{"id":3682,"date":"2019-01-27T19:12:51","date_gmt":"2019-01-27T19:12:51","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/fr-ca\/2019\/01\/27\/pret-hypothecaire-votre-principale-dette-etes-vous-assure\/"},"modified":"2025-11-03T10:55:23","modified_gmt":"2025-11-03T15:55:23","slug":"pret-hypothecaire-etes-vous-assure","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/assurance-habitation\/pret-hypothecaire-etes-vous-assure","title":{"rendered":"Pr\u00eat hypoth\u00e9caire : votre principale dette. \u00cates-vous assur\u00e9 ?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/\">Accueil<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Pr\u00eat hypoth\u00e9caire : votre principale dette. \u00cates-vous assur\u00e9 ?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2019-01-27T19:12:51-05:00\">27 janvier 2019<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">3 min de lecture<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Amanda Reaume\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Amanda Reaume<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/Mortgage-Your-Biggest-Debt-Are-You-Covered_930x620.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Parents et enfant emm\u00e9nageant dans une nouvelle maison.\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/Mortgage-Your-Biggest-Debt-Are-You-Covered_930x620.jpg 930w, https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/Mortgage-Your-Biggest-Debt-Are-You-Covered_930x620.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2022\/09\/Mortgage-Your-Biggest-Debt-Are-You-Covered_930x620.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tPartager cet article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Pr\u00eat hypoth\u00e9caire : votre principale dette. \u00cates-vous assur\u00e9 ? &#038;body=Bonjour, je pensais que cet article de RBC Assurances pourrait vous int\u00e9resser: https:\/\/silver.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/assurance-habitation\/pret-hypothecaire-etes-vous-assure\" aria-label=\"Courriel\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tCourriel\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/assurance-habitation\/pret-hypothecaire-etes-vous-assure\" aria-label=\"Copier l\u2019URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopier l\u2019URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h4\"><p class=\"tabsList__heading\">Sur cette page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Prot\u00e9gez votre investissement : assurance habitation<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-protegez-votre-investissement-assurance-habitation\">Prot\u00e9gez votre investissement : assurance habitation<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-protegez-vous-assurance-hypothecaire-credit\">Prot\u00e9gez-vous : assurance hypoth\u00e9caire\/cr\u00e9dit<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\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 \" style=\"border-radius:0x\">\n<p>Vous avez trouv\u00e9 la maison dont vous avez toujours r\u00eav\u00e9e, dot\u00e9e d&rsquo;un joli petit coin repas et d&rsquo;une impressionnante terrasse dans la cour arri\u00e8re. Vous \u00eates pr\u00eat \u00e0 pr\u00e9senter une offre, \u00e0 contracter un emprunt hypoth\u00e9caire et \u00e0 dresser la liste des personnes invit\u00e9es \u00e0 votre tout premier barbecue. Mais avant d&rsquo;offrir des hot dogs, prot\u00e9gez-vous et prot\u00e9gez votre investissement.<\/p>\n<h4 id=\"h-protegez-votre-investissement-assurance-habitation\">Prot\u00e9gez votre investissement : assurance habitation<\/h4>\n<p>Que la maison de vos r\u00eaves soit d\u00e9j\u00e0 parfaite ou que vous deviez r\u00e9nover sa cuisine datant des ann\u00e9es 1970, \u00e9vitez de vous inqui\u00e9ter \u00e0 propos de la liste interminable de choses qui pourraient arriver \u00e0 votre nouvelle maison. Cela risquerait de vous emp\u00eacher de dormir ! Lib\u00e9rez-vous de ces sombres pens\u00e9es et dormez sur vos deux oreilles en souscrivant une assurance habitation.<\/p>\n<p><b>Ce qu&rsquo;elle couvre :<\/b> Les polices ne sont pas toutes identiques, mais elles couvrent g\u00e9n\u00e9ralement le vol et le vandalisme, ainsi que les dommages caus\u00e9s par des \u00e9v\u00e9nements tels que le feu, la foudre et les temp\u00eates. Elles comprennent aussi une assurance responsabilit\u00e9 civile qui vous prot\u00e8ge au cas o\u00f9 une personne se blesserait sur votre propri\u00e9t\u00e9 et couvrent les frais de subsistance que vous engagez si vous ne pouvez pas rester chez vous en raison de dommages.<\/p>\n<p><b>Co\u00fbt :<\/b> Il varie en fonction de diff\u00e9rents facteurs, comme la valeur de la propri\u00e9t\u00e9 et de son contenu, l&#8217;emplacement, la franchise, le type d&rsquo;assurance et le nombre de sinistres.<\/p>\n<p><b>Ce qu&rsquo;elle ne couvre pas <\/b>: Les \u00e9v\u00e9nements comme les tremblements de terre et les ouragans sont g\u00e9n\u00e9ralement exclus. Demandez \u00e0 votre assureur la liste des exclusions.<\/p>\n<h4 id=\"h-protegez-vous-assurance-hypothecaire-credit\">Prot\u00e9gez-vous : assurance hypoth\u00e9caire\/cr\u00e9dit<\/h4>\n<p>Nous aimons croire que nous sommes invincibles, mais il arrive parfois des impr\u00e9vus et soudain, nous sommes hors d&rsquo;\u00e9tat de travailler et incapables de gagner un revenu ou de payer nos factures.<\/p>\n<p><b>Ce qu&rsquo;elle couvre :<\/b> Cette assurance couvre vos versements hypoth\u00e9caires en cas de d\u00e9c\u00e8s, d&rsquo;incapacit\u00e9 de travailler ou de maladie.<\/p>\n<p><b>Co\u00fbt :<\/b> Il d\u00e9pend de la valeur de votre maison, ainsi que de votre \u00e2ge et de votre \u00e9tat de sant\u00e9.<\/p>\n<p><b>Quand le malheur frappe : <\/b>L&rsquo;assurance hypoth\u00e9caire couvre le plein montant de votre emprunt si vous d\u00e9c\u00e9dez ou \u00eates atteint d&rsquo;une maladie grave ou terminale. Si vous devenez invalide, elle couvrira vos versements mensuels minimums pendant la dur\u00e9e de votre invalidit\u00e9.<\/p>\n<p>Renseignez-vous davantage sur l&rsquo;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/home-insurance\/?utm_source=Discover-Learn-Insurance-FR&amp;utm_medium=referral&amp;utm_campaign=dl-199634-product-info-fr\" target=\"_blank\" rel=\"noopener\">assurance habitation<\/a> pour votre propri\u00e9t\u00e9 et l&rsquo;<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/hypotheques\/assurance-hypothecaire-assure-toit.html\" target=\"_blank\" rel=\"noopener\">assurance hypoth\u00e9caire Assure-Toit<\/a>.<\/p>\n<p>Vous pr\u00e9f\u00e9rez parler \u00e0 quelqu&rsquo;un ? Composez le <a href=\"tel:1-877-749-7224\">1 877 749-7224<\/a> ou <a href=\"https:\/\/services.rbcassurances.com\/boutiqueetdeconseiller\/index.html?utm_source=Discover-Learn-Insurance-FR&amp;utm_medium=referral&amp;utm_campaign=dl-199634-advisor-locator-fr\" target=\"_blank\" rel=\"noopener\">trouvez un conseiller pr\u00e8s de chez vous<\/a>.<\/p>\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\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-taux-avantageux-et-conseils-specialises-en-assurance-habitation\">Taux avantageux et conseils sp\u00e9cialis\u00e9s en assurance habitation<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Obtenez une soumission en ligne gratuite pour vous procurer une couverture qui vous prot\u00e9gera, vous, votre maison et vos biens, contre les impr\u00e9vus<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H16&amp;Lang=FR\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-Assurancehabitation-3682-476a44f4\" data-dig-category=\"LP-Assurancehabitation\" data-dig-action=\"button click\" data-dig-label=\"Obtenir ma soumission-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=BLOG_H16&amp;Lang=FR \">Obtenir ma soumission<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-habitation\/\" target=\"_blank\" data-dig-id=\"LP-Assurancehabitation-3682-9130e94d\" data-dig-category=\"LP-Assurancehabitation\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Apprendre encore plus<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse34890d88\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse34890d88\" data-dig-id=\"LP-Assurancehabitation-11324-34890d88\" data-dig-category=\"LP-Assurancehabitation\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><div>Un mot de nos avocats<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse34890d88\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>* Les produits d\u2019assurances auto et habitation sont distribu\u00e9s par l\u2019Agence d\u2019assurances RBC lt\u00e9e et \u00e9tablis par Aviva, Compagnie d\u2019Assurance G\u00e9n\u00e9rale. En raison des r\u00e9gimes publics d\u2019assurance automobile en place au Manitoba, en Saskatchewan et en Colombie-Britannique, RBC Assurances n\u2019offre pas d\u2019assurance automobile dans ces provinces.<\/p>\n\n\n\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n\n\n\n<p>Les produits d\u2019assurance responsabilit\u00e9, habitation, auto, loisir et mode de vie (exception faite de l\u2019assurance pour voitures de collection) sont distribu\u00e9s par l\u2019Agence d\u2019assurances RBC lt\u00e9e et \u00e9tablis par Aviva, Compagnie d\u2019Assurance G\u00e9n\u00e9rale. Au Qu\u00e9bec, l\u2019Agence d\u2019assurance RBC lt\u00e9e est enregistr\u00e9e comme agence d\u2019assurances de dommages. En raison des r\u00e9gimes publics d\u2019assurance automobile en place au Manitoba, en Saskatchewan et en Colombie-Britannique, RBC Assurances n\u2019offre pas d\u2019assurance automobile dans ces provinces. La couverture peut varier selon la province. Certaines conditions, limitations et exclusions peuvent s\u2019appliquer. Pour conna\u00eetre les modalit\u00e9s de l\u2019assurance, communiquez avec votre sp\u00e9cialiste en assurance, \u00c9valuation du risque \u00e0 RBC, et consultez le libell\u00e9 de la police d\u2019assurance.<\/p>\n\n\n\n<p>L\u2019assurance pour voitures de collection est offerte par Hagerty Canada, LLC et \u00e9tablie par Elite Insurance Company, une filiale d\u2019Aviva Canada Inc. Certaines protections ne sont pas disponibles dans toutes les provinces. Hagerty est une marque d\u00e9pos\u00e9e de Hagerty Group, LLC.<\/p>\n\n\n\n<p><sup>MC<\/sup>&nbsp;Marque(s) de commerce de Banque Royale du Canada, utilis\u00e9e(s) sous licence. <\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Vous avez trouv\u00e9 la maison de vos r\u00eaves et pr\u00e9sent\u00e9 une offre d&rsquo;achat. Avant d&#8217;emm\u00e9nager, prot\u00e9gez-vous avec ces deux types d&rsquo;assurance !<\/p>\n","protected":false},"author":104,"featured_media":3695,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[65],"tags":[63,26,64],"article-type":[68],"ppma_author":[],"class_list":["post-3682","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-habitation","tag-achat-dune-maison","tag-assurance-hypothecaire","tag-pret-hypothecaire","article-type-conseils-apprentissage"],"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>Pr\u00eat hypoth\u00e9caire : votre principale dette. \u00cates-vous assur\u00e9 ? | RBC Assurances<\/title>\n<meta name=\"description\" content=\"Vous avez trouv\u00e9 la maison de vos r\u00eaves et pr\u00e9sent\u00e9 une offre d&#039;achat. 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