Clic Assure

Faire l'inventaire de ses biens est indispensable

Tuesday, September 20, 2022 Dernière modification le Monday, September 26, 2022

Êtes-vous suffisamment assuré ?

Évaluer la valeur assurable de sa résidence, c’est assez facile, mais comment savoir si le montant d’assurance que vous possédez pour vos biens meubles est suffisant ?  Si vous êtes comme la plupart des gens, vous avez accumulé au fil des ans des centaines d’objets, petits et grands.

Vous pouvez estimer la valeur des principaux meubles et accessoires pour vous donner une idée approximative du montant d’assurance requis, mais c’est loin d’être une méthode exacte.  

Et si toute la maison passait au feu, comment dresseriez-vous une liste de toutes vos possessions ?

L’inventaire de vos biens

Voilà pourquoi tous les assureurs recommandent à leurs assurés de faire l’inventaire de leurs biens de façon systématique.  Vous aurez non seulement une idée précise de la valeur de vos biens meubles, vous serez aussi prêt si jamais il vous arrive un pépin.

Le moyen le plus simple est de noter ces informations dans un fichier sur votre ordinateur, puis de l’imprimer et de conserver ce document précieusement en dehors de la maison dans un endroit sécuritaire.

Les informations essentielles

Dans le fichier électronique, notez les informations essentielles qui permettront d’identifier chaque objet.  Ceci inclut la marque et le modèle, la couleur, le prix payé et la date de l’achat.  Il est utile de noter aussi la valeur de rachat si elle diffère du prix payé à l’époque.  Une fois que vous aurez complété ce travail, vous pourrez ajuster le montant d’assurance sur votre police en avisant votre professionnel d’assurance.

Veillez aussi à prendre des photos de chaque pièce et à conserver les factures, manuels d’instruction et garanties avec votre inventaire.  Ces documents serviront de pièces justificatives en cas de réclamation.

Pour une tranquillité d’esprit totale

Si vous voulez maximiser vos chances d'obtenir un meilleur prix pour vos protections actuelles, venez chez ClicAssure. Remplissez notre formulaire et obtenez rapidement par courriel les offres de certains de nos partenaires. C’est gratuit !

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