{"id":8448,"date":"2024-11-28T05:01:28","date_gmt":"2024-11-28T05:01:28","guid":{"rendered":"https:\/\/youset.ca\/?p=8448"},"modified":"2026-03-16T12:11:56","modified_gmt":"2026-03-16T12:11:56","slug":"assurance-locataire-couvre-t-elle-les-degats-deau","status":"publish","type":"post","link":"https:\/\/youset.ca\/fr\/blog\/assurance-locataire-couvre-t-elle-les-degats-deau\/","title":{"rendered":"L\u2019assurance locataire couvre-t-elle les d\u00e9g\u00e2ts d\u2019eau au Canada\u2009?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Au Canada, l\u2019<\/span><a href=\"https:\/\/youset.ca\/fr\/assurance-locataire\/\"><span style=\"font-weight: 400;\">assurance locataire<\/span><\/a> <span style=\"font-weight: 400;\"> couvre certains d\u00e9g\u00e2ts d\u2019eau, \u00e0 condition qu\u2019ils soient soudains et accidentels. Si vos biens sont endommag\u00e9s par des fuites impr\u00e9vues, des bris de tuyaux ou des d\u00e9bordements, vous pourriez \u00eatre couvert. Cependant, cette couverture ne couvre pas tout. Dans certains cas, vous aurez besoin d\u2019une couverture suppl\u00e9mentaire, et certains types de dommages ne seront pas couverts.<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Cet article vous explique quels types de d\u00e9g\u00e2ts d\u2019eau sont souvent couverts par l\u2019assurance locataire, lesquels ne le sont pas, et lesquels n\u00e9cessitent une couverture suppl\u00e9mentaire. Gardez \u00e0 l\u2019esprit que ces informations sont g\u00e9n\u00e9rales et que ce qui est couvert peut varier selon votre police d\u2019assurance et votre assureur. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">V\u00e9rifiez toujours votre <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/comment-lire-votre-police-dassurance-locataire\/\"><span style=\"font-weight: 400;\">police d\u2019assurance locataire<\/span><\/a> <span style=\"font-weight: 400;\">&nbsp;pour savoir ce qui est couvert et ce qui ne l\u2019est pas, et contactez votre compagnie d\u2019assurance si vous avez des questions.<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_f2adf220bd42424a64af2965e9ff4053\" 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\">Au Canada, l\u2019assurance locataire couvre g\u00e9n\u00e9ralement les d\u00e9g\u00e2ts d\u2019eau soudains et accidentels. Les dommages progressifs, \u00e9vitables ou certains types d\u2019inondations n\u00e9cessitent habituellement une protection suppl\u00e9mentaire. Les types de d\u00e9g\u00e2ts d\u2019eau g\u00e9n\u00e9ralement couverts comprennent\u00a0:\u00a0<\/span>\r\n<ul>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Les tuyaux qui \u00e9clatent<\/span><\/li>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un appartement inond\u00e9<\/span><\/li>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Les d\u00e9bordements de toilette<\/span><\/li>\r\n \t<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Les d\u00e9faillances d\u2019appareils \u00e9lectrom\u00e9nagers <\/span><\/li>\r\n<\/ul><\/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-types-de-degats-d-eau-couverts-par-l-assurance-locataire\">Types de d\u00e9g\u00e2ts d\u2019eau couverts par l\u2019assurance locataire<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">L\u2019<\/span><a href=\"https:\/\/youset.ca\/fr\/guide-assurance-locataire\/\"><span style=\"font-weight: 400;\">assurance locataire couvre g\u00e9n\u00e9ralement les d\u00e9g\u00e2ts d\u2019eau<\/span><\/a> <span style=\"font-weight: 400;\"> qui se produisent de mani\u00e8re impr\u00e9visible. Cela signifie que les d\u00e9g\u00e2ts doivent survenir soudainement, sans avertissement, et qu\u2019il n\u2019y avait rien \u00e0 faire pour les \u00e9viter. Voici quelques exemples de d\u00e9g\u00e2ts d\u2019eau souvent couverts par l\u2019assurance locataire&nbsp;:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Les d\u00e9g\u00e2ts d\u2019eau caus\u00e9s par les pompiers pendant un incendie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les bris de plomberie soudains (p. ex., les tuyaux \u00e9clat\u00e9s)&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les d\u00e9bordements de toilettes<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Les bris d\u2019\u00e9lectrom\u00e9nagers (p. ex., la laveuse)&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-degats-d-eau-causes-par-les-pompiers-pendant-un-incendie\">D\u00e9g\u00e2ts d\u2019eau caus\u00e9s par les pompiers pendant un incendie<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si un incendie se d\u00e9clare dans votre logement, l\u2019eau utilis\u00e9e par les pompiers pour \u00e9teindre le brasier peut causer des d\u00e9g\u00e2ts \u00e0 vos biens. Votre assurance couvrira g\u00e9n\u00e9ralement les frais pour r\u00e9parer ou remplacer les biens endommag\u00e9s, car ce type de d\u00e9g\u00e2t est li\u00e9 \u00e0 une urgence.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bris-de-plomberie-soudains\">Bris de plomberie soudains<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si un tuyau \u00e9clate ou si vous avez un probl\u00e8me soudain de plomberie, votre assurance locataire couvre g\u00e9n\u00e9ralement les dommages \u00e0 vos biens. M\u00eame si c\u2019est surtout la responsabilit\u00e9 de votre propri\u00e9taire de pr\u00e9venir ces probl\u00e8mes, vous pouvez r\u00e9duire les risques en v\u00e9rifiant r\u00e9guli\u00e8rement s\u2019il y a des fuites, en gardant votre logement bien chauff\u00e9 par temps froid et en signalant rapidement tout probl\u00e8me \u00e0 votre propri\u00e9taire.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-debordements-de-toilettes\">D\u00e9bordements de toilettes<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si une toilette d\u00e9borde \u00e0 cause d\u2019un blocage ou d\u2019un probl\u00e8me impr\u00e9vu, les dommages \u00e0 vos biens sont habituellement couverts. Par contre, si vous ne dites pas \u00e0 votre propri\u00e9taire qu\u2019il y a un probl\u00e8me, votre r\u00e9clamation pourrait \u00eatre refus\u00e9e. Pour \u00e9viter cela, informez votre propri\u00e9taire d\u00e8s que vous voyez un probl\u00e8me et gardez des preuves de vos messages et des r\u00e9parations effectu\u00e9es. Cela vous aidera si vous devez faire une r\u00e9clamation.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bris-d-electromenagers\">Bris d\u2019\u00e9lectrom\u00e9nagers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si un appareil comme un lave-vaisselle, une laveuse ou un chauffe-eau tombe en panne soudainement et endommage vos biens, votre assurance locataire couvre g\u00e9n\u00e9ralement les d\u00e9g\u00e2ts. Par contre, si l\u2019appareil n\u2019a pas \u00e9t\u00e9 bien entretenu ou est trop vieux, votre r\u00e9clamation pourrait \u00eatre refus\u00e9e. Prenez soin de vos appareils et signalez vite tout probl\u00e8me \u00e0 votre propri\u00e9taire.&nbsp;<\/span><\/p>\n\n\n\n\t<section id=\"post-cta-block_a169aca5e63cc5904e7d31f111c8dd96\" class=\"post-block pt-8 pb-8 lg:pb-20\">\n\t\t\t\t<div class=\"lg:flex justify-between items-center 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 locataire 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\t\t<\/section>\n\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-de-degats-d-eau-necessitant-une-protection-supplementaire\">Types de d\u00e9g\u00e2ts d\u2019eau n\u00e9cessitant une protection suppl\u00e9mentaire<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Tenir pour acquis que votre assurance locataire couvre un type de dommage d\u2019eau peut entra\u00eener des d\u00e9penses impr\u00e9vues si ce n\u2019est pas le cas. Pour \u00e9viter les mauvaises surprises, voici un r\u00e9sum\u00e9 des protections optionnelles les plus courantes contre les d\u00e9g\u00e2ts d\u2019eau et de ce qu\u2019elles couvrent.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-la-fonte-rapide-de-neige-et-les-fortes-pluies\">La fonte rapide de neige et les fortes pluies<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si l\u2019eau entre dans votre logement au niveau du sol \u00e0 cause de la fonte rapide des neiges, de fortes pluies ou d\u2019un d\u00e9bordement de rivi\u00e8re, vos biens seront couverts seulement si vous avez ajout\u00e9 une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/protection-contre-les-dommages-deau-de-surface\/\"><span style=\"font-weight: 400;\">protection contre les dommages d\u2019eau de surface<\/span><\/a> <span style=\"font-weight: 400;\"> \u00e0 votre police.<\/span> &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-les-toits-ou-gouttieres-qui-fuient\">Les toits ou goutti\u00e8res qui fuient<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si de l\u2019eau entre dans votre logement par le toit ou des goutti\u00e8res d\u00e9bordantes, vos biens ne seront couverts que si vous avez ajout\u00e9 une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/quest-ce-que-la-protection-eau-au-dessus-du-sol\/\"><span style=\"font-weight: 400;\">protection eau au-dessus du sol<\/span><\/a> <span style=\"font-weight: 400;\"> \u00e0 votre police.&nbsp;<\/span> &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-les-refoulements-d-egouts\">Les refoulements d\u2019\u00e9gouts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Les d\u00e9g\u00e2ts caus\u00e9s par un refoulement d\u2019\u00e9gout ou de drain ne sont g\u00e9n\u00e9ralement pas couverts par votre assurance locataire. Pour \u00eatre prot\u00e9g\u00e9, vous devez ajouter une <\/span><a href=\"https:\/\/youset.ca\/fr\/blog\/qu-est-ce-que-lassurance-contre-le-refoulement-degouts\/\"><span style=\"font-weight: 400;\">protection contre le refoulement d\u2019\u00e9gouts<\/span><\/a> <span style=\"font-weight: 400;\"> \u00e0 votre police.<\/span> &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-de-degats-d-eau-que-l-assurance-locataire-ne-couvre-pas\">Types de d\u00e9g\u00e2ts d\u2019eau que l\u2019assurance locataire ne couvre pas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Il y a toujours des exclusions \u00e0 prendre en consid\u00e9ration en assurance. Pour les d\u00e9g\u00e2ts d\u2019eau, les exclusions les plus courantes concernent la n\u00e9gligence, les dommages intentionnels ou les probl\u00e8mes d\u2019entretien.<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-negligence\">N\u00e9gligence<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Si vous ne prenez pas soin de votre logement et que cela cause des d\u00e9g\u00e2ts d\u2019eau \u00e0 vos biens, votre assurance ne couvrira pas les co\u00fbts. Par exemple, si vous ignorez une fuite et qu\u2019elle cause des d\u00e9g\u00e2ts, votre r\u00e9clamation pourrait \u00eatre refus\u00e9e.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reparations-a-la-plomberie\">R\u00e9parations \u00e0 la plomberie<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Votre assurance locataire ne couvre pas les frais pour r\u00e9parer la plomberie ou la source du d\u00e9g\u00e2t d\u2019eau. Par exemple, r\u00e9parer un tuyau cass\u00e9, ou corriger une installation d\u00e9fectueuse est la responsabilit\u00e9 de votre propri\u00e9taire.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-moisissures-dues-a-une-fuite-a-long-terme\">Moisissures dues \u00e0 une fuite \u00e0 long terme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si des moisissures apparaissent \u00e0 cause d\u2019un d\u00e9g\u00e2t d\u2019eau non signal\u00e9, comme une fuite lente, elles ne seront pas couvertes. Seules les moisissures caus\u00e9es par un \u00e9v\u00e9nement soudain et couvert par votre assurance peuvent l\u2019\u00eatre.\n\n&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-dommages-intentionnels\">Dommages intentionnels<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les d\u00e9g\u00e2ts d\u2019eau caus\u00e9s par un comportement volontaire, irresponsable ou malveillant ne sont jamais couverts. L\u2019assurance locataire prot\u00e8ge uniquement contre les incidents accidentels et impr\u00e9vus.\n\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Au Canada, l\u2019assurance locataire couvre certains d\u00e9g\u00e2ts d\u2019eau, \u00e0 condition qu\u2019ils soient soudains et accidentels. Si vos biens sont endommag\u00e9s par des fuites impr\u00e9vues, des bris de tuyaux ou des d\u00e9bordements, vous pourriez \u00eatre couvert. Cependant, cette couverture ne couvre pas tout. Dans certains cas, vous aurez besoin d\u2019une couverture&#8230;<\/p>\n","protected":false},"author":11,"featured_media":7318,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[465],"tags":[],"class_list":["post-8448","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-locataire"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>L\u2019assurance locataire couvre-t-elle les d\u00e9g\u00e2ts d\u2019eau\u2009? - YouSet<\/title>\n<meta name=\"description\" content=\"Les polices d\u2019assurance locataire couvrent certains types de d\u00e9g\u00e2ts d\u2019eau soudains et accidentels. 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