{"id":7881,"date":"2024-10-03T05:01:15","date_gmt":"2024-10-03T05:01:15","guid":{"rendered":"https:\/\/youset.ca\/?p=7881"},"modified":"2026-05-08T15:07:13","modified_gmt":"2026-05-08T15:07:13","slug":"que-couvre-lassurance-condo","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/que-couvre-lassurance-condo\/","title":{"rendered":"Que couvre l\u2019assurance condo au Canada\u2009?"},"content":{"rendered":"\n

En tant que propri\u00e9taire d\u2019un condo, vous faites face \u00e0 des risques similaires \u00e0 ceux des propri\u00e9taires de maison, comme les incendies, les d\u00e9g\u00e2ts d\u2019eau et le vol. Cependant, vivre en condo apporte aussi des risques particuliers qui n\u00e9cessitent une <\/span>assurance adapt\u00e9e<\/span><\/a>.<\/span> <\/p>\n\n\n\n

Dans cet article, nous expliquons <\/span>ce que couvre<\/span><\/a> (et ne couvre pas) une assurance condo au Canada. Gardez en t\u00eate que chaque police peut \u00eatre diff\u00e9rente. Consultez vos documents d\u2019assurance ou parlez directement \u00e0 votre assureur ou courtier pour obtenir des r\u00e9ponses pr\u00e9cises.<\/span><\/p>\n\n\n\n\t

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Les points cl\u00e9s<\/p>\n\t\t\t\t\t\t\t\t\t\t

L\u2019assurance condo couvre ce que la police de l\u2019immeuble ne couvre pas : votre unit\u00e9, vos biens, vos am\u00e9liorations et votre responsabilit\u00e9 civile. Elle prot\u00e8ge g\u00e9n\u00e9ralement contre des risques comme l\u2019incendie, le vol et certains d\u00e9g\u00e2ts d\u2019eau soudains. Cependant, plusieurs situations (comme les inondations, les tremblements de terre, le refoulement d\u2019\u00e9gout, l\u2019usure normale et les cotisations sp\u00e9ciales) exigent une protection optionnelle ou ne sont pas couvertes du tout.\u00a0<\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n\n\n\n\n

Am\u00e9liorations et r\u00e9novations<\/h2>\n\n\n\n

Oui, l\u2019assurance condo peut couvrir vos r\u00e9novations ou am\u00e9liorations si elles sont endommag\u00e9es par un risque couvert. Par exemple, si votre cuisine r\u00e9nov\u00e9e est endommag\u00e9e par un incendie, l\u2019assurance pourrait rembourser les co\u00fbts de r\u00e9paration. <\/span>\n\n <\/p>\n\n\n\n

Bijoux et bagues de fian\u00e7ailles<\/h2>\n\n\n\n

Oui, les bagues de fian\u00e7ailles<\/a> et les bijoux sont couverts par l\u2019assurance condo, car ils sont consid\u00e9r\u00e9s comme des biens personnels. Mais pour les objets de grande valeur, il y a souvent une limite de protection. Si vous voulez que leur valeur totale soit prot\u00e9g\u00e9e, vous devrez peut-\u00eatre les ajouter sp\u00e9cifiquement \u00e0 votre police. <\/span>\n\n <\/p>\n\n\n\n

Chauffage, ventilation et climatisation (CVC)<\/h2>\n\n\n\n

Oui, si votre unit\u00e9 a son propre syst\u00e8me CVC, il sera couvert contre les sinistres comme les incendies. Par contre, si le syst\u00e8me CVC fait partie des \u00e9l\u00e9ments communs g\u00e9r\u00e9s par l\u2019association de condo, c\u2019est la police principale de l\u2019immeuble qui le couvre, incluse dans vos frais de condo.<\/span>\n\n <\/p>\n\n\n\n

Cotisations sp\u00e9ciales<\/h2>\n\n\n\n

Non, l\u2019assurance condo ne couvre pas les cotisations sp\u00e9ciales<\/a>. Ces <\/span>frais uniques sont impos\u00e9s par l\u2019association de condo<\/span><\/a> pour couvrir des d\u00e9penses impr\u00e9vues, comme des r\u00e9parations majeures ou des frais de justice. Par exemple, si l\u2019association doit r\u00e9parer le toit de l\u2019immeuble, vous serez responsable de payer votre part de la cotisation.<\/span> \u00a0<\/p>\n\n\n\n

D\u00e9g\u00e2ts d\u2019eau caus\u00e9s par d\u2019autres unit\u00e9s<\/h2>\n\n\n\n

Oui, l\u2019assurance condo peut couvrir les d\u00e9g\u00e2ts d\u2019eau caus\u00e9s par une autre unit\u00e9. Par exemple, si le tuyau de votre voisin \u00e9clate et cause des dommages dans votre unit\u00e9, votre assurance pourrait couvrir les r\u00e9parations. Cependant, cela d\u00e9pend des d\u00e9tails de votre police et de la cause des dommages.<\/span>\n\n <\/p>\n\n\n\n

Dommages aux autres unit\u00e9s<\/h2>\n\n\n\n

Oui, si vous causez des dommages \u00e0 une autre unit\u00e9, votre <\/span>assurance responsabilit\u00e9 civile<\/span><\/a> peut couvrir les r\u00e9parations. Par exemple, si un tuyau \u00e9clate dans votre salle de bain et que l\u2019eau endommage le plafond de l\u2019unit\u00e9 en dessous, votre assurance pourrait payer pour les r\u00e9parations.<\/span> Dans les petits immeubles, une protection de 1 million $ peut suffire. Dans les immeubles plus grands, o\u00f9 les dommages peuvent co\u00fbter plus cher, il est recommand\u00e9 (ou parfois obligatoire) d\u2019augmenter votre protection \u00e0 2 millions $. <\/span>  <\/p>\n\n\n\n

Dommages caus\u00e9s par une inondation<\/h2>\n\n\n\n

Non, l\u2019assurance condo standard au Canada ne couvre pas les d\u00e9g\u00e2ts caus\u00e9s par une inondation. Pour \u00eatre prot\u00e9g\u00e9 en cas de fortes pluies, crues soudaines, d\u00e9bordements de rivi\u00e8res ou fonte des neiges, vous devriez ajouter une option <\/span>qui couvre contre les eaux de surface<\/span><\/a> \u00e0 votre police. Si une inondation est caus\u00e9e par un refoulement d\u2019\u00e9gout, vous aurez besoin d\u2019une protection sp\u00e9cifique pour cela. <\/span><\/p>\n\n\n\n

\u00c9lectrom\u00e9nagers<\/h2>\n\n\n\n

Oui, votre assurance peut couvrir vos \u00e9lectrom\u00e9nagers, comme votre r\u00e9frig\u00e9rateur, votre cuisini\u00e8re, votre lave-vaisselle ou votre laveuse, si un risque couvert, comme un incendie, les endommage ou les d\u00e9truit. Par contre, les bris dus \u00e0 l\u2019usure, la n\u00e9gligence ou des pannes m\u00e9caniques ne sont pas couverts.<\/span>\n\n <\/p>\n\n\n\n

Espaces de rangement<\/h2>\n\n\n\n

Oui, l\u2019assurance condo peut couvrir les biens dans votre espace de rangement en cas de vol ou d\u2019incendie. Cependant, certaines polices limitent la protection pour les biens entrepos\u00e9s en dehors de votre unit\u00e9 principale. V\u00e9rifiez les d\u00e9tails de votre police ou consultez votre assureur.<\/span>\n\n <\/p>\n\n\n\n

Fen\u00eatres<\/h2>\n\n\n\n

Dans de nombreux condos, les fen\u00eatres ext\u00e9rieures sont des \u00e9l\u00e9ments communs, donc g\u00e9r\u00e9es par l\u2019association de condo et couvertes par leur police principale. Mais ce n\u2019est pas toujours le cas. V\u00e9rifiez les d\u00e9tails de votre police et celle de l\u2019association pour \u00eatre certain.<\/span> <\/b>  <\/p>\n\n\n\n\t

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Comparez et achetez l\u2019assurance condo, en ligne.<\/h3>\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\tObtenez 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

Fuites d\u2019eau<\/h2>\n\n\n\n

Oui, l\u2019assurance condo couvre les d\u00e9g\u00e2ts d\u2019eau impr\u00e9visibles, comme des tuyaux \u00e9clat\u00e9s, des pannes d\u2019appareils ou des d\u00e9bordements accidentels. Par contre, certains types de d\u00e9g\u00e2ts, comme un <\/span>refoulement d\u2019\u00e9gout<\/span><\/a>, n\u00e9cessitent une protection sp\u00e9cifique.<\/span>\n\n <\/p>\n\n\n\n

Incendies<\/h2>\n\n\n\n

Oui, votre assurance couvre g\u00e9n\u00e9ralement les d\u00e9g\u00e2ts caus\u00e9s par un incendie ou de la fum\u00e9e, sauf si c\u2019est vous qui l\u2019avez provoqu\u00e9 intentionnellement. Si l\u2019incendie est accidentel, votre assurance peut payer pour remplacer vos biens endommag\u00e9s ou d\u00e9truits. Elle peut aussi couvrir vos frais de logement temporaire si votre condo n\u2019est plus habitable, jusqu\u2019\u00e0 la limite pr\u00e9vue dans votre police. <\/span>\n\n <\/p>\n\n\n\n

Moisissures<\/h2>\n\n\n\n

Oui, l\u2019assurance condo peut couvrir les dommages caus\u00e9s par des moisissures si elles r\u00e9sultent d\u2019un risque couvert, comme un tuyau \u00e9clat\u00e9. Si les moisissures sont dues \u00e0 un manque d\u2019entretien ou \u00e0 de l\u2019usure normale, elles ne seront pas couvertes.<\/span>\n\n <\/p>\n\n\n\n

Plomberie<\/h2>\n\n\n\n

Oui, l\u2019assurance condo couvre les probl\u00e8mes de plomberie dans votre unit\u00e9 si les dommages proviennent d\u2019un risque couvert, comme un tuyau gel\u00e9 qui \u00e9clate, et si cette protection est incluse dans votre police. Les probl\u00e8mes de plomberie dans les parties communes ou les syst\u00e8mes partag\u00e9s sont g\u00e9n\u00e9ralement g\u00e9r\u00e9s par l\u2019association de condo.<\/span>\n\n <\/p>\n\n\n\n

Probl\u00e8mes structurels<\/h2>\n\n\n\n

Les probl\u00e8mes comme des dommages aux fondations, aux murs ext\u00e9rieurs ou au toit sont souvent des \u00e9l\u00e9ments communs, donc g\u00e9r\u00e9s par l\u2019association de condo et couverts par leur police principale. Si ces probl\u00e8mes ne sont pas caus\u00e9s par un risque couvert, l\u2019association pourrait imposer une cotisation sp\u00e9ciale, que vous devrez payer.<\/span>\n\n <\/p>\n\n\n\n

Toits<\/h2>\n\n\n\n

Dans la plupart des condos, les toits sont des \u00e9l\u00e9ments communs, donc entretenus par l\u2019association de condo et couverts par leur police principale. Si les dommages ne sont pas caus\u00e9s par un risque couvert, l\u2019association peut imposer une cotisation sp\u00e9ciale pour les r\u00e9parations, et vous devrez payer votre part.<\/span>\n\n <\/p>\n\n\n\n

Tremblements de terre<\/h2>\n\n\n\n

Non, la protection pour les tremblements de terre n\u2019est pas incluse dans les polices standards. Vous devez demander \u00e0 l\u2019ajouter si vous voulez \u00eatre prot\u00e9g\u00e9 contre ces risques. Si vous vivez dans une <\/span>r\u00e9gion \u00e0 risque<\/span><\/a>, comme le Nord-Est de l\u2019Ontario, le sud des Grands Lacs, l\u2019Ouest du Qu\u00e9bec ou la r\u00e9gion de Charlevoix-Kamouraska, cette option peut \u00eatre utile.<\/span>\n\n <\/p>\n\n\n\n

Usure normale<\/h2>\n\n\n\n

Non, l\u2019assurance condo ne couvre pas l\u2019usure normale. Elle ne prot\u00e8ge que contre les \u00e9v\u00e9nements impr\u00e9visibles. L\u2019usure due \u00e0 l\u2019\u00e2ge ou \u00e0 une utilisation r\u00e9guli\u00e8re est consid\u00e9r\u00e9e comme normale et pr\u00e9visible.<\/span> <\/b>  <\/p>\n\n\n\n

Vol<\/h2>\n\n\n\n

Oui, l\u2019assurance condo couvre g\u00e9n\u00e9ralement les vols et effractions. Elle peut rembourser vos biens vol\u00e9s, m\u00eame si le vol a lieu pendant que vous \u00eates absent, par exemple en vacances.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

En tant que propri\u00e9taire d\u2019un condo, vous faites face \u00e0 des risques similaires \u00e0 ceux des propri\u00e9taires de maison, comme les incendies, les d\u00e9g\u00e2ts d\u2019eau et le vol. Cependant, vivre en condo apporte aussi des risques particuliers qui n\u00e9cessitent une assurance adapt\u00e9e. Dans cet article, nous expliquons ce que couvre…<\/p>\n","protected":false},"author":11,"featured_media":6646,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[469],"tags":[],"class_list":["post-7881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-condo"],"acf":[],"yoast_head":"\nQue couvre l\u2019assurance condo au Canada\u2009? - YouSet<\/title>\n<meta name=\"description\" content=\"Vous avez un condo et voulez savoir ce que votre assurance couvre ou non\u2009? 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