{"id":1921,"date":"2022-09-23T12:06:52","date_gmt":"2022-09-23T12:06:52","guid":{"rendered":"https:\/\/www.mijnvergelijker.be\/wordpress\/?page_id=1921"},"modified":"2024-09-26T15:40:37","modified_gmt":"2024-09-26T13:40:37","slug":"garantie","status":"publish","type":"page","link":"https:\/\/www.comparateur.be\/assurance-habitation\/garantie","title":{"rendered":"Garantie"},"content":{"rendered":"\n<section id=\"heroes-text-block_632c699a3ad29\" class=\"heroes-text hero hero--text\">\n    <div class=\"container\">\n                    <h1 class=\"heading-xl mb-md-40\">Quels risques sont couverts par l&rsquo;assurance incendie ?<\/h1>\n                <div class=\"wysiwyg body-lg mb-md-40\">\n            <p>\n            Contre quels risques vous assurez-vous lorsque vous souscrivez une assurance incendie ? Pouvez-vous \u00e9galement souscrire des assurances compl\u00e9mentaires et les frais indirects que vous devez engager \u00e0 la suite d&rsquo;un sinistre sont-ils indemnis\u00e9s ? Nous vous donnons quelques pistes d&rsquo;information sur cette page.\r\n            <\/p>\n        <\/div>\n                    <div class=\"button-container\">\n                <a href=\"\/assurance-habitation\" class=\"button button--primary \" type=\"primary\">\n                    <span class=\"d-flex align-items-center\">\n                        comparez les assurances locatives                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" class=\"arrow-right\"><path d=\"M5 12H19\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><path d=\"M12 5L19 12L12 19\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>                    <\/span>\n                <\/a>\n            <\/div>\n                        <\/section>\n\n\n    <style>\r\n        html {\r\n            scroll-behavior: smooth;\r\n        }\r\n    <\/style>\r\n\r\n            <section class=\"section\">\r\n        <div class=\"container article-smooth\">\r\n        <div class=\"row\">\r\n        <div class=\"col-12 col-md-6 col-lg-8\" id=\"main-article\"  data-anchor-class=\"subtitle\" >\r\n                <!-- <section class=\"section\"> -->\r\n        <div id=\"article-block_632c69c23ad2a\"\r\n         class=\"article \">\r\n                                                                                <!-- <div class=\"articleblock\"> -->\r\n                        <h2 class=\"subtitle\" id=\"assurance-btiment-ou-mobilier-\" >Assurance b\u00e2timent ou mobilier ?<\/h2>                                                    <p>Vous pouvez assurer tant le b\u00e2timent que le mobilier contre\u00a0<a href=\"https:\/\/www.comparateur.be\/assurance-habitation\/garantie\/incendie-et-dangers-connexes\">l&rsquo;incendie et les risques de ce type<\/a>.<\/p>\n<p>Le mobilier, c&rsquo;est tout ce qui n&rsquo;est pas fixe dans votre maison, ce sont les biens mobiliers. Pensez notamment \u00e0 vos meubles, votre t\u00e9l\u00e9vision, vos v\u00eatements, etc. Tout ce que vous pouvez emporter lorsque vous\u00a0<a href=\"https:\/\/www.comparateur.be\/assurance-habitation\/situations-exceptionelles\/demenager\">d\u00e9m\u00e9nagez<\/a>\u00a0fait partie du mobilier.<\/p>\n<p>Le b\u00e2timent, quant \u00e0 lui, comprend votre cuisine, votre salle de bains et vos armoires encastr\u00e9es. En effet, ces \u00e9l\u00e9ments sont fix\u00e9s \u00e0 la structure de votre habitation.<\/p>\n                                                <!-- <\/div> -->\r\n                                            <!-- <div class=\"articleblock\"> -->\r\n                        <h2 class=\"subtitle\" id=\"ce-qui-est-assur--les-garanties-de-base\" >Ce qui est assur\u00e9 : les garanties de base<\/h2>                                                    <p>Sauf mention contraire dans votre police, l&rsquo;assurance incendie couvre les dommages caus\u00e9s par :<\/p>\n<ul>\n<li>un incendie ;<\/li>\n<li>un coup de foudre ;<\/li>\n<li>une explosion ;<\/li>\n<li>une implosion ;<\/li>\n<li>un avion qui s&rsquo;\u00e9crase ou qui touche le b\u00e2timent ou des objets qui en tombent ;<\/li>\n<li>tout autre v\u00e9hicule ou des animaux.<\/li>\n<\/ul>\n<p>Toute assurance incendie qui couvre les garanties de base doit \u00e9galement indemniser les dommages d\u00e9coulant d&rsquo;un attentat ou d&rsquo;un conflit du travail, d&rsquo;une\u00a0<a href=\"https:\/\/www.comparateur.be\/assurance-habitation\/garantie\/tempete-grele-pression-de-neige-et-de-glace\">temp\u00eate<\/a>\u00a0et d&rsquo;une\u00a0<a href=\"https:\/\/www.comparateur.be\/assurance-habitation\/garantie\/catastrophes-naturelles\">catastrophe naturelle<\/a>.<\/p>\n                                                <!-- <\/div> -->\r\n                                            <!-- <div class=\"articleblock\"> -->\r\n                        <h2 class=\"subtitle\" id=\"extensions-de-garantie-\" >Extensions de garantie <\/h2>                                                    <div class=\"icp-content \" data-icp-block=\"\">\n<div class=\"icp-content--inner\">\n<div class=\"icp-content \" data-icp-block=\"\">\n<div class=\"icp-content--inner\">\n<p>La plupart des assurances incendie proposent des garanties de base et des garanties l\u00e9galement obligatoires plus larges. Les extensions de garantie les plus fr\u00e9quentes sont celles-ci :<\/p>\n<ul>\n<li><a href=\"https:\/\/www.comparateur.be\/assurance-habitation\/dommages\/bris-de-vitre\">les bris de vitre<\/a>\u00a0: dommages occasionn\u00e9s aux fen\u00eatres, mais aussi par exemple \u00e0 une table de salon en verre ;<\/li>\n<li>les dommages dus \u00e0 la fum\u00e9e ou \u00e0 la suie ;<\/li>\n<li><a href=\"https:\/\/www.comparateur.be\/assurance-habitation\/dommages\/degats-des-eaux\">les dommages dus \u00e0 l&rsquo;eau<\/a>\u00a0: dommages dus \u00e0 l&rsquo;eau \u00e0 la suite d&rsquo;une rupture des canalisations, du d\u00e9bordement des goutti\u00e8res, d&rsquo;un probl\u00e8me dans les installations sanitaires, de l&rsquo;infiltration d&rsquo;eau par le toit et des dommages provoqu\u00e9s par le gel et le\u00a0<a href=\"https:\/\/www.comparateur.be\/assurance-habitation\/garantie\/tempete-grele-pression-de-neige-et-de-glace\">poids de la neige<\/a>\u00a0;<\/li>\n<li>les dommages caus\u00e9s par le mazout ;<\/li>\n<li>les dommages occasionn\u00e9s aux appareils \u00e9lectriques en raison d&rsquo;une surtension.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n<div class=\"icp-content \" data-icp-block=\"\">\n<div class=\"icp-content--inner\">\n<p>Outre les dommages directs port\u00e9s \u00e0 votre mobilier ou \u00e0 votre habitation, votre police couvrira souvent d&rsquo;autres \u00e9l\u00e9ments. Les frais suppl\u00e9mentaires \u00e9tant le plus souvent indemnis\u00e9s sont :<\/p>\n<ul>\n<li>les frais de sauvetage et de pr\u00e9servation : frais d\u00e9coulant des mesures prises pour limiter les d\u00e9g\u00e2ts, par exemple la mise en place d&rsquo;une toile sur le toit afin d&rsquo;arr\u00eater l&rsquo;infiltration d&rsquo;eau ;<\/li>\n<li>les frais de relogement : si votre habitation est d\u00e9clar\u00e9e inhabitable en raison d&rsquo;un incendie, l&rsquo;assurance pourra indemniser vos frais de relogement provisoire jusqu&rsquo;\u00e0 un certain montant ;<\/li>\n<li>les frais de conservation : frais de stockage de vos meubles dans un garde-meubles pendant la reconstruction de votre habitation, par exemple ;<\/li>\n<li>recours des tiers : si un sinistre assur\u00e9 s&rsquo;\u00e9tend aux biens de tiers, par exemple un incendie qui se propage \u00e0 la maison des voisins.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"icp-content \" data-icp-block=\"\"><\/div>\n                                                <!-- <\/div> -->\r\n                                            <!-- <div class=\"articleblock\"> -->\r\n                        <h2 class=\"subtitle\" id=\"garanties-facultatives\" >Garanties facultatives<\/h2>                                                    <p>Vous pouvez choisir d&rsquo;ajouter une garantie vol \u00e0 votre assurance incendie. Ce compl\u00e9ment indemnise les biens vol\u00e9s \u00e0 la suite d&rsquo;une effraction et, souvent, les dommages occasionn\u00e9s \u00e0 votre habitation lors de l&rsquo;effraction. Par exemple, si les cambrioleurs forcent la porte d&rsquo;entr\u00e9e de votre habitation, l&rsquo;assureur indemnisera, si toutefois la police le pr\u00e9voit, la r\u00e9paration ou le remplacement de la porte.<\/p>\n<p>Certaines polices incendie couvrent \u00e9galement les pertes indirectes, certains assureurs le proposent \u00e0 titre de garantie facultative. Les pertes indirectes impliquent la perception d&rsquo;une indemnisation, g\u00e9n\u00e9ralement bas\u00e9e sur un pourcentage de l&rsquo;indemnisation du sinistre, pour tous les frais engag\u00e9s \u00e0 la suite d&rsquo;un sinistre. Pensez notamment aux frais de t\u00e9l\u00e9phone et de d\u00e9placement, les frais de devis, etc.<\/p>\n<p>En compl\u00e9ment de votre assurance incendie, vous pouvez aussi prendre une assurance protection juridique. L&rsquo;assureur protection juridique vous informe sur vos droits \u00e0 la suite d&rsquo;un sinistre. L&rsquo;assurance protection juridique pr\u00e9voit souvent une intervention pour les \u00e9ventuels frais d&rsquo;avocat. Vous pourrez faire appel \u00e0 votre assurance protection juridique, m\u00eame dans le cas o\u00f9 vous n&rsquo;\u00eates pas d&rsquo;accord avec le montant des dommages fix\u00e9 par l&rsquo;expert de l&rsquo;assureur. Elle indemnisera alors les frais de contre-expertise (ou une partie de ceux-ci).<\/p>\n                                                <!-- <\/div> -->\r\n                                                                    <\/div>\r\n    <br>\r\n        <\/div>\r\n\r\n    <div class=\"col-12 col-md-6 col-lg-4\">\r\n                <div class=\"widget\">\r\n                            <div class=\"widget_tip\">Pour les locataires<\/div>\r\n            \r\n            <div class=\"widget_decorator\">\r\n                <div class=\"widget_icon\">\r\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"53\" height=\"52\" viewBox=\"0 0 53 52\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M18.333 28.6204V28.6204C21.7792 28.6204 24.573 31.4141 24.573 34.8604V48.4313H12.093V34.8604C12.093 31.4141 14.8867 28.6204 18.333 28.6204Z\" stroke=\"#6633CC\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><rect x=\"6.33216\" y=\"2.03922\" width=\"8.53412\" height=\"3.36471\" stroke=\"#032C51\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M26.6952 2.5363C26.3304 2.24548 25.8131 2.24548 25.4483 2.5363L3.75439 19.8338C3.01465 20.4236 3.43172 21.6157 4.37781 21.6157H7.81141C8.0292 21.6157 8.24105 21.5446 8.41474 21.4132L25.4686 8.51122C25.8254 8.24127 26.3182 8.2412 26.6751 8.51105L43.7391 21.4133C43.9127 21.5446 44.1245 21.6157 44.3422 21.6157H47.7657C48.7118 21.6157 49.1289 20.4236 48.3891 19.8338L26.6952 2.5363Z\" stroke=\"#032C51\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M7.96353 16.4769V5.40392H13.1431V12.2251L7.96353 16.4769V16.4769Z\" stroke=\"#032C51\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><path d=\"M6.33216 22.2173V44.6078\" stroke=\"#032C51\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><path d=\"M45.7298 22.2173V44.6078\" stroke=\"#032C51\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><path d=\"M6.33216 48.4314H45.7298\" stroke=\"#032C51\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><rect x=\"30.3235\" y=\"28.6204\" width=\"11.0525\" height=\"11.7561\" stroke=\"#032C51\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><path d=\"M30.3235 32.1278H41.3659\" stroke=\"#032C51\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\r\n                <\/div>\r\n            <\/div>\r\n\r\n            <h2 class=\"widget_title\">Comparez votre assurance incendie et \u00e9conomisez<\/h2>\r\n            <p>Quel type de logement louez-vous ?<\/p>\r\n\r\n            <form action=\"https:\/\/www.comparateur.be\/assurances\/comparer\/assurance-habitation\/selection-garantie\" novalidate>\r\n                                    <div class=\"widget_radio\">\r\n                        <input name=\"home_type\" type=\"checkbox\" id=\"house_choice_1\" value=\"house\" checked>\r\n                        <label for=\"house_choice_1\">\r\n                            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"53\" height=\"52\" viewBox=\"0 0 53 52\" fill=\"none\">\r\n    <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" fill=\"#6E46CF\" d=\"M36.25 40.0833C36.25 40.9808 35.5225 41.7083 34.625 41.7083H18.375C17.4775 41.7083 16.75 40.9808 16.75 40.0833V23.8333C16.75 22.9359 17.4775 22.2083 18.375 22.2083H34.625C35.5225 22.2083 36.25 22.9359 36.25 23.8333V40.0833ZM34.625 23.8333H27.3125V31.1458H34.625V23.8333ZM18.375 32.7708V40.0833H25.6875V32.7708H18.375ZM25.6875 31.1458H18.375V23.8333H25.6875V31.1458ZM27.3125 32.7708V40.0833H34.625V32.7708H27.3125Z\"\/>\r\n    <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" fill=\"#6E46CF\" d=\"M26.4385 1.35428C26.2498 1.35121 26.0592 1.41347 25.9033 1.54428L3.28907 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class=\"widget_radio_title\">Maison<\/span>\r\n                        <\/label>\r\n                    <\/div>\r\n                                        <div class=\"widget_radio\">\r\n                        <input name=\"home_type\" type=\"checkbox\" id=\"house_choice_2\" value=\"apartment\" >\r\n                        <label for=\"house_choice_2\">\r\n                            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"57\" height=\"56\" viewBox=\"0 0 57 56\" fill=\"none\">\r\n    <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" fill=\"#6E46CF\" d=\"M4.875 2.91667C4.39175 2.91667 4 3.30842 4 3.79167V7.875C4 8.35825 4.39175 8.75 4.875 8.75H5.16667V51.3333H3.70833C3.22508 51.3333 2.83333 51.7251 2.83333 52.2083C2.83333 52.6916 3.22508 53.0833 3.70833 53.0833H53.2917C53.7749 53.0833 54.1667 52.6916 54.1667 52.2083C54.1667 51.7251 53.7749 51.3333 53.2917 51.3333H46.4532C46.5384 50.9581 46.5833 50.5676 46.5833 50.1667C46.5833 47.365 44.3888 45.076 41.625 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<\/div>\r\n\r\n        <script>\r\n            document.addEventListener('DOMContentLoaded', function () {\r\n                document.querySelectorAll('.widget_radio input[type=checkbox]').forEach(function (checkbox) {\r\n                    checkbox.addEventListener('click', function () {\r\n                        document.querySelectorAll('.widget_radio input[type=checkbox]').forEach(function (box) {\r\n                            box.checked = false;\r\n                        });\r\n                        this.checked = true;\r\n                    });\r\n                });\r\n            });\r\n        <\/script>\r\n                <div class=\"sticky\">\r\n            <div class=\"summary summary--anchors\">\r\n                <div id=\"summary-anchors\">\r\n                                            <h3>Sommaire<\/h3>\r\n                                    <\/div>\r\n            <\/div>\r\n            <div class=\"summary summary--links\">\r\n                <div class=\"summary--links-list\">\r\n                                            <h3>En savoir plus sur<\/h3>\r\n                                        <a class=\"summary--links-list--link\" href=\"\/assurance-habitation\/prix-assurance-habitation\"><span>Assurance habitation prix : combien co\u00fbte une assurance habitation?<\/span><\/a><a class=\"summary--links-list--link\" href=\"\/assurance-habitation\/garantie\/batiment-ou-contenu\"><span>\u00ab B\u00e2timent \u00bb ou \u00ab contenu \u00bb?<\/span><\/a><a class=\"summary--links-list--link\" href=\"\/assurance-habitation\/valeur-assuree\"><span>Qu&rsquo;est-ce que la valeur assur\u00e9e?<\/span><\/a>                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n\r\n    <\/div>\r\n    <\/div>\r\n    <!-- <\/section> -->\r\n        <\/section>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":93,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1921","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.4 (Yoast SEO v23.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Que couvre l&#039;assurance incendie ? | Comparateur.be<\/title>\n<meta name=\"description\" content=\"Quels risques sont couverts par l&#039;assurance incendie ? 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