavier, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Outils professionnels que vous poss\u00e9dez (p. ex. outils \u00e9lectriques, coffres \u00e0 outils, etc.)<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-limites-et-exclusions-a-considerer\">Limites et exclusions \u00e0 consid\u00e9rer<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Il existe certaines limites et exclusions \u00e0 garder en t\u00eate concernant le vol \u00e0 l\u2019ext\u00e9rieur du domicile, surtout lorsqu\u2019il s\u2019agit d\u2019objets de grande valeur.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Le vol hors domicile est g\u00e9n\u00e9ralement plafonn\u00e9 \u00e0 un pourcentage de votre garantie totale pour les biens meubles. Par exemple, si votre police pr\u00e9voit 50\u2009000&nbsp;$ pour vos effets personnels, le vol \u00e0 l\u2019ext\u00e9rieur pourrait \u00eatre couvert jusqu\u2019\u00e0 10&nbsp;%, soit 5\u2009000&nbsp;$.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">En plus, des sous-limites s\u2019appliquent souvent aux articles de grande valeur comme les bijoux, l\u2019\u00e9lectronique, les v\u00e9los et l\u2019\u00e9quipement sportif. Si leur valeur d\u00e9passe ce que votre police autorise, envisagez une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-des-biens-specifiques-au-canada\/\"><span style=\"font-weight: 400;\">assurance compl\u00e9mentaire<\/span><\/a> <span style=\"font-weight: 400;\"> pour une protection accrue.<\/span> <span style=\"font-weight: 400;\">Vous devrez aussi payer votre franchise avant d\u2019obtenir un remboursement. Par exemple, si votre franchise est de 500&nbsp;$ et que l\u2019objet vol\u00e9 vaut 300&nbsp;$, il est peu probable que vous fassiez une r\u00e9clamation et vous assumerez le co\u00fbt vous-m\u00eame.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Enfin, les assureurs s\u2019attendent \u00e0 ce que vous preniez des pr\u00e9cautions raisonnables. Si des objets sont vol\u00e9s dans une voiture dont les serrures ne fonctionnent pas ou dans une chambre d\u2019h\u00f4tel laiss\u00e9e d\u00e9verrouill\u00e9e, cela pourrait influencer le r\u00e8glement de votre r\u00e9clamation.<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-questions-a-se-poser-avant-de-faire-une-reclamation-pour-vol-hors-domicile\">5 questions \u00e0 se poser avant de faire une r\u00e9clamation pour vol hors domicile<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Avant de <\/span><a href=\"https:\/\/youset.ca\/fr\/reclamations\/\"><span style=\"font-weight: 400;\">pr\u00e9senter une r\u00e9clamation<\/span><\/a> <span style=\"font-weight: 400;\"> pour un vol survenu \u00e0 l\u2019ext\u00e9rieur de votre domicile, posez-vous les questions suivantes&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>Puis-je le remplacer moi-m\u00eame\u2009? <\/b> <span style=\"font-weight: 400;\">Si l\u2019objet est peu co\u00fbteux ou facile \u00e0 remplacer, il n\u2019est peut-\u00eatre pas utile de faire une r\u00e9clamation.&nbsp;<\/span><\/li>\n\n\n\n<li><b>Quel est le montant de ma franchise\u2009?<\/b> <span style=\"font-weight: 400;\">Si le co\u00fbt de remplacement est inf\u00e9rieur \u00e0 votre<\/span> <a href=\"https:\/\/youset.ca\/fr\/blog\/franchise-d-assurance-plus-eleve-ou-plus-bas\/\"><span style=\"font-weight: 400;\">franchise<\/span><\/a><span style=\"font-weight: 400;\">, vous n\u2019impliquerez pas votre assurance.&nbsp;<\/span><\/li>\n\n\n\n<li><b>Quelle couverture ai-je pour le vol hors domicile\u2009?<\/b> <span style=\"font-weight: 400;\">V\u00e9rifiez vos documents pour voir si votre police pr\u00e9voit une limite sp\u00e9cifique.<\/span><\/li>\n\n\n\n<li><b>Une r\u00e9clamation pourrait-elle faire augmenter ma prime\u2009?<\/b> <span style=\"font-weight: 400;\">Les r\u00e9clamations peuvent parfois entra\u00eener une hausse de prime au renouvellement.<\/span><\/li>\n\n\n\n<li><b>Ai-je les preuves n\u00e9cessaires\u2009?<\/b> Factures, photos et autres documents sont essentiels pour l\u2019approbation de votre r\u00e9clamation.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-prochaines-etapes\">Prochaines \u00e9tapes<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Que vous voyagiez, alliez au travail ou au gym, avoir une couverture pour vos effets personnels vous procure une tranquillit\u00e9 d\u2019esprit et vous prot\u00e8ge en cas de perte.<\/span>\n\n<span style=\"font-weight: 400;\">Avec <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&amp;externalId=blog\"><span style=\"font-weight: 400;\">YouSet<\/span><\/a><span style=\"font-weight: 400;\">, comparez des polices d\u2019assurance habitation, locataire et copropri\u00e9taire qui incluent la couverture pour vol hors domicile. Comparez et obtenez votre protection en 4&nbsp;minutes, sans paperasse ni tracas. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous demandez-vous si votre police d\u2019assurance habitation ou locataire couvre le vol \u00e0 l\u2019ext\u00e9rieur de la maison\u2009? Si vous ne connaissez pas la r\u00e9ponse, vous n\u2019\u00eates pas seul. Beaucoup de Canadiens ignorent ce que leur assurance couvre r\u00e9ellement une fois qu\u2019ils franchissent la porte. La bonne nouvelle&nbsp;: la plupart des [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":11422,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[469,457,465],"tags":[],"class_list":["post-13120","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-condo","category-assurance-habitation","category-assurance-locataire"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>L\u2019assurance couvre-t-elle le vol \u00e0 l\u2019ext\u00e9rieur du domicile\u2009? - YouSet<\/title>\n<meta name=\"description\" content=\"Votre assurance habitation ou locataire peut couvrir le vol hors domicile. 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