{"id":7718,"date":"2024-10-08T05:01:52","date_gmt":"2024-10-08T05:01:52","guid":{"rendered":"https:\/\/youset.ca\/?p=7718"},"modified":"2026-05-08T16:13:12","modified_gmt":"2026-05-08T16:13:12","slug":"assurance-des-biens-specifiques-au-canada","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/assurance-des-biens-specifiques-au-canada\/","title":{"rendered":"Assurance des biens sp\u00e9cifiques: Qu\u2019est-ce que c\u2019est et en avez-vous vraiment besoin\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Quand il s\u2019agit de prot\u00e9ger vos biens personnels, l\u2019<\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-habitation\/\"><span style=\"font-weight: 400;\">assurance habitation<\/span><\/a> <span style=\"font-weight: 400;\"> est souvent un choix prioritaire. Elle est con\u00e7ue pour couvrir les biens personnels pr\u00e9sents dans votre r\u00e9sidence. Cependant, la protection de base d\u2019une police ne suffit pas toujours pour des objets particuli\u00e8rement co\u00fbteux. C\u2019est l\u00e0 qu\u2019intervient l\u2019assurance des biens sp\u00e9cifiques.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Dans cet article, nous allons explorer le r\u00f4le de l\u2019assurance des biens sp\u00e9cifiques et la mani\u00e8re dont elle renforce votre police d\u2019assurance habitation. Vous trouverez \u00e9galement des questions pour vous aider \u00e0 \u00e9valuer si ce type de couverture convient \u00e0 vos biens les plus pr\u00e9cieux.&nbsp;<\/span> <span style=\"font-weight: 400;\"><\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_2a43502a4fd141a441a4edc5c39405be\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Les points cl\u00e9s<\/p>\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 sp\u00e9cifiques est un avenant ajout\u00e9 \u00e0 votre police d\u2019assurance habitation, locataire ou condo. Elle offre une couverture compl\u00e8te pour les objets de grande valeur \u00e0 leur valeur \u00e9valu\u00e9e s\u2019ils sont perdus ou endommag\u00e9s \u00e0 la suite d\u2019un risque couvert. Elle permet essentiellement d\u2019\u00e9tendre la protection au-del\u00e0 des limites d\u2019une police standard afin que vos biens de valeur soient pleinement assur\u00e9s.<\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-qu-une-assurance-des-biens-specifiques\">Qu\u2019est-ce qu\u2019une assurance des biens sp\u00e9cifiques\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019assurance des biens sp\u00e9cifiques est un ajout \u00e0 votre assurance habitation, condo ou <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-locataire\/\"><span style=\"font-weight: 400;\">locataire<\/span><\/a> <span style=\"font-weight: 400;\"> qui assure des articles de grande valeur \u00e0 leur plein montant estim\u00e9, en cas de perte ou de dommage couvert. En offrant une protection suppl\u00e9mentaire \u00e0 votre police de base, l\u2019assurance des biens sp\u00e9cifiques prot\u00e8ge pleinement les objets on\u00e9reux et uniques.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">M\u00eame si le terme peut \u00e9voquer des assurances pour des \u00e9quipements aquatiques, l\u2019assurance souvent dite \u00ab\u2009flottante\u2009\u00bb tire son nom de sa capacit\u00e9 \u00e0 prot\u00e9ger les biens transportables, peu importe leur emplacement. Ainsi, les objets assur\u00e9s peuvent \u00ab\u2009flotter\u2009\u00bb d\u2019un endroit \u00e0 l\u2019autre tout en b\u00e9n\u00e9ficiant d\u2019une protection.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Il n\u2019y a pas de valeur minimum pr\u00e9cise pour b\u00e9n\u00e9ficier de cette assurance, mais tout article de grande valeur qui pourrait ne pas \u00eatre couvert ad\u00e9quatement par votre police d\u2019assurance habitation pourrait y avoir droit. Voici des exemples d\u2019articles souvent assur\u00e9s&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\"><a href=\"https:\/\/youset.ca\/fr\/blog\/bijoux-et-assurance-habitation\/\">Bijoux et montres<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Appareils \u00e9lectroniques (syst\u00e8mes audio, consoles de jeux)&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u0152uvres d\u2019art (peintures, dessins, sculptures)&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Antiquit\u00e9s&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00c9quipements de photographie&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Instruments de musique (pianos, guitares, violons)&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00c9quipements de sport (skis, v\u00e9los, b\u00e2tons de golf)&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Livres rares et bandes dessin\u00e9es&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Collections de vin et spiritueux<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Objets de collection historiques, sportifs ou de divertissement&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Armes \u00e0 feu<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Pierres pr\u00e9cieuses<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Trains miniatures<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Collections de pi\u00e8ces de monnaie ou de timbres<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Gardez en t\u00eate qu\u2019en ajoutant une assurance \u00ab\u2009flottante\u2009\u00bb \u00e0 votre police, votre assureur vous demandera habituellement de fournir un re\u00e7u ou une \u00e9valuation de la valeur de l\u2019article en question. Si vous avez besoin de faire une r\u00e9clamation par la suite, ces documents seront exig\u00e9s de nouveau par l\u2019expert en sinistre, accompagn\u00e9s d\u2019une description d\u00e9taill\u00e9e, d\u2019une preuve de propri\u00e9t\u00e9 et de toute autre documentation pertinente li\u00e9e \u00e0 la perte ou au dommage.<\/span>\n\n&nbsp;<\/p>\n\n\n\n\t<section id=\"post-cta-block_548e6144fb43f1bc42a5e9c29f17b73c\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\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\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jeu-questionnaire-l-assurance-des-biens-specifiques-est-elle-ce-qu-il-vous-faut\">Jeu-questionnaire : L\u2019assurance des biens sp\u00e9cifiques est-elle ce qu\u2019il vous faut\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Une assurance des biens sp\u00e9cifiques n\u2019est pas destin\u00e9e \u00e0 tout le monde\u2009; son utilit\u00e9 d\u00e9pend de la valeur des objets que vous poss\u00e9dez et de la protection de votre police actuelle. Pour savoir si une assurance suppl\u00e9mentaire sous forme de police des biens sp\u00e9cifiques pourrait \u00eatre b\u00e9n\u00e9fique, prenez quelques minutes pour vous poser les questions suivantes ou faire le jeu-questionnaire interactif sur YouSet. Vous saurez si vos biens de valeur m\u00e9ritent une protection au-del\u00e0 des limites de votre police actuelle.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Avez-vous des biens qui exc\u00e8dent les limites de votre assurance habitation\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">De quels biens s\u2019agit-il\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ces articles seraient-ils co\u00fbteux ou difficiles \u00e0 remplacer\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ces articles ont-ils \u00e9t\u00e9 \u00e9valu\u00e9s par un expert dans les cinq derni\u00e8res ann\u00e9es\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les sortez-vous souvent de la maison\u2009?<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Avez-vous d\u00e9j\u00e0 perdu ou endommag\u00e9 un bien de valeur\u2009?<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-fonctionne-l-assurance-des-biens-specifiques\">Comment fonctionne l\u2019assurance des biens sp\u00e9cifiques<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Toutes les polices d\u2019assurance habitation comportent des limites de protection, ce qui signifie que votre indemnisation sera plafonn\u00e9e au montant maximal inscrit dans votre contrat. Malheureusement, si des objets de grande valeur comme des bijoux, des appareils \u00e9lectroniques ou des \u0153uvres d\u2019art sont endommag\u00e9s, vol\u00e9s ou perdus, ces limites peuvent ne pas suffire \u00e0 couvrir la totalit\u00e9 des pertes.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019assurance des biens sp\u00e9cifiques permet de prot\u00e9ger des articles individuels de grande valeur pour leur valeur estim\u00e9e ou de remplacement en l\u2019ajoutant \u00e0 votre police d\u2019assurance habitation, condo ou locataire. Ainsi, si l\u2019article en question est endommag\u00e9, perdu ou vol\u00e9, vous pourrez <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/reclamations-assurance-habitation\/\"><span style=\"font-weight: 400;\">faire une r\u00e9clamation<\/span><\/a> <span style=\"font-weight: 400;\"> pour r\u00e9cup\u00e9rer sa valeur int\u00e9grale assur\u00e9e.&nbsp;<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Par exemple, imaginez que votre maison soit cambriol\u00e9e et que votre police d\u2019assurance couvre vos biens de valeur jusqu\u2019\u00e0 8\u2009000&nbsp;$. Cependant, parmi les objets vol\u00e9s se trouve votre <a href=\"https:\/\/youset.ca\/fr\/blog\/assurance-habitation-et-bague-de-fiancailles\/\">bague de fian\u00e7ailles<\/a>, \u00e9valu\u00e9e \u00e0 10\u2009000&nbsp;$. En plus de la bague, des colliers et des montres ont \u00e9galement \u00e9t\u00e9 vol\u00e9s. Votre police ne couvrira alors que jusqu\u2019\u00e0 8\u2009000&nbsp;$ pour l\u2019ensemble de ces objets, ce qui laisse une partie de votre perte non indemnis\u00e9e. Par contre, si vous aviez ajout\u00e9 une assurance des biens sp\u00e9cifiques pour cette bague, vous seriez rembours\u00e9 pour sa pleine valeur.<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-assurance-des-biens-specifiques-vs-avenant-en-quoi-sont-ils-differents\">Assurance des biens sp\u00e9cifiques vs avenant : en quoi sont-ils diff\u00e9rents\u2009?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Il est possible de personnaliser votre assurance avec des options comme les assurances des biens sp\u00e9cifiques et les avenants. Comprendre la diff\u00e9rence entre les deux est essentiel pour obtenir la protection la mieux adapt\u00e9e. Pour vous aider \u00e0 faire un choix \u00e9clair\u00e9, voici une comparaison simple entre une assurance des biens sp\u00e9cifiques et un avenant.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-assurance-des-biens-specifiques\">Assurance des biens sp\u00e9cifiques<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u00e9finition&nbsp;:<\/strong> <span style=\"font-weight: 400;\">Une assurance des biens sp\u00e9cifiques couvre un objet pr\u00e9cis pour sa valeur totale estim\u00e9e ou de remplacement. Pour plusieurs objets, il suffit d\u2019ajouter plusieurs assurances des biens sp\u00e9cifiques \u00e0 votre police.<\/span><\/li>\n\n\n\n<li><strong>Objectif&nbsp;:<\/strong> <span style=\"font-weight: 400;\">Offrir une protection suppl\u00e9mentaire et sur mesure pour des biens qui d\u00e9passent souvent les limites d\u2019une police d\u2019assurance habitation de base.<\/span><\/li>\n\n\n\n<li><strong>Exemple :<\/strong> Les bagues de fian\u00e7ailles n\u00e9cessitent souvent une protection \u00e9tendue, rendue possible par une assurance flottante.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-avenant\">Avenant<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u00e9finition&nbsp;:<\/strong> <span style=\"font-weight: 400;\"> Les avenants, parfois appel\u00e9s garanties suppl\u00e9mentaires, sont des ajustements ajout\u00e9s \u00e0 une police d\u2019assurance existante, qui modifient les termes de la protection pour mieux r\u00e9pondre aux besoins du titulaire. Ils permettent d\u2019ajouter, de retirer ou d\u2019ajuster des protections.<\/span><\/li>\n\n\n\n<li><strong>Objectif&nbsp;:<\/strong> <span style=\"font-weight: 400;\"> Offrir la flexibilit\u00e9 de personnaliser votre police actuelle sans devoir en souscrire une nouvelle.<\/span><\/li>\n\n\n\n<li><strong>Exemple&nbsp;:<\/strong> <span style=\"font-weight: 400;\"> Un entrepreneur travaillant \u00e0 domicile pourrait opter pour un avenant afin de prot\u00e9ger int\u00e9gralement son mat\u00e9riel et son inventaire.<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-prochaines-etapes\">Prochaines \u00e9tapes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Poss\u00e9dez-vous un objet pr\u00e9cieux\u2009? Une assurance des biens sp\u00e9cifiques pourrait combler les lacunes dans votre protection actuelle. Aimeriez-vous savoir combien cela co\u00fbterait avec une police d\u2019habitation, de locataire ou de condo incluant une option dite \u00ab\u2009flottante\u2009\u00bb\u2009? <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Avec la <\/span><a href=\"https:\/\/www.app.youset.ca\/start?lng=fr&amp;externalId=blog\"><span style=\"font-weight: 400;\">plateforme YouSet<\/span><\/a><span style=\"font-weight: 400;\">, c\u2019est simple&nbsp;: r\u00e9pondez \u00e0 quelques questions sur votre logement et les biens concern\u00e9s, et notre plateforme trouvera pour vous la meilleure assurance habitation et des rabais exclusifs pour une protection optimale au meilleur prix.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quand il s\u2019agit de prot\u00e9ger vos biens personnels, l\u2019assurance habitation est souvent un choix prioritaire. Elle est con\u00e7ue pour couvrir les biens personnels pr\u00e9sents dans votre r\u00e9sidence. Cependant, la protection de base d\u2019une police ne suffit pas toujours pour des objets particuli\u00e8rement co\u00fbteux. C\u2019est l\u00e0 qu\u2019intervient l\u2019assurance des biens sp\u00e9cifiques&#8230;.<\/p>\n","protected":false},"author":11,"featured_media":7304,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[469,457,465,455],"tags":[],"class_list":["post-7718","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-condo","category-assurance-habitation","category-assurance-locataire","category-conseils-assurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Qu\u2019est-ce qu\u2019une assurance des biens sp\u00e9cifiques\u2009? - YouSet<\/title>\n<meta name=\"description\" content=\"L\u2019assurance des biens sp\u00e9cifiques est un ajout \u00e0 votre assurance habitation, condo ou locataire qui assure des articles de grande valeur.\" \/>\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\/assurance-des-biens-specifiques-au-canada\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance des biens sp\u00e9cifiques: Qu\u2019est-ce que c\u2019est et en avez-vous vraiment besoin\u2009?\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/fr\/blog\/assurance-des-biens-specifiques-au-canada\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-08T05:01:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-08T16:13:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/10\/What-Is-a-Floater-in-Insurance-YouSet.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\\\/assurance-des-biens-specifiques-au-canada\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-des-biens-specifiques-au-canada\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"Assurance des biens sp\u00e9cifiques: Qu\u2019est-ce que c\u2019est et en avez-vous vraiment besoin\u2009?\",\"datePublished\":\"2024-10-08T05:01:52+00:00\",\"dateModified\":\"2026-05-08T16:13:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-des-biens-specifiques-au-canada\\\/\"},\"wordCount\":1196,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-des-biens-specifiques-au-canada\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/What-Is-a-Floater-in-Insurance-YouSet.webp\",\"articleSection\":[\"Assurance condo\",\"Assurance habitation\",\"Assurance locataire\",\"Conseils d'assurance\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-des-biens-specifiques-au-canada\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-des-biens-specifiques-au-canada\\\/\",\"name\":\"Qu\u2019est-ce qu\u2019une assurance des biens sp\u00e9cifiques\u2009? 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