Assurance Locataire – Working with an insurer makes it possible to offer home insurance to tenants with a moderate income and in the middle class private and social housing.
In addition to the goal of improving purchasing power, the goal is to give as many people as possible access to housing insurance and to prevent this from having consequences for the under- or uninsured. insured (lack of insurance is grounds for termination of lease and eviction).
Assurance Locataire
VYV Conseil, an insurance broker, has been selected as a partner to offer this home insurance to middle income and middle class tenants, private housing and social housing, subject to resource conditions.
Pourquoi S’assurer En Tant Que Locataire ?
The city launched a call for expressions of interest in February, along with this process by the company Verspieren, an insurance broker. Twelve organizations showed interest, 9 made an offer for cooperation and, after listening to some of them, a winner was finally chosen at the end of last May: the VYV Conseil group and WAKAM who joined forces to meet the expectations of to satisfy the city.
Wakam is the insurer, risk bearer of the home insurance, and VYV Conseil is responsible for product distribution and all customer service.
An ethical commitment not to offer other complementary insurance products for 6 months after signing the home insurance, unless an express request comes from the customer.
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Les Garanties Obligatoires De L’assurance Habitation
Does not follow advertising and does not collect personal data. Cookies are used for statistical or operational purposes, as well as for analysis (which you can refuse here), which allows us to continuously improve the site. Choosing your home insurance is not always easy. It is recommended to opt for a comprehensive home insurance policy. Here are some tips that will help you keep your peace of mind.
When it comes to real estate, the most recommended coverage is comprehensive home insurance. Some guarantees can be combined with this. The packages offered differ from one insurer to another and according to combinations of basic guarantees and additional guarantees. Make your choice with the help of your insurer by analyzing your situation, your obligations and your needs. In general, with comprehensive home insurance, you can guarantee the contents of your apartment, as well as your liability for damage you may cause to others (neighbors or third parties), and also your liability to the owner if you are a tenant. Commonly covered risks are fire and explosion risk, water damage risk, theft and vandalism risk, and glass breakage risk.
Insuring your home: is it mandatory? For the tenant: If you are a tenant, your lease will often contain a clause that requires you to obtain an insurance contract that covers your liability to the landlord. Negligence on your part may even justify termination of the lease. But your landlord cannot impose a certain business on you. You retain freedom of choice. However, it is in your interest to obtain a comprehensive home insurance that also covers damages that may arise due to your fault to third parties (neighbors, co-owners, etc.). For the owner: Contrary to popular belief, you are not always required to take out insurance if you are the owner or co-owner of an individual home. But being well insured in the event of a disaster is a lot of trouble. Without insurance, all damages will be your responsibility. Condominiums are often insured for common areas, and sometimes for private areas. But this guarantee is often not enough.
On a daily basis, many small injuries can damage your home. Depending on the contract chosen and the guarantees offered, your insurer may cover these minor losses: water damage, broken glass, long-term power outages, etc. Basic contracts protect against water damage, fire and explosion, but also cover civil liability, if you cause damage to a third person. Civil liability coverage is also legally mandated. But what about the rest?
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The law requires all tenants to cover themselves for civil liability. This guarantee, included in every housing contract with multiple risks, protects the tenant against rental risks and should allow them to compensate their landlord in the event of damage to their home: destruction by water, fire or explosion. Insurance “Rental risks” also covers properties that are damaged due to the negligence or carelessness of the tenant, their children, ascendants and employees (employees, gardeners, etc.). Please note that the insurer may make exceptions to this guarantee. It usually involves harm that you cause to yourself or your loved ones or that you intentionally cause to others. Damage caused by a motor vehicle, or as a result of the professional activity of the tenant, is also excluded. This damage is covered by specific insurance (professional civil and car insurance).
It is important to note that rental risk insurance only covers damage to the accommodation. It does not insure the movable property of the tenant, nor the damage of neighbors and third parties. To protect against such cases, the tenant must obtain additional guarantees (called “neighbors’ insurance and third-party appeals”).
Note: if the tenant is not insured, he must pay his landlord, his neighbors or a third party himself in case of loss. Furthermore, the lessor can insert a termination clause in the lease due to lack of insurance. However, he cannot force his tenant to prefer an insurer. He is free to choose the insurer he wants.
The owner has the right to request proof of insurance from his tenant when the keys are handed over. He can then renew this request every year, to ensure that the tenant is covered. Generally, this certificate is issued to you every year by your insurer. But if this is not the case, you can request it. Do it online if you have a customer place on the Internet, in an office, by mail or phone, if this is not the case.
Le Classement 2024 Des Meilleures Assurances Habitation
For owners, two situations must be distinguished: owner-occupiers, and non-owner-occupiers. With an owner who lives in his home, there is no obligation to obtain home insurance, except in the case of co-ownership. If the home is part of a shared property, it must be insured for civil liability. This insurance guarantees each owner for losses that start at home and are caused to neighbors or third parties. For the rest, the owner can decide not to take out additional insurance. However, he must bear the sole responsibility for compensation for any loss.
For an owner who rents his home, the coverage obligation is only imposed for civil liability, in the case of co-ownership. If the home is not part of a shared property, he can decide to leave the insurance responsibility to the tenant. It should be noted that a landlord is required to maintain his property during the lease period. Its liability can also concern the case of losses caused by construction defects, or lack of maintenance. To protect against this possibility, insurance is widely recommended. This is “non-resident owner insurance”. This coverage, particularly suitable for vacant rentals, covers the owner in the event of an accident when the accommodation is not occupied. It also insures the home against losses not covered by the co-owner’s or renter’s insurance.
Comprehensive home insurance is the most comprehensive formula in terms of guarantees. Despite differences in coverage from one insurer to another, comprehensive home insurance will always cover your property against:
These guarantees are the most important guarantees of comprehensive home insurance. Depending on your needs and the type of accommodation being insured, your insurance may also include additional guarantees. So you can guarantee your legal protection (coverage of legal costs for, for example, a neighborhood dispute), civil liability for education for your beneficiaries, help at home (for example, in case of temporary disability), or insure your possessions against theft.
Qu’est Ce Que L’assurance Locataire Au Canada ?
However, be careful to inform yourself about the applicable conditions of the guarantees for the contract. For example, if you experience a theft and certain conditions are not met (armor lock, bolt, window shutters, etc.), the insurance will not cover you fully (or at all, depending on the contract). Also pay attention to the fees for your contract. The excess is the remaining amount that the insured has to pay after an incident. This is usually a fixed amount, a percentage of the compensation amount, or a combination of both. In case of damage, your insurer will only pay you up to a certain ceiling amount. The rest is up to you
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