Clic Assure

Assurer sa maison quand on part pour un long séjour

Tuesday, September 20, 2022 Dernière modification le Wednesday, September 21, 2022

Que faire de sa maison pendant un long voyage

Si vous êtes propriétaire d’une maison unifamiliale ou d’un condo et que vous envisagez partir plusieurs mois à l’étranger, allez-vous louer votre résidence ou la prêter ? Si vous êtes locataire, vous pourriez sous-louer l’appartement, meublé ou vide. Vous serez responsable de verser le loyer à votre propriétaire et de maintenir une assurance de base pour couvrir le risque de dommage et les biens qui vous appartiennent.

Assurer les maisons vacantes

Le contrat d’assurance habitation de base est pour le propriétaire occupant. La prime d’une telle assurance est basée sur l’hypothèse que vous occupez le bâtiment en tout temps, ce qui ne sera pas votre cas. Il existe aussi des polices d’assurance pour les chalets et résidences secondaires, mais il est bien plus difficile et onéreux d’assurer certains risques tels que le vol et le vandalisme. 

Vous aurez besoin de convaincre l’assureur de maintenir vos protections actuelles pendant la durée de votre voyage, ce qui risque de faire augmenter votre prime considérablement. L’assureur n’acceptera même pas de vous assurer si vous ne consentez pas à ses exigences, notamment qu’une personne visite votre maison fréquemment afin de ramasser le courrier et de donner l’apparence que la maison est occupée.

Il est sans doute plus simple de demander à un ami de venir vivre chez vous en permanence et de l’ajouter sur votre police d’assurance. Rappelons que pendant la période de gel, vous ne pouvez quitter votre maison plus de 48 heures sans aviser votre assureur. Si des dommages sont causés par le gel des tuyaux et que vous n’avez pas pris de précautions à cet effet, l’assureur peut refuser de couvrir ce sinistre. Lisez votre police d’assurance attentivement pour vérifier les termes de votre obligation. 

Assurer les maisons louées

Si vous choisissez de louer votre domicile pendant votre voyage, vous aurez besoin d’une nouvelle police d’assurance qui comprend les mêmes garanties que vous aviez auparavant sur le bâtiment, ses dépendances et vos biens meubles, mais qui remplace les frais de subsistance supplémentaires par une garantie de valeur locative, afin de garantir les revenus de loyer pendant que des réparations sont effectuées suite à un sinistre couvert.

Ce genre de police s’obtient aisément quand vous détenez une police d’assurance pour votre résidence principale. Ce sera moins aisé lorsque l’assureur apprendra votre projet de voyage à l’étranger. Confiez à une personne responsable de votre entourage le rôle d’administrateur et de personne contact en cas d’urgence afin de faciliter votre tâche.

Pour faire le tour de vos assurances

Vous préparez déjà votre voyage de descendre l’Amazone en pirogue ? N’oubliez pas que vous aurez besoin d’assurance responsabilité civile, le sujet de notre quatrième article.

Vous avez des meubles de trop et des cartons à entreposer ? C’est normal, les places sur la pirogue sont assez limitées. Lisez l’article qui suit : Assurer ses biens pendant un long séjour.

Et pour une couverture complète à un prix compétitif, ne regardez pas plus loin, avec ClicAssure. Économisez temps ou argent en prenant quelques minutes pour remplir notre formulaire.  

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