{"id":11754,"date":"2024-10-30T12:27:33","date_gmt":"2024-10-30T12:27:33","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/fr-ca\/?page_id=11754"},"modified":"2026-03-27T11:46:38","modified_gmt":"2026-03-27T15:46:38","slug":"assurance-coproprietaires","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/assurance-coproprietaires\/","title":{"rendered":"Assurance des copropri\u00e9taires"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg is-style-default default\" style=\"background:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/condo_insurance_hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/condo_insurance_hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum is-style-default default default default default default default default default default default default default default default default default default default default default default default default default\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/\">Accueil<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-assurance-des-coproprietaires\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Assurance des copropri\u00e9taires<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large\">Nous pouvons vous aider \u00e0 obtenir la protection qui vous convient.<\/p>\n\n\n\n<div class=\"wp-block-buttons mar-t-hlf mob-mar-t-hlf is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HPPOGT&amp;lang=fr\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-940a7e33\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Obtenir ma soumission-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HPPOGT&amp;lang=fr \">Obtenir ma soumission<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner mar-t-0 mar-b-0 pad-b-0 pad-t-0\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-les-proprietaires-d-un-logement-en-copropriete-ont-des-besoins-d-assurance-particuliers\">Les propri\u00e9taires d\u2019un logement en copropri\u00e9t\u00e9 ont des besoins d\u2019assurance particuliers<\/h2>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-comment-l-assurance-des-coproprietaires-vous-protege-1\"><span class=\"partial__border-bottom\">Comment l\u2019assurance des copropri\u00e9taires vous prot\u00e8ge<\/span><sup><a href=\"#legal-1\" data-dig-id=\"LP-17797-9e7d27c7\" data-dig-label=\"*\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-vos-biens-personnels\">Vos biens personnels<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf\">Vous prot\u00e8ge financi\u00e8rement contre la perte ou les dommages touchant vos meubles, v\u00eatements et autres effets personnels qui se trouvent \u00e0 l\u2019int\u00e9rieur de votre logement en copropri\u00e9t\u00e9 ou de votre v\u00e9hicule.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-ameliorations-apportees-au-logement\">Am\u00e9liorations apport\u00e9es au logement<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf\">Prot\u00e8ge les am\u00e9liorations (comme un meilleur rev\u00eatement de sol, des appareils d\u2019\u00e9clairage haut de gamme ou des comptoirs de granit) que vous ou un propri\u00e9taire pr\u00e9c\u00e9dent avez effectu\u00e9es.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-frais-de-subsistance\">Frais de subsistance<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf\">Couvre les frais d\u2019h\u00e9bergement \u00e0 l\u2019h\u00f4tel, d\u2019entreposage et autres frais si vous ne pouvez occuper votre logement en copropri\u00e9t\u00e9 parce qu\u2019il est est en cours de r\u00e9paration par suite d\u2019un sinistre assur\u00e9.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-responsabilite-et-lacunes\">Responsabilit\u00e9 et lacunes<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-t-hlf mob-mar-t-hlf\">Vous procure une protection financi\u00e8re si vous causez involontairement des dommages mat\u00e9riels ou des blessures \u00e0 autrui ou s\u2019il y a une lacune dans l\u2019assurance du syndicat des copropri\u00e9taires.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left mar-t-dbl mob-mar-t-dbl\" id=\"h-apercu-de-l-assurance-1\">Aper\u00e7u de l\u2019assurance<a href=\"#legal-1\" data-dig-id=\"LP-17797-ba121abe\" data-dig-label=\"*\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\"><sup>1<\/sup><\/a><\/h2>\n\n\n\n<p class=\"has-text-align-left p-large\"><span class=\"partial__border-bottom\">L\u2019assurance des copropri\u00e9taires \u2013 formule g\u00e9n\u00e9rale offre une protection abordable contre un large \u00e9ventail de risques.<\/span><\/p>\n\n\n\n<div class=\"wp-block-rbc-basic-tables basicTables mar-t mob-mar-t\">\n<div class=\"wp-block-rbc-basic-table basicTable\"><div class=\"basicTable__sliderNav\" role=\"navigation\" aria-label=\"Table navigation\"><div class=\"basicTable__navArrow basicTable__prevArrow\" aria-label=\"Previous\"><\/div><div class=\"basicTable__sliderDots\" role=\"tablist\" aria-label=\"Table pagination\"><\/div><div class=\"basicTable__navArrow basicTable__nextArrow\" aria-label=\"Next\"><\/div><\/div><table class=\"basicTable__table\" role=\"table\" aria-label=\"Comparison table\">\n<thead class=\"wp-block-rbc-basic-table-head basicTableHead\" role=\"rowgroup\" aria-label=\"Table head\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-type-de-couverture\">Type de couverture<\/h4>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-details-du-plan\">D\u00e9tails du plan<\/h4>\n<\/th>\n<\/tr>\n<\/thead>\n\n\n\n<tbody class=\"wp-block-rbc-basic-table-body basicTableBody\" role=\"rowgroup\" aria-label=\"Table body\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#personal-belongings\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15298-0b1cc0c0\" data-dig-label=\"Personal Belongings\/Contents\" data-dig-action=\"link click\" data-dig-category=\"LP\">Biens personnels\/Biens meubles<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#all-perils-coverage\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-2f499900\" data-dig-label=\"Garantie Tous risques\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Garantie Tous risques<\/a><br>Le montant d\u2019assurance varie d\u2019une police \u00e0 l\u2019autre<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/plafonds-particuliers\/\" target=\"_blank\" data-dig-id=\"LP-15298-917404c7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Special Limits on Certain Personal Belongings\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Limitations particuli\u00e8res applicables \u00e0 certains biens personnels<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Oui, voir <a href=\"https:\/\/silver.rbcinsurance.com\/fr\/assurance-habitation\/_assets-custom\/popups\/plafonds-particuliers.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-a03c4c0c\" data-dig-label=\"limitations particuli\u00e8res\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">limitations particuli\u00e8res<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#non-owned-property-coverage\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15298-08bb537d\" data-dig-label=\"Non-owned Property\" data-dig-action=\"link click\" data-dig-category=\"LP\">Biens n\u2019appartenant pas \u00e0 l\u2019assur\u00e9<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Couvert<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#property-other-locations\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-15298-61e1b34c\" data-dig-label=\"Personal Property at Other Location\" data-dig-action=\"link click\" data-dig-category=\"LP\">Biens meubles hors des lieux assur\u00e9s<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Couverture pendant une absence temporaire du domicile<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#property-in-your-vehicle-coverage\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-31b9b4cf\" data-dig-label=\"Biens contenus dans votre v\u00e9hicule\" data-dig-action=\"link click\" data-dig-category=\"LP\">Biens contenus dans votre v\u00e9hicule<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Jusqu\u2019\u00e0 100 % de la garantie Biens meubles<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#unit-improvements\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-93b24765\" data-dig-label=\"Am\u00e9liorations et r\u00e9novations du logement\" data-dig-action=\"link click\" data-dig-category=\"LP\">Am\u00e9liorations et r\u00e9novations du logement<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Jusqu\u2019\u00e0 100 % de la garantie Biens meubles<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#additional-living-expenses-coverage\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-916e07de\" data-dig-label=\"Frais de subsistance suppl\u00e9mentaires\" data-dig-action=\"link click\" data-dig-category=\"LP\">Frais de subsistance suppl\u00e9mentaires<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Jusqu\u2019\u00e0 25 % de la garantie Biens meubles<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#liability-coverage\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-302db41e\" data-dig-label=\"Responsabilit\u00e9 civile\" data-dig-action=\"link click\" data-dig-category=\"LP\">Responsabilit\u00e9 civile<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>1 000 000 $ &#8211; 2 000 000 $<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#voluntary-medical\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-4e19d267\" data-dig-label=\"Remboursement volontaire des frais m\u00e9dicaux\" data-dig-action=\"link click\" data-dig-category=\"LP\">Remboursement volontaire des frais m\u00e9dicaux<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>5 000 $<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#voluntary-property\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-4daa11b9\" data-dig-label=\"R\u00e8glement volontaire des dommages aux biens de tiers\" data-dig-action=\"link click\" data-dig-category=\"LP\">R\u00e8glement volontaire des dommages aux biens de tiers<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>1 000 $<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#loss-assessment-liability\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-02fb08e7\" data-dig-label=\"Garantie R\u00e9partition apr\u00e8s sinistre en cas de responsabilit\u00e9 civile\" data-dig-action=\"link click\" data-dig-category=\"LP\">Garantie R\u00e9partition apr\u00e8s sinistre en cas de responsabilit\u00e9 civile<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>\u00c0 concurrence du montant total d\u2019assurance responsabilit\u00e9 civile<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#loss-assessment-liability\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-ac733924\" data-dig-label=\"Garantie R\u00e9partition apr\u00e8s sinistre en cas de dommages mat\u00e9riels\" data-dig-action=\"link click\" data-dig-category=\"LP\">Garantie R\u00e9partition apr\u00e8s sinistre en cas de dommages mat\u00e9riels<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>250 % de la garantie Biens meubles<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#unit-contingency\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-740053c4\" data-dig-label=\"Garantie de protection compl\u00e9mentaire du logement\" data-dig-action=\"link click\" data-dig-category=\"LP\">Garantie de protection compl\u00e9mentaire du logement<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>250 % de la garantie Biens meubles<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/extensions-de-garantie\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-0aeaa2f3\" data-dig-label=\"Extensions de garantie\" data-dig-action=\"link click\" data-dig-category=\"LP\">Extensions de garantie<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Oui, voir <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/extensions-de-garantie\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-dceb91b2\" data-dig-label=\"extensions de garantie\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">extensions de garantie<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/avenants-assurance-biens\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-4bd494ae\" data-dig-label=\"Avenants facultatifs\" data-dig-action=\"link click\" data-dig-category=\"LP\">Avenants facultatifs<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Offerts, voir <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/avenants-assurance-biens\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-9ec20e8a\" data-dig-label=\"avenants\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">avenants<\/a><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#deductible\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-059585bb\" data-dig-label=\"Franchise\" data-dig-action=\"link click\" data-dig-category=\"LP\">Franchise<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>1 000 $<\/strong><\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><a class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/termes-assurance-condo\/#deductible-waiver\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-b4780b72\" data-dig-label=\"Exon\u00e9ration de la franchise\" data-dig-action=\"link click\" data-dig-category=\"LP\">Exon\u00e9ration de la franchise<\/a><\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Oui, si la demande de r\u00e8glement d\u00e9passe 25 000 $<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image  showPostalCode\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-obtenez-une-soumission\">Obtenez une soumission<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Voyez ce que co\u00fbterait votre assurance des copropri\u00e9taires. Obtenez une soumission en ligne maintenant.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=autoandhome&amp;campaignID=E4IDBOGT&amp;lang=EN\" data-dig-id=\"LP-11754-0d85d5e5\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=autoandhome&amp;campaignID=E4IDBOGT&amp;lang=EN \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\" get-your-free-quote \">or<\/p>\n\n\n\n<p class=\" get-your-free-quote \">Call <a href=\"tel:1-866-847-8832\">1-866-847-8832<\/a><\/p>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HPPOCT&amp;lang=fr\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Votre code postal<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-11754-5075a126\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Obtenez une soumission-# \">Obtenez une soumission<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Veuillez fournir un code postal valide au format A1A 1A1.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Vous souhaitez parler \u00e0 un conseiller&nbsp;? <a href=\"https:\/\/silver.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-habitation\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-11754-e2d8c478\" data-dig-label=\"R\u00e9servez un appel maintenant\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">R\u00e9servez un appel maintenant<\/a>. Ou <a href=\"tel:+18777497224\" data-dig-id=\"LP-11754-f8ed6dbf\" data-dig-label=\"composez le 1-877-749-7224\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">composez le 1 877 749-7224<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/home-insurance-cta.webp?quality=80&amp;w=606\" alt=\"image d'un jeune couple debout devant leur nouvelle maison\" class=\"wp-image-13414\" srcset=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/home-insurance-cta.webp 606w, https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2024\/10\/home-insurance-cta.webp?resize=300,284 300w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuItems__dropdown is-style-default default\"><div class=\"faqWrapper__header\"><h2>FAQ sur l\u2019assurance habitation et de biens<\/h2><p class=\"p-large\"><span class=\"partial__border-bottom\">Trouvez les r\u00e9ponses \u00e0 vos questions sur l\u2019assurance habitation, les franchises et les primes.<\/span><\/p><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Couverture\">\n\t\t\t\t\tCouverture\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tCouverture\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tFranchises et primes\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Couverture<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Franchises et primes<\/div><\/div><p class=\"faqWrapper__helpText\">Vous souhaitez parler \u00e0 un conseiller\u00a0? <a href=\"https:\/\/silver.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-habitation\/index.html\" target=\"_blank\" data-dig-id=\"LP-11754-f50d85c2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"R\u00e9servez un appel maintenant\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">R\u00e9servez un appel maintenant<\/a><\/p><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Couverture<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title1jgugdqk\" class=\"collapse-toggle collapsed\" data-target=\"#accordion1jgugdqk\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-1jgugdqk\" aria-controls=\"accordion1jgugdqk\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Que couvre g\u00e9n\u00e9ralement l\u2019assurance habitation?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Que couvre g\u00e9n\u00e9ralement l\u2019assurance habitation?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion1jgugdqk\" role=\"region\" aria-labelledby=\"accordion-title1jgugdqk\"><div class=\"collapse-inner\">\n<p>Cela d\u00e9pend du type de maison dans laquelle vous vivez. Si vous \u00eates propri\u00e9taire d\u2019une maison, votre assurance habitation couvrira la maison elle-m\u00eame et ses d\u00e9pendances, comme une cl\u00f4ture ou une remise.<\/p>\n\n\n\n<p>Votre assurance couvrira \u00e9galement les biens personnels comme les bijoux, objets d\u2019art, meubles, ordinateurs, moquettes et plus encore.<\/p>\n\n\n\n<p>Enfin, votre police comprend aussi une assurance responsabilit\u00e9 civile. Elle vous prot\u00e8ge contre la responsabilit\u00e9 civile qui pourrait vous incomber personnellement si quelqu\u2019un se blesse sur votre propri\u00e9t\u00e9 ou si vous causez accidentellement des dommages \u00e0 la propri\u00e9t\u00e9 d\u2019un voisin.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletcbny7xw\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontcbny7xw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-tcbny7xw\" aria-controls=\"accordiontcbny7xw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quand devrais-je souscrire une assurance habitation ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quand devrais-je souscrire une assurance habitation ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontcbny7xw\" role=\"region\" aria-labelledby=\"accordion-titletcbny7xw\"><div class=\"collapse-inner\">\n<p>Votre couverture devrait entrer en vigueur d\u00e8s que vous devenez propri\u00e9taire ou locataire au sens de la loi, m\u00eame si votre maison ou logement en copropri\u00e9t\u00e9 est en cours de construction.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletcs2j5a5\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontcs2j5a5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-tcs2j5a5\" aria-controls=\"accordiontcs2j5a5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quelle est la diff\u00e9rence entre la garantie Tous risques et la garantie Risques d\u00e9sign\u00e9s ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quelle est la diff\u00e9rence entre la garantie Tous risques et la garantie Risques d\u00e9sign\u00e9s ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontcs2j5a5\" role=\"region\" aria-labelledby=\"accordion-titletcs2j5a5\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>La garantie&nbsp;<strong>Tous risques<\/strong>&nbsp;prot\u00e8ge vos biens assur\u00e9s contre la gamme la plus \u00e9tendue de risques et n\u2019exclut que les risques express\u00e9ment d\u00e9sign\u00e9s dans votre police.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>La garantie&nbsp;<strong>Risques d\u00e9sign\u00e9s<\/strong>&nbsp;prot\u00e8ge vos biens assur\u00e9s contre les risques les plus courants, \u00e9num\u00e9r\u00e9s dans votre police.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlecatxz2ql\" class=\"collapse-toggle collapsed\" data-target=\"#accordioncatxz2ql\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-catxz2ql\" aria-controls=\"accordioncatxz2ql\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Pourquoi est-il important de souscrire une assurance des locataires ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Pourquoi est-il important de souscrire une assurance des locataires ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioncatxz2ql\" role=\"region\" aria-labelledby=\"accordion-titlecatxz2ql\"><div class=\"collapse-inner\">\n<p class=\"default is-style-default default default default default default default default default default default default default default default default default default default default default default\">Le propri\u00e9taire du logement que vous louez d\u00e9tient presque toujours une assurance sur le b\u00e2timent lui-m\u00eame. Il pourrait aussi d\u00e9tenir une couverture pour certains \u00e9l\u00e9ments situ\u00e9s \u00e0 l\u2019int\u00e9rieur de votre logement locatif comme les moquettes, les lumi\u00e8res encastr\u00e9es et les \u00e9lectrom\u00e9nagers. Vous vous demandez peut-\u00eatre pourquoi vous avez aussi besoin d\u2019une assurance.<\/p>\n\n\n\n<p>Voici deux excellentes raisons&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>L\u2019assurance du propri\u00e9taire ne couvre pas vos effets personnels. Vos bijoux, vos objets d\u2019art, vos meubles, votre mat\u00e9riel \u00e9lectronique et vos autres effets de valeur ne sont pas prot\u00e9g\u00e9s.<\/li>\n\n\n\n<li>Vous avez aussi besoin de vous prot\u00e9ger contre la responsabilit\u00e9 personnelle pour des blessures \u00e0 des personnes qui viennent vous rendre visite ou pour les dommages que vous causez accidentellement \u00e0 la propri\u00e9t\u00e9 de vos voisins.<\/li>\n<\/ul>\n\n\n\n<p>Pour plus de pr\u00e9cisions, consultez : <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/assurance-locataires\/\" target=\"_blank\" data-dig-id=\"LP-11754-65c87ef9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Assurance des locataires\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Assurance des locataires<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleyk0juxyg\" class=\"collapse-toggle collapsed\" data-target=\"#accordionyk0juxyg\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-yk0juxyg\" aria-controls=\"accordionyk0juxyg\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Pourquoi est-il important de souscrire une assurance des copropri\u00e9taires ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Pourquoi est-il important de souscrire une assurance des copropri\u00e9taires ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionyk0juxyg\" role=\"region\" aria-labelledby=\"accordion-titleyk0juxyg\"><div class=\"collapse-inner\">\n<p>Votre syndicat des copropri\u00e9taires a souscrit une assurance, et vous vous demandez peut-\u00eatre pourquoi vous avez besoin de votre propre assurance.<\/p>\n\n\n\n<p>Voici trois excellentes raisons&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>La police souscrite par le syndicat des copropri\u00e9taires ne couvre pas vos effets personnels. Vos bijoux, vos objets d\u2019art, vos meubles, votre mat\u00e9riel \u00e9lectronique et vos autres effets de valeur ne sont pas prot\u00e9g\u00e9s.<\/li>\n\n\n\n<li>La police souscrite par le syndicat des copropri\u00e9taires ne couvre que les \u00e9l\u00e9ments qui font partie du b\u00e2timent. Vous avez besoin de votre propre assurance pour prot\u00e9ger les am\u00e9liorations apport\u00e9es dans votre logement comme des moquettes de meilleure qualit\u00e9 et des placards int\u00e9gr\u00e9s.<\/li>\n\n\n\n<li>Enfin, vous avez besoin de vous prot\u00e9ger contre la responsabilit\u00e9 personnelle pour des blessures \u00e0 des personnes qui viennent vous rendre visite ou pour les dommages que vous causez accidentellement \u00e0 la propri\u00e9t\u00e9 d\u2019un voisin.<\/li>\n<\/ul>\n\n\n\n<p>Pour plus de pr\u00e9cisions, consultez : Assurance des copropri\u00e9taires.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlekb3dcosn\" class=\"collapse-toggle collapsed\" data-target=\"#accordionkb3dcosn\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-kb3dcosn\" aria-controls=\"accordionkb3dcosn\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Comment l\u2019assurance responsabilit\u00e9 civile me couvre-t-elle ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Comment l\u2019assurance responsabilit\u00e9 civile me couvre-t-elle ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionkb3dcosn\" role=\"region\" aria-labelledby=\"accordion-titlekb3dcosn\"><div class=\"collapse-inner\">\n<p>L\u2019assurance responsabilit\u00e9 civile comprise dans les polices d\u2019assurance des propri\u00e9taires occupants, des copropri\u00e9taires ou des locataires vous prot\u00e8ge sur le plan financier si vous causez involontairement des blessures corporelles ou des dommages mat\u00e9riels \u00e0 d\u2019autres personnes, que ce soit \u00e0 domicile ou&nbsp;<em>ailleurs dans le monde.<\/em>&nbsp;Par exemple&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>La gardienne de vos enfants glisse sur un liquide renvers\u00e9 sur le sol de votre cuisine et se blesse au dos.<\/li>\n\n\n\n<li>Votre four grille-pain prend feu et l\u2019incendie cause des dommages \u00e0 votre maison\/logement et \u00e0 une partie de la maison\/du logement de votre voisin.<\/li>\n\n\n\n<li>Pendant des vacances en Floride, vous lancez une balle de baseball sur la plage et cassez accidentellement la dent d\u2019un passant.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleduhdu427\" class=\"collapse-toggle collapsed\" data-target=\"#accordionduhdu427\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-duhdu427\" aria-controls=\"accordionduhdu427\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Ma police d\u2019assurance habitation couvre-t-elle tous les d\u00e9g\u00e2ts d\u2019eau ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Ma police d\u2019assurance habitation couvre-t-elle tous les d\u00e9g\u00e2ts d\u2019eau ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionduhdu427\" role=\"region\" aria-labelledby=\"accordion-titleduhdu427\"><div class=\"collapse-inner\">\n<p>La protection offerte en cas de d\u00e9g\u00e2ts d\u2019eau d\u00e9pend d\u2019un certain nombre de facteurs, comme l\u2019endroit o\u00f9 vous vivez et la fa\u00e7on dont votre habitation a \u00e9t\u00e9 construite. Des protections pour certains types de d\u00e9g\u00e2ts d\u2019eau peuvent \u00eatre incluses automatiquement dans votre police, et vous devrez peut-\u00eatre souscrire certaines protections en plus.<\/p>\n\n\n\n<p>Les inondations et les infiltrations sont deux exemples de causes de d\u00e9g\u00e2ts d\u2019eau qui ne couvrent pas la plupart des polices d\u2019assurance habitation standard&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Une&nbsp;<strong>inondation<\/strong>&nbsp;cr\u00e9e des dommages en raison de l\u2019eau provenant de sources comme un lac, une rivi\u00e8re ou un important volume d\u2019eau de piscine qui envahit votre habitation.<\/li>\n\n\n\n<li>Les&nbsp;<strong>infiltrations<\/strong>&nbsp;font r\u00e9f\u00e9rence au lent \u00e9coulement d\u2019eau ou d\u2019un autre liquide par une petite ouverture, une fissure ou un interstice dans votre habitation.<\/li>\n<\/ul>\n\n\n\n<p>Les causes de d\u00e9g\u00e2ts d\u2019eau suivantes&nbsp;sont habituellement couvertes par la plupart des polices d\u2019assurance habitation standard ou peuvent \u00eatre couvertes par voie d\u2019avenant&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Le refoulement des \u00e9gouts&nbsp;<\/strong>\u2022 survient lorsque les eaux des \u00e9gouts sont refoul\u00e9es dans votre maison ou lorsque la pompe de puisard tombe en panne. (Il est possible d\u2019ajouter la garantie de refoulement des \u00e9gouts par voie d\u2019avenant.)<\/li>\n\n\n\n<li><strong>Fuite d\u2019eau&nbsp;:<\/strong>&nbsp;cette garantie couvre les d\u00e9g\u00e2ts d\u2019eau lorsque votre baignoire ou votre \u00e9vier d\u00e9borde, ou lorsqu\u2019une canalisation ou un tuyau brise \u00e0 l\u2019int\u00e9rieur de votre habitation.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleftnhkx9l\" class=\"collapse-toggle collapsed\" data-target=\"#accordionftnhkx9l\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-ftnhkx9l\" aria-controls=\"accordionftnhkx9l\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Mon assurance habitation comprend-elle une garantie contre les tremblements de terre ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Mon assurance habitation comprend-elle une garantie contre les tremblements de terre ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionftnhkx9l\" role=\"region\" aria-labelledby=\"accordion-titleftnhkx9l\"><div class=\"collapse-inner\">\n<p>L\u2019envoi n\u2019est pas effectu\u00e9 automatiquement. Toutefois, vous pouvez souscrire une garantie contre les tremblements de terre moyennant un suppl\u00e9ment de prime. Pour plus de pr\u00e9cisions, consulter <a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/avenants-assurance-biens\/\" target=\"_blank\" data-dig-id=\"LP-11754-168a68ec\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Avenants \u00e0 votre assurance de biens\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Avenants \u00e0 votre assurance de biens<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlepui2n2wf\" class=\"collapse-toggle collapsed\" data-target=\"#accordionpui2n2wf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-pui2n2wf\" aria-controls=\"accordionpui2n2wf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Mon assurance habitation couvrira-t-elle mes biens personnels lorsque je serai en voyage ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Mon assurance habitation couvrira-t-elle mes biens personnels lorsque je serai en voyage ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionpui2n2wf\" role=\"region\" aria-labelledby=\"accordion-titlepui2n2wf\"><div class=\"collapse-inner\">\n<p>Most property insurance will protect your belongings when you travel. For example, if your luggage is stolen from a hotel room or your car, you may be covered for the loss.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleokx6zjtj\" class=\"collapse-toggle collapsed\" data-target=\"#accordionokx6zjtj\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-okx6zjtj\" aria-controls=\"accordionokx6zjtj\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"J\u2019ai effectu\u00e9 des travaux de r\u00e9novation et apport\u00e9 des am\u00e9liorations. Mon assurance habitation couvre-t-elle ces am\u00e9liorations ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>J\u2019ai effectu\u00e9 des travaux de r\u00e9novation et apport\u00e9 des am\u00e9liorations. Mon assurance habitation couvre-t-elle ces am\u00e9liorations ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionokx6zjtj\" role=\"region\" aria-labelledby=\"accordion-titleokx6zjtj\"><div class=\"collapse-inner\">\n<p>Mettre votre maison au go\u00fbt du jour peut modifier l\u2019\u00e9valuation de votre propri\u00e9t\u00e9. Si vous apportez un important ajout ou faites installer une piscine, vous devrez mettre \u00e0 jour votre police d\u2019assurance.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleklf0fwjc\" class=\"collapse-toggle collapsed\" data-target=\"#accordionklf0fwjc\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-klf0fwjc\" aria-controls=\"accordionklf0fwjc\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"D\u00e9finition des eaux de surface\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>D\u00e9finition des eaux de surface<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionklf0fwjc\" role=\"region\" aria-labelledby=\"accordion-titleklf0fwjc\"><div class=\"collapse-inner\">\n<p>Il s\u2019agit d\u2019eau douce qui s\u2019accumule au sol, habituellement sec, \u00e0 la suite de pluies torrentielles, de la fonte des neiges ou encore du d\u00e9bordement des lacs, rivi\u00e8res et cours d\u2019eau.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titler18l99j2\" class=\"collapse-toggle collapsed\" data-target=\"#accordionr18l99j2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-r18l99j2\" aria-controls=\"accordionr18l99j2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"J\u2019ai l\u2019avenant de protection contre le refoulement des \u00e9gouts. Pourquoi devrais-je aussi souscrire la protection contre les dommages occasionn\u00e9s par les eaux de surface ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>J\u2019ai l\u2019avenant de protection contre le refoulement des \u00e9gouts. Pourquoi devrais-je aussi souscrire la protection contre les dommages occasionn\u00e9s par les eaux de surface ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionr18l99j2\" role=\"region\" aria-labelledby=\"accordion-titler18l99j2\"><div class=\"collapse-inner\">\n<p>Nous offrons la possibilit\u00e9 de souscrire cet avenant en raison des effets des bouleversements climatiques et de l\u2019augmentation du nombre de violentes temp\u00eates qui causent souvent des dommages mat\u00e9riels.<\/p>\n\n\n\n<p>En souscrivant cette protection suppl\u00e9mentaire, vous obtenez une couverture contre les dommages caus\u00e9s par les eaux douces de surface qui entrent dans votre maison \u00e0 la suite de pluies torrentielles, de la fonte rapide de la neige, ou du d\u00e9bordement d\u2019un lac, d\u2019un ruisseau ou d\u2019une rivi\u00e8re. Cela comprend les pertes ou dommages d\u00e9coulant de l\u2019infiltration soudaine et accidentelle d\u2019eaux douces de surface \u00e0 travers les fondations, les murs ou les portes du sous-sol. L\u2019avenant de protection contre le refoulement des \u00e9gouts ne couvre pas ce type de dommages.<\/p>\n\n\n\n<p>L\u2019avenant de protection contre le refoulement des \u00e9gouts offre une couverture tr\u00e8s importante. Il couvre les dommages occasionn\u00e9s de fa\u00e7on soudaine et accidentelle par le d\u00e9bordement d\u2019eau ou des \u00e9gouts provenant&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>des drains, de la tuyauterie d\u2019\u00e9vacuation et des canalisations d\u2019\u00e9gout souterrains ou situ\u00e9s \u00e0 l\u2019ext\u00e9rieur du b\u00e2timent&nbsp;;<\/li>\n\n\n\n<li>des fosses septiques, des conduits septiques ou de raccordements situ\u00e9s \u00e0 l\u2019ext\u00e9rieur du b\u00e2timent&nbsp;;<\/li>\n\n\n\n<li>des fosses de retenue ou bassins de captation, des puisards, des pompes de puisard et de la tuyauterie ou de l\u2019\u00e9quipement s\u2019y rattachant&nbsp;;<\/li>\n\n\n\n<li>des goutti\u00e8res ou des tuyaux de descente d\u2019eaux pluviales<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title10a98oni\" class=\"collapse-toggle collapsed\" data-target=\"#accordion10a98oni\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-10a98oni\" aria-controls=\"accordion10a98oni\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Qu\u2019est-ce que la Protection contre les dommages occasionn\u00e9s par les eaux de surface ne couvre pas ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Qu\u2019est-ce que la Protection contre les dommages occasionn\u00e9s par les eaux de surface ne couvre pas ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion10a98oni\" role=\"region\" aria-labelledby=\"accordion-title10a98oni\"><div class=\"collapse-inner\">\n<p>L\u2019avenant ne couvre pas&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>les dommages caus\u00e9s par des inondations c\u00f4ti\u00e8res d\u2019eau sal\u00e9e, y compris des embruns ou une mar\u00e9e de temp\u00eate&nbsp;;<\/li>\n\n\n\n<li>les infiltrations par les murs du sous-sol, les portes ou les fondations qui ne sont pas caus\u00e9es par des eaux de surface&nbsp;;<\/li>\n\n\n\n<li>les pertes ou dommages caus\u00e9s par la rupture intentionnelle de structures, telles que les barrages, les digues et lev\u00e9es.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleousp9xzc\" class=\"collapse-toggle collapsed\" data-target=\"#accordionousp9xzc\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-ousp9xzc\" aria-controls=\"accordionousp9xzc\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quelles sont les couvertures comprises dans le Forfait r\u00e9parations r\u00e9sidentielles ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quelles sont les couvertures comprises dans le Forfait r\u00e9parations r\u00e9sidentielles ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionousp9xzc\" role=\"region\" aria-labelledby=\"accordion-titleousp9xzc\"><div class=\"collapse-inner\">\n<p>Ce forfait comprend les trois services suivants au co\u00fbt de&nbsp;125&nbsp;$\/an&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Programme d\u2019assurance R\u00e9paration r\u00e9sidentielle&nbsp;:<\/strong>&nbsp;pour r\u00e9parer un probl\u00e8me mineur avant qu\u2019il n\u2019entra\u00eene un sinistre important&nbsp;;<\/li>\n\n\n\n<li><strong>Pr\u00e9vention des sinistres&nbsp;:<\/strong>&nbsp;contribue \u00e0 emp\u00eacher que d\u2019autres sinistres ayant pour origine une m\u00eame cause surviennent de nouveau.&nbsp;;<\/li>\n\n\n\n<li><strong>Programme d\u2019assistance Aur\u00e9ole&nbsp;:<\/strong>&nbsp;donne acc\u00e8s gratuitement aux conseils de sp\u00e9cialistes juridiques, et des r\u00e9parations r\u00e9sidentielles.<\/li>\n<\/ul>\n\n\n\n<p>En plus du service de r\u00e9parations r\u00e9sidentielles, vous avez un acc\u00e8s illimit\u00e9 \u00e0 des renseignements sur les probl\u00e8mes de r\u00e9paration couverts dans votre maison. Vous pouvez appeler le num\u00e9ro gratuit en tout temps pour qu\u2019un repr\u00e9sentant de service r\u00e9ponde \u00e0 vos questions sur des probl\u00e8mes et des r\u00e9parations concernant votre maison. Si votre probl\u00e8me de r\u00e9paration r\u00e9sidentielle n\u2019est pas couvert par le programme, vous pouvez demander qu\u2019on vous recommande un fournisseur de service digne de confiance dans votre r\u00e9gion. Vous pouvez ensuite prendre rendez-vous avec ce fournisseur et le payer directement pour ses services.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title43x9s1p6\" class=\"collapse-toggle collapsed\" data-target=\"#accordion43x9s1p6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-43x9s1p6\" aria-controls=\"accordion43x9s1p6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Est-ce que je peux utiliser les services offerts par le Forfait r\u00e9parations r\u00e9sidentielles d\u00e8s que j\u2019ai souscrit l\u2019avenant ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Est-ce que je peux utiliser les services offerts par le Forfait r\u00e9parations r\u00e9sidentielles d\u00e8s que j\u2019ai souscrit l\u2019avenant ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion43x9s1p6\" role=\"region\" aria-labelledby=\"accordion-title43x9s1p6\"><div class=\"collapse-inner\">\n<p>Cela d\u00e9pend du service&nbsp;:<\/p>\n\n\n\n<ol class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Le service Pr\u00e9vention des sinistres peut \u00eatre utilis\u00e9 imm\u00e9diatement apr\u00e8s un sinistre couvert.<\/li>\n\n\n\n<li>Les services du programme d\u2019assistance Aur\u00e9ole peuvent \u00eatre utilis\u00e9s imm\u00e9diatement apr\u00e8s la date d\u2019entr\u00e9e en vigueur de la couverture.<\/li>\n\n\n\n<li>L\u2019utilisation du programme d\u2019assurance R\u00e9paration r\u00e9sidentielle est assujettie \u00e0 une p\u00e9riode d\u2019attente de 45&nbsp;jours avant l\u2019entr\u00e9e en vigueur de la couverture<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlen8d3bzel\" class=\"collapse-toggle collapsed\" data-target=\"#accordionn8d3bzel\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-n8d3bzel\" aria-controls=\"accordionn8d3bzel\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Est-ce que je peux souscrire uniquement un ou deux des services offerts au titre du Forfait r\u00e9parations r\u00e9sidentielles ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Est-ce que je peux souscrire uniquement un ou deux des services offerts au titre du Forfait r\u00e9parations r\u00e9sidentielles ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionn8d3bzel\" role=\"region\" aria-labelledby=\"accordion-titlen8d3bzel\"><div class=\"collapse-inner\">\n<p>Les services ne peuvent pas \u00eatre souscrits s\u00e9par\u00e9ment.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Franchises et primes<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegab1u2px\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongab1u2px\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-gab1u2px\" aria-controls=\"accordiongab1u2px\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Qu\u2019est-ce qu\u2019une franchise d\u2019assurance ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Qu\u2019est-ce qu\u2019une franchise d\u2019assurance ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongab1u2px\" role=\"region\" aria-labelledby=\"accordion-titlegab1u2px\"><div class=\"collapse-inner\">\n<p>La franchise est le montant que vous devez payer de votre poche lorsque vous pr\u00e9sentez une demande de r\u00e8glement, avant que l\u2019assurance entre en jeu.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3qg2i2qy\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3qg2i2qy\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-3qg2i2qy\" aria-controls=\"accordion3qg2i2qy\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Quelles sont mes options en mati\u00e8re de franchise d\u2019assurance habitation ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Quelles sont mes options en mati\u00e8re de franchise d\u2019assurance habitation ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3qg2i2qy\" role=\"region\" aria-labelledby=\"accordion-title3qg2i2qy\"><div class=\"collapse-inner\">\n<p>La franchise standard des polices d\u2019assurance des propri\u00e9taires occupants, des copropri\u00e9taires occupants ou des locataires est de 1&nbsp;000&nbsp;$. Vous pourriez avoir le droit d\u2019augmenter ou de r\u00e9duire le montant de votre franchise, ce qui pourrait avoir une incidence sur votre prime d\u2019assurance. Comme la franchise correspond au montant que vous payez de votre poche si vous pr\u00e9sentez une demande de r\u00e8glement, il est important de choisir un montant que vous avez les moyens de payer en cas de sinistre.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleylkdhow9\" class=\"collapse-toggle collapsed\" data-target=\"#accordionylkdhow9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-ylkdhow9\" aria-controls=\"accordionylkdhow9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Ma franchise s\u2019appliquera-t-elle \u00e0 tous les types de demande de r\u00e8glement d\u2019assurance des biens ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Ma franchise s\u2019appliquera-t-elle \u00e0 tous les types de demande de r\u00e8glement d\u2019assurance des biens ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionylkdhow9\" role=\"region\" aria-labelledby=\"accordion-titleylkdhow9\"><div class=\"collapse-inner\">\n<p>Dans la plupart des cas de pertes ou de dommages mat\u00e9riels, la franchise s\u2019appliquera. Toutefois, certaines situations entra\u00eenant une perte mat\u00e9rielle ne n\u00e9cessitent pas le paiement de la franchise.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleklwjkqvb\" class=\"collapse-toggle collapsed\" data-target=\"#accordionklwjkqvb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-klwjkqvb\" aria-controls=\"accordionklwjkqvb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Comment puis-je r\u00e9duire mes primes d\u2019assurance habitation ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Comment puis-je r\u00e9duire mes primes d\u2019assurance habitation ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionklwjkqvb\" role=\"region\" aria-labelledby=\"accordion-titleklwjkqvb\"><div class=\"collapse-inner\">\n<p class=\"default is-style-default default default default default default default default default default default default default default default default default default default default default default default\">Vous pouvez payer vos primes d\u2019assurance habitation de diverses fa\u00e7ons incluant : une carte de cr\u00e9dit reconnue (Visa, MasterCard ou American Express) ou des pr\u00e9l\u00e8vements pr\u00e9autoris\u00e9s sur votre compte bancaire. Votre conseiller \u00e9tablira avec vous le mode de paiement qui vous convient le mieux.<\/p>\n\n\n\n<p>Vous pouvez utiliser une carte de d\u00e9bit Visa ou MasterCard pour votre paiement initial, mais vous devez s\u00e9lectionner l\u2019une des options ci-dessus pour les paiements ult\u00e9rieurs.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleqb3v8a9k\" class=\"collapse-toggle collapsed\" data-target=\"#accordionqb3v8a9k\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-qb3v8a9k\" aria-controls=\"accordionqb3v8a9k\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Comment puis-je r\u00e9gler les primes de mon assurance habitation ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Comment puis-je r\u00e9gler les primes de mon assurance habitation ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionqb3v8a9k\" role=\"region\" aria-labelledby=\"accordion-titleqb3v8a9k\"><div class=\"collapse-inner\">\n<p>Plusieurs options de paiement sont offertes, y compris les pr\u00e9l\u00e8vements pr\u00e9autoris\u00e9s sur le compte-ch\u00e8ques, les cartes de cr\u00e9dit (Visa ou MasterCard) et les paiements forfaitaires en esp\u00e8ces.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlevv0sqtym\" class=\"collapse-toggle collapsed\" data-target=\"#accordionvv0sqtym\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-vv0sqtym\" aria-controls=\"accordionvv0sqtym\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Mes primes vont-elles augmenter si j\u2019ai recours \u00e0 l\u2019un des services offerts au titre du Forfait r\u00e9parations r\u00e9sidentielles ?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Mes primes vont-elles augmenter si j\u2019ai recours \u00e0 l\u2019un des services offerts au titre du Forfait r\u00e9parations r\u00e9sidentielles ?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionvv0sqtym\" role=\"region\" aria-labelledby=\"accordion-titlevv0sqtym\"><div class=\"collapse-inner\">\n<p>L\u2019utilisation des services aux termes du Forfait r\u00e9parations r\u00e9sidentielles n\u2019a pas d\u2019incidence sur vos ant\u00e9c\u00e9dents de demandes de r\u00e8glement ni sur le rabais pour absence de sinistre; par cons\u00e9quent, nous n\u2019augmenterons pas vos primes. Le Forfait r\u00e9parations r\u00e9sidentielles a pour but de vous aider \u00e0 r\u00e9duire les sinistres, \u00e0 pr\u00e9venir la r\u00e9p\u00e9tition d\u2019un m\u00eame sinistre et \u00e0 vous offrir une protection suppl\u00e9mentaire gr\u00e2ce aux services d\u2019assistance.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6qo8h78k\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6qo8h78k\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-11754-6qo8h78k\" aria-controls=\"accordion6qo8h78k\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Mes primes augmenteront-elles si je pr\u00e9sente une demande de r\u00e8glement au titre de l\u2019avenant Vol d\u2019identit\u00e9?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Mes primes augmenteront-elles si je pr\u00e9sente une demande de r\u00e8glement au titre de l\u2019avenant Vol d\u2019identit\u00e9?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6qo8h78k\" role=\"region\" aria-labelledby=\"accordion-title6qo8h78k\"><div class=\"collapse-inner\">\n<p>La pr\u00e9sentation d\u2019une demande de r\u00e8glement au titre de cet avenant n\u2019aura aucune incidence sur votre prime, sur votre historique de demandes de r\u00e8glement et sur le rabais pour absence de sinistre&nbsp;; par cons\u00e9quent vos primes n\u2019augmenteront pas. Vous n\u2019avez pas \u00e0 payer la franchise de votre police pour pr\u00e9senter une demande de r\u00e8glement au titre de l\u2019avenant Vol d\u2019identit\u00e9.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<p class=\"faqWrapper__helpText\">Vous souhaitez parler \u00e0 un conseiller\u00a0? <a href=\"https:\/\/silver.rbcinsurance.com\/fr\/demandez-un-appelle\/assurance-habitation\/index.html\" target=\"_blank\" data-dig-id=\"LP-11754-f50d85c2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"R\u00e9servez un appel maintenant\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">R\u00e9servez un appel maintenant<\/a><\/p><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-11754-3d6b119c\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>Afficher les avis de non-responsabilit\u00e9<\/span><span>Cacher les avis de non-responsabilit\u00e9<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size\">L\u2019information ci-dessus ne donne qu\u2019un aper\u00e7u de l\u2019assurance et ne comprend pas toutes les conditions, limites et exclusions.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Aper\u00e7u de l\u2019assurance1 L\u2019assurance des copropri\u00e9taires \u2013 formule g\u00e9n\u00e9rale offre une protection abordable contre un large \u00e9ventail de risques.<\/p>\n","protected":false},"author":196,"featured_media":0,"parent":11750,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-11754","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Assurance des copropri\u00e9taires | RBC Assurances<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez la protection offerte par l\u2019assurance des copropri\u00e9taires et obtenez des conseils 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