{"id":8445,"date":"2024-11-14T05:01:46","date_gmt":"2024-11-14T05:01:46","guid":{"rendered":"https:\/\/youset.ca\/?p=8445"},"modified":"2026-03-16T12:11:55","modified_gmt":"2026-03-16T12:11:55","slug":"assurance-habitation-couvre-t-elle-les-incendies","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/assurance-habitation-couvre-t-elle-les-incendies\/","title":{"rendered":"L\u2019assurance habitation couvre-t-elle les incendies\u2009?"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Depuis notre enfance, on nous enseigne les dangers du feu. C\u2019est pourquoi, en tant qu\u2019adultes, nous cherchons \u00e0 prot\u00e9ger notre maison et notre famille contre ce risque, notamment avec une assurance contre l\u2019incendie. C\u2019est encore plus important aujourd\u2019hui, avec la <\/span><a href=\"https:\/\/globalnews.ca\/news\/9385098\/ontario-fire-related-deaths-2022\/\"><span style=\"font-weight: 400;\">hausse des incendies<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Que vous soyez <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-locataire\/\"><span style=\"font-weight: 400;\">locataire<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-habitation\/\"><span style=\"font-weight: 400;\">propri\u00e9taire d\u2019une maison<\/span><\/a> <span style=\"font-weight: 400;\"> ou d\u2019un <\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-condo\/\"><span style=\"font-weight: 400;\">condo<\/span><\/a><span style=\"font-weight: 400;\">, cet article r\u00e9pond \u00e0 vos questions sur l\u2019assurance contre l\u2019incendie, notamment si elle est incluse dans votre police d\u2019assurance habitation et si elle est obligatoire.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_60bca3040dcad5b41d484e467f9535e8\" 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;\">Dans la plupart des polices d\u2019assurance habitation, locataire et condo, l\u2019incendie est un risque couvert. Il est toutefois important de revoir votre police afin de comprendre l\u2019\u00e9tendue exacte de votre protection. L\u2019assurance incendie peut g\u00e9n\u00e9ralement aider \u00e0 couvrir les co\u00fbts de r\u00e9paration ou de reconstruction, le remplacement des biens personnels, les frais de subsistance suppl\u00e9mentaires et la responsabilit\u00e9 civile.<\/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-contre-l-incendie\">Qu\u2019est-ce que l\u2019assurance contre l\u2019incendie\u2009?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">L\u2019assurance contre l\u2019incendie vous prot\u00e8ge financi\u00e8rement si un incendie se d\u00e9clare et fait g\u00e9n\u00e9ralement partie de l\u2019assurance habitation, condo ou <\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-locataire\/\"><span style=\"font-weight: 400;\">locataire au Canada<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Pour savoir si vous \u00eates couvert, v\u00e9rifiez si l\u2019incendie est mentionn\u00e9 comme \u00ab\u2009risque couvert\u2009\u00bb dans vos documents d\u2019assurance. Si c\u2019est le cas, votre assurance pourrait couvrir les r\u00e9parations de votre maison, le remplacement des biens endommag\u00e9s et les frais de relogement temporaire, selon les termes de votre police.<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-l-assurance-contre-l-incendie-est-elle-incluse-dans-l-assurance-habitation\">L\u2019assurance contre l\u2019incendie est-elle incluse dans l\u2019assurance habitation\u2009?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Oui, la plupart des polices d\u2019assurance habitation au Canada incluent l\u2019incendie comme un risque couvert, en plus d\u2019autres risques comme le vol, le vandalisme et certains d\u00e9g\u00e2ts d\u2019eau. Il n\u2019y a g\u00e9n\u00e9ralement pas de police d\u2019assurance contre l\u2019incendie seule, car la protection est incluse dans les assurances habitation, condo et locataire standard. Cependant, il est toujours important de v\u00e9rifier vos documents pour conna\u00eetre la protection exacte.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-l-assurance-contre-l-incendie-est-elle-obligatoire\">L\u2019assurance contre l\u2019incendie est-elle obligatoire\u2009?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Bien que l\u2019<\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/lassurance-habitation-est-elle-obligatoire\/\"><span style=\"font-weight: 400;\">assurance habitation ne soit pas obligatoire au Canada<\/span><\/a><span style=\"font-weight: 400;\">, l\u2019assurance contre l\u2019incendie l\u2019est g\u00e9n\u00e9ralement parce qu\u2019elle est <a href=\"https:\/\/youset.ca\/fr\/blog\/comment-lire-une-police-assurance-habitation\/\">incluse dans les polices d\u2019assurance habitation<\/a>.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">Cependant, si vous avez une hypoth\u00e8que, votre banque ou cr\u00e9ancier exigera probablement que vous ayez une assurance habitation, incluant la protection contre l\u2019incendie. De plus, les associations de condos demandent souvent aux propri\u00e9taires de condos d\u2019avoir une assurance contre l\u2019incendie.<\/span><\/p>\n\n\n\n\t<section id=\"post-cta-block_33a17bcb938a0972ceb53fe157ef8f3b\" 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-que-couvre-l-assurance-contre-l-incendie\">Que couvre l\u2019assurance contre l\u2019incendie\u2009?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">L\u2019assurance contre l\u2019incendie peut couvrir plusieurs dommages caus\u00e9s par un incendie. Par exemple, 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;\"> peut aider \u00e0 r\u00e9parer ou remplacer les biens endommag\u00e9s, et couvrir les <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/protection-pour-frais-de-subsistance-supplementaires\/\"><span style=\"font-weight: 400;\">frais de subsistance suppl\u00e9mentaires<\/span><\/a> <span style=\"font-weight: 400;\"> si votre maison devient inhabitable.<\/span> <span style=\"font-weight: 400;\">Voici une id\u00e9e g\u00e9n\u00e9rale de ce que couvre l\u2019assurance contre l\u2019incendie, bien que cela puisse varier selon la police.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\"><strong>Le b\u00e2timent&nbsp;:<\/strong> Le co\u00fbt pour r\u00e9parer ou reconstruire votre maison et les structures attach\u00e9es (p. ex., le garage) si elles sont endommag\u00e9es ou d\u00e9truites par un incendie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Les biens personnels&nbsp;: <\/strong> Le co\u00fbt pour r\u00e9parer ou remplacer vos biens (p. ex., les meubles, les appareils \u00e9lectroniques, les v\u00eatements) endommag\u00e9s ou d\u00e9truits par un incendie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Les structures d\u00e9tach\u00e9es&nbsp;:<\/strong> Le co\u00fbt pour r\u00e9parer ou reconstruire les structures sur votre terrain qui ne sont pas reli\u00e9es \u00e0 votre maison (p. ex., le cabanon, la cl\u00f4ture) endommag\u00e9es ou d\u00e9truites par un incendie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Les frais de subsistance suppl\u00e9mentaires&nbsp;: <\/strong> Les d\u00e9penses pour vivre ailleurs (p. ex., les s\u00e9jours \u00e0 l\u2019h\u00f4tel, les repas) si votre maison est inhabitable \u00e0 cause d\u2019un incendie<\/span><\/li>\n\n\n\n<li><strong>La responsabilit\u00e9 civile&nbsp;: <\/strong> Les frais juridiques et m\u00e9dicaux si un incendie cause des <a href=\"https:\/\/youset.ca\/fr\/blog\/quest-ce-que-lassurance-responsabilite-civile\/\">d\u00e9g\u00e2ts \u00e0 la propri\u00e9t\u00e9 de quelqu\u2019un d\u2019autre ou blesse une autre personne<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quelles-sont-les-conditions-pour-une-assurance-contre-l-incendie\">Quelles sont les conditions pour une assurance contre l\u2019incendie\u2009?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Une assurance contre l\u2019incendie a des r\u00e8gles et des exclusions. Il est important de bien les lire et de poser vos questions \u00e0 votre assureur pour savoir ce qui est couvert ou non.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">Voici quelques conditions fr\u00e9quentes&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\"><strong>N\u00e9gligence&nbsp;:<\/strong> Les incendies caus\u00e9s par un manque de pr\u00e9caution, comme une bougie laiss\u00e9e sans surveillance, peuvent ne pas \u00eatre couverts<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Dommages intentionnels&nbsp;: <\/strong> Si l\u2019incendie est volontaire (incendie criminel), l\u2019assurance refusera la r\u00e9clamation<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Usage commercial&nbsp;: <\/strong> Si un incendie est li\u00e9 \u00e0 une activit\u00e9 commerciale chez vous, les dommages pourraient ne pas \u00eatre couverts, sauf si cela est indiqu\u00e9 dans votre contrat<\/span><\/li>\n\n\n\n<li><strong>V\u00e9hicules&nbsp;: <\/strong> Si un incendie endommage votre voiture, vous devrez faire <a href=\"https:\/\/youset.ca\/fr\/blog\/reclamations-dassurance-auto\/\">une r\u00e9clamation aupr\u00e8s de votre assurance automobile<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quand-appeler-votre-assurance-apres-un-incendie\">Quand appeler votre assurance apr\u00e8s un incendie\u2009?<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Si un incendie cause de gros dommages, des blessures graves ou un d\u00e9c\u00e8s, contactez votre assurance d\u00e8s que c\u2019est s\u00e9curitaire de le faire. Cela vous permettra d\u2019obtenir de l\u2019aide rapidement et de respecter les d\u00e9lais pour faire une r\u00e9clamation.<\/span> <\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Pour de petits dommages, surtout si les r\u00e9parations co\u00fbtent moins que votre franchise, vous pourriez <\/span><a href=\"https:\/\/www.moneysense.ca\/spend\/insurance\/fire-insurance-claims\/\"><span style=\"font-weight: 400;\">envisager de payer les r\u00e9parations vous-m\u00eame<\/span><\/a><span style=\"font-weight: 400;\">. Cela d\u00e9pend de votre contrat et de votre situation financi\u00e8re.<\/span> <span style=\"font-weight: 400;\">Avant d\u2019appeler votre assurance, et si c\u2019est s\u00e9curitaire de le faire, prenez des photos ou vid\u00e9os des d\u00e9g\u00e2ts. Ces preuves peuvent faciliter votre r\u00e9clamation.&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;\">Les incendies peuvent arriver sans pr\u00e9venir et sont stressants. Avoir une bonne assurance pour votre maison, condo ou logement est essentiel. 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;\">, vous pouvez \u00e9conomiser jusqu\u2019\u00e0 29&nbsp;% en moyenne, gr\u00e2ce \u00e0 des contrats d\u2019assurance de grandes compagnies et des rabais automatiques appliqu\u00e9s pour obtenir la meilleure protection au meilleur prix.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Depuis notre enfance, on nous enseigne les dangers du feu. C\u2019est pourquoi, en tant qu\u2019adultes, nous cherchons \u00e0 prot\u00e9ger notre maison et notre famille contre ce risque, notamment avec une assurance contre l\u2019incendie. C\u2019est encore plus important aujourd\u2019hui, avec la hausse des incendies.&nbsp; Que vous soyez locataire, propri\u00e9taire d\u2019une maison [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":9555,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[469,457,465],"tags":[],"class_list":["post-8445","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>L\u2019assurance habitation couvre-t-elle les incendies\u2009? - YouSet<\/title>\n<meta name=\"description\" content=\"L\u2019assurance contre l\u2019incendie vous prot\u00e8ge financi\u00e8rement en cas d\u2019incendie et fait g\u00e9n\u00e9ralement partie de l\u2019assurance habitation au Canada.\" \/>\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-habitation-couvre-t-elle-les-incendies\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019assurance habitation couvre-t-elle les incendies\u2009?\" \/>\n<meta property=\"og:description\" content=\"%\" \/>\n<meta property=\"og:url\" content=\"https:\/\/youset.ca\/fr\/blog\/assurance-habitation-couvre-t-elle-les-incendies\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/yousetinsurance\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-14T05:01:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T12:11:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/youset.ca\/wp-content\/uploads\/2024\/11\/Does-Home-Insurance-Cover-Fires-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=\"5 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-habitation-couvre-t-elle-les-incendies\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-habitation-couvre-t-elle-les-incendies\\\/\"},\"author\":{\"name\":\"Emily May\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#\\\/schema\\\/person\\\/0686aae361019707f752e540bb05fb40\"},\"headline\":\"L\u2019assurance habitation couvre-t-elle les incendies\u2009?\",\"datePublished\":\"2024-11-14T05:01:46+00:00\",\"dateModified\":\"2026-03-16T12:11:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-habitation-couvre-t-elle-les-incendies\\\/\"},\"wordCount\":937,\"publisher\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-habitation-couvre-t-elle-les-incendies\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/youset.ca\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/Does-Home-Insurance-Cover-Fires-YouSet.webp\",\"articleSection\":[\"Assurance condo\",\"Assurance habitation\",\"Assurance locataire\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-habitation-couvre-t-elle-les-incendies\\\/\",\"url\":\"https:\\\/\\\/youset.ca\\\/fr\\\/blog\\\/assurance-habitation-couvre-t-elle-les-incendies\\\/\",\"name\":\"L\u2019assurance habitation couvre-t-elle les incendies\u2009? 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