{"id":5775,"date":"2024-06-27T05:01:25","date_gmt":"2024-06-27T05:01:25","guid":{"rendered":"https:\/\/youset.ca\/?p=5775"},"modified":"2026-03-16T12:10:33","modified_gmt":"2026-03-16T12:10:33","slug":"lassurance-des-biens-meubles","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/lassurance-des-biens-meubles\/","title":{"rendered":"Qu\u2019est-ce que l\u2019assurance des biens meubles au Canada?"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">L\u2019assurance ne se limite pas \u00e0 la protection de la structure physique ou des installations de ta maison. Tes biens personnels \u00e0 l\u2019int\u00e9rieur sont tout aussi importants. C\u2019est pourquoi les polices d\u2019<a href=\"https:\/\/youset.ca\/fr\/assurance-habitation\/\">assurance habitation<\/a>, <a href=\"https:\/\/youset.ca\/fr\/assurance-condo\/\">condo<\/a> et <a href=\"https:\/\/youset.ca\/fr\/assurance-locataire\/\">locataire au Canada<\/a> incluent une protection standard appel\u00e9e assurance des biens meubles.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Si tu n\u2019es pas encore familier avec l\u2019assurance des biens meubles, cet article est une excellente introduction. Tu y d\u00e9couvriras ce qu\u2019est l\u2019assurance des biens meubles, ce qu\u2019elle prot\u00e8ge et ne prot\u00e8ge pas, les limites de cette protection, et bien plus encore.<\/span> <span style=\"font-weight: 400;\"><\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_a9f38eb41c1010c2367db341e0b3eb97\" 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 meubles, aussi appel\u00e9e garantie des biens personnels, prot\u00e8ge vos effets personnels s\u2019ils sont endommag\u00e9s, d\u00e9truits ou vol\u00e9s \u00e0 la suite d\u2019un risque couvert, comme un incendie ou un vol. Elle est g\u00e9n\u00e9ralement incluse d\u2019office dans les assurances habitation, locataire et condo.\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-qu-est-ce-que-l-assurance-des-biens-meubles\">Qu\u2019est-ce que l\u2019assurance des biens meubles?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">L\u2019assurance des biens meubles, \u00e9galement connue sous le nom d\u2019assurance pour les biens personnels, prot\u00e8ge tes biens en cas de dommages ou de perte caus\u00e9s par un risque assur\u00e9, comme <a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-habitation-couvre-t-elle-les-incendies\/\">un incendie<\/a> ou un vol.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">R\u00e9fl\u00e9chis un instant \u00e0 tout ce que tu poss\u00e8des&nbsp;: v\u00eatements, appareils \u00e9lectrom\u00e9nagers, \u00e9lectroniques, meubles, et bien plus encore. Sans assurance des biens meubles, tu devrais payer de ta poche pour remplacer ou r\u00e9parer chacun de ces objets. Cela peut souvent co\u00fbter bien plus cher que pr\u00e9vu, d\u00e9passant les capacit\u00e9s financi\u00e8res de nombreuses personnes.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Heureusement, lorsque tu souscris une <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-habitation\/\"><span style=\"font-weight: 400;\">assurance habitation<\/span><\/a><span style=\"font-weight: 400;\">, une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/qu-est-ce-que-l-assurance-condo\/\"><span style=\"font-weight: 400;\">assurance condo<\/span><\/a> <span style=\"font-weight: 400;\"> ou une <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-locataire\/\"><span style=\"font-weight: 400;\">assurance locataire<\/span><\/a> <span style=\"font-weight: 400;\"> au Canada, l\u2019assurance des biens meubles est g\u00e9n\u00e9ralement incluse comme composante standard.<\/span> &nbsp;<\/p>\n\n\n\n\t<section id=\"post-cta-block_573349c1ba9735b1a139ce68bedad7fd\" 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\">Comparez assureurs et achetez en 4 minutes.<\/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-ce-que-couvre-et-ne-couvre-pas-l-assurance-des-biens-meubles\">Ce que couvre et ne couvre pas l\u2019assurance des biens meubles<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Que tu sois propri\u00e9taire ou locataire, tes biens personnels \u00e0 l\u2019int\u00e9rieur de ton logement peuvent valoir des milliers, voire des dizaines de milliers de dollars. C\u2019est pourquoi l\u2019assurance des biens meubles couvre g\u00e9n\u00e9ralement un large \u00e9ventail d\u2019articles courants, tels que&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Meubles (divans, matelas, lits, tables, chaises, tapis, commodes, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00c9lectronique (t\u00e9l\u00e9visions, ordinateurs, portables, tablettes, t\u00e9l\u00e9phones intelligents, consoles de jeux, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Appareils \u00e9lectrom\u00e9nagers (r\u00e9frig\u00e9rateurs, cuisini\u00e8res, lave-vaisselles, laveuses, s\u00e9cheuses, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">V\u00eatements, chaussures, sacs et bijoux<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">D\u00e9coration int\u00e9rieure (\u0153uvres d\u2019art, tapis, rideaux, miroirs, lampes, etc.)&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00c9quipement sportif (v\u00e9los, b\u00e2tons de golf, raquettes de tennis, skis, planches \u00e0 neige, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Instruments de musique (guitares, pianos, violons, batteries, etc.)&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Meubles\/d\u00e9corations ext\u00e9rieurs (ensembles de patio, parasols, hamacs, foyers, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Biens personnels dans ton v\u00e9hicule (sacs \u00e0 main, lunettes de soleil, \u00e9lectronique, \u00e9quipement sportif, si\u00e8ges d\u2019auto, etc.)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Bagages&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p>&nbsp;\n\n<span style=\"font-weight: 400;\">Naturellement, chaque police d\u2019assurance a ses limitations et exclusions. Pour l\u2019assurance des biens meubles, voici quelques \u00e9l\u00e9ments et situations qui ne sont g\u00e9n\u00e9ralement pas couverts&nbsp;:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/youset.ca\/fr\/assurance-auto\/\"><span style=\"font-weight: 400;\">V\u00e9hicules<\/span><\/a><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Argent en esp\u00e8ces et documents importants<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Objets de grande valeur d\u00e9passant votre limite de protection (sauf si tu as une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-des-biens-specifiques-au-canada\/\"><span style=\"font-weight: 400;\">clause sp\u00e9cifique<\/span><\/a> <span style=\"font-weight: 400;\"> pour ces objets, dans ce cas, leur valeur totale serait prot\u00e9g\u00e9e)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Animaux de compagnie et b\u00e9tail<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dommages intentionnels<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Pertes ou dommages li\u00e9s \u00e0 des activit\u00e9s ill\u00e9gales&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dommages ou pertes caus\u00e9s par la n\u00e9gligence ou un manque d\u2019entretien (moisissures, infestations, etc.)&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dommages caus\u00e9s par certains risques (inondations, tremblements de terre, guerre, etc.)&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Pertes ou dommages dus \u00e0 l\u2019usure normale ou \u00e0 la d\u00e9t\u00e9rioration<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quel-montant-d-assurance-des-biens-meubles-as-tu-besoin\">Quel montant d\u2019assurance des biens meubles as-tu besoin?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Le montant d\u2019assurance des biens meubles n\u00e9cessaire d\u00e9pend du nombre de biens que tu poss\u00e8des, de leur valeur, et de votre budget pour l\u2019assurance. La meilleure fa\u00e7on de d\u00e9terminer vos besoins est de dresser un inventaire de vos biens et d\u2019\u00e9valuer leur valeur, ce que nous t\u2019expliquerons dans la section suivante.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Pour te donner une id\u00e9e, chez YouSet, la protection de base pour l\u2019assurance des biens meubles est de 20\u2009000&nbsp;$. Tu as aussi la possibilit\u00e9 d\u2019augmenter cette limite jusqu\u2019\u00e0 100\u2009000&nbsp;$, au besoin. Garde en t\u00eate que choisir une limite de protection plus \u00e9lev\u00e9e entra\u00eenera une prime plus \u00e9lev\u00e9e, donc il est important de bien \u00e9valuer ton budget avant de faire ton choix.<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-calculer-la-valeur-de-tes-biens-pour-l-assurance\">Comment calculer la valeur de tes biens pour l\u2019assurance<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Faire un inventaire de tes biens et \u00e9valuer leur valeur est une d\u00e9marche essentielle pour tout propri\u00e9taire de maison, de condo ou locataire. Id\u00e9alement, fais-le bien avant de devoir d\u00e9poser une r\u00e9clamation. Bien que cela puisse sembler fastidieux maintenant, tu te remercieras plus tard si une situation stressante survient.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Voici comment calculer la valeur de tes biens pour l\u2019assurance.&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cr\u00e9e un inventaire&nbsp;: <\/strong> <span style=\"font-weight: 400;\">Fais une liste de tous tes biens, organise-la par pi\u00e8ce et sauvegarde-la en ligne. Ainsi, tu pourras y acc\u00e9der de n\u2019importe o\u00f9 et sur n\u2019importe quel appareil, m\u00eame si ton t\u00e9l\u00e9phone ou ton ordinateur est perdu ou endommag\u00e9.&nbsp;<\/span><\/li>\n\n\n\n<li><strong>Attribue des valeurs&nbsp;: <\/strong> <span style=\"font-weight: 400;\">Estime le co\u00fbt de remplacement de chaque article en tenant compte de son \u00e2ge, son \u00e9tat et sa valeur marchande. Utilise des re\u00e7us, des \u00e9valuations ou fais des recherches en ligne pour obtenir les valeurs les plus pr\u00e9cises.<\/span><\/li>\n\n\n\n<li><strong>Additionne les valeurs&nbsp;:<\/strong> <span style=\"font-weight: 400;\"> Calcule le total de la valeur de tes biens pour obtenir le total estim\u00e9. Une plateforme comme Google Sheets facilitera cette t\u00e2che gr\u00e2ce \u00e0 ses fonctions de calcul int\u00e9gr\u00e9es. <\/span><\/li>\n\n\n\n<li><strong>Choisis une limite de protection&nbsp;: <\/strong> En fonction de la valeur totale de tes biens, choisis une limite de protection qui t\u2019offre une protection ad\u00e9quate sans d\u00e9passer ton budget.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-as-tu-besoin-de-prendre-des-photos-pour-l-assurance-des-biens-meubles\">As-tu besoin de prendre des photos pour l\u2019assurance des biens meubles?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">M\u00eame si ta compagnie d\u2019assurance ne l\u2019exige pas, il est toujours avantageux d\u2019avoir des photos pour ton assurance des biens meubles.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Les photos sont des preuves tangibles qui soutiennent ta r\u00e9clamation, fournissent une confirmation visuelle et peuvent acc\u00e9l\u00e9rer le processus de r\u00e9clamation. Bien que les re\u00e7us, les listes d\u2019inventaire, les \u00e9valuations, les garanties et d\u2019autres documents puissent aussi prouver ta propri\u00e9t\u00e9, les photos offrent une clart\u00e9 et une certitude suppl\u00e9mentaires.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Si ce n\u2019est pas d\u00e9j\u00e0 fait, prends quelques minutes pour photographier toutes les pi\u00e8ces, placards, espaces de rangement et ext\u00e9rieurs de ton logement, ainsi que toutes les r\u00e9novations r\u00e9centes. Conserve ces photos dans un endroit s\u00fbr et facilement accessible \u00e0 partir de n\u2019importe quel appareil, comme le nuage. N\u2019oublie pas de programmer un rappel sur ton t\u00e9l\u00e9phone pour les mettre \u00e0 jour tous les six mois \u00e0 un an.&nbsp;<\/span> &nbsp;<\/p>\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;\">L\u2019assurance des biens meubles pour les propri\u00e9taires de maison, de condo et les locataires est incluse dans la majorit\u00e9 des polices d\u2019assurance habitation au Canada. La protection que tu recevras d\u00e9pendra de la quantit\u00e9 et de la valeur de tes biens personnels, ainsi que de ton budget, car une protection plus \u00e9lev\u00e9e entra\u00eene g\u00e9n\u00e9ralement une prime mensuelle plus importante.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Pour t\u2019assurer d\u2019obtenir la meilleure couverture pour ta maison, condo ou logement locatif au meilleur prix, essaie YouSet. Non seulement la <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&amp;externalId=blog\"><span style=\"font-weight: 400;\">plateforme est gratuite<\/span><\/a><span style=\"font-weight: 400;\">, mais il ne faut que quatre minutes \u00e0 nos algorithmes pour comparer les tarifs de plusieurs assureurs et te proposer la meilleure option. Tu auras ainsi l\u2019assurance d\u2019\u00eatre bien prot\u00e9g\u00e9 sans d\u00e9penser plus que n\u00e9cessaire.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance ne se limite pas \u00e0 la protection de la structure physique ou des installations de ta maison. Tes biens personnels \u00e0 l\u2019int\u00e9rieur sont tout aussi importants. C\u2019est pourquoi les polices d\u2019assurance habitation, condo et locataire au Canada incluent une protection standard appel\u00e9e assurance des biens meubles.&nbsp; Si tu n\u2019es [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":5691,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[469,457,465],"tags":[],"class_list":["post-5775","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 v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Qu\u2019est-ce que l\u2019assurance des biens meubles au Canada? - YouSet<\/title>\n<meta name=\"description\" content=\"L\u2019assurance des biens meubles prot\u00e8ge tes biens s\u2019ils sont endommag\u00e9s ou perdus \u00e0 la suite d\u2019un risque assur\u00e9.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-des-biens-meubles\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u2019est-ce que l\u2019assurance des biens meubles au Canada?\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/fr\/blog\/lassurance-des-biens-meubles\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-27T05:01:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:10:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/06\/Contents-Insurance-in-Canada.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Emily May\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily May\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-des-biens-meubles\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-des-biens-meubles\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"Qu\u2019est-ce que l\u2019assurance des biens meubles au Canada?\",\"datePublished\":\"2024-06-27T05:01:25+00:00\",\"dateModified\":\"2026-03-16T12:10:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-des-biens-meubles\\\/\"},\"wordCount\":1251,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-des-biens-meubles\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/Contents-Insurance-in-Canada.webp\",\"articleSection\":[\"Assurance condo\",\"Assurance habitation\",\"Assurance locataire\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-des-biens-meubles\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/lassurance-des-biens-meubles\\\/\",\"name\":\"Qu\u2019est-ce que l\u2019assurance des biens meubles au Canada? 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