L\u2019assurance habitation, qui est obligatoire pour toutes les r\u00e9sidences principales en location, a pour objectif de prot\u00e9ger le logement contre divers types de sinistres.<\/p>\n\n\n\n
Il existe diff\u00e9rents contrats d\u2019assurance habitation incluant plus ou moins de garanties, nous vous expliquons ici comment \u00eatre s\u00fbr d\u2019obtenir une indemnisation de votre assureur en cas de cambriolage de votre r\u00e9sidence.<\/p>\n\n\n\n
La seule garantie obligatoire d\u2019un contrat d\u2019assurance habitation est la responsabilit\u00e9 civile du logement, qui permet de prendre en charge les d\u00e9g\u00e2ts subis par des tiers au cas o\u00f9 un sinistre se propagerait en dehors du bien immobilier assur\u00e9.<\/p>\n\n\n\n
La garantie vol et cambriolage, bien que pr\u00e9sente dans quasiment toutes les formules multirisques habitation, est absente des assurances habitation les moins ch\u00e8res qui se reposent essentiellement sur la responsabilit\u00e9 civile.<\/p>\n\n\n\n
Le meilleur moyen pour profiter de la garantie vol et cambriolage est donc de souscrire un contrat MRH (multirisque habitation) pour votre logement.<\/p>\n\n\n\n
D\u00e8s que vous prenez connaissance que votre logement a \u00e9t\u00e9 cambriol\u00e9, vous devez avertir la police ou la gendarmerie et dresser un constat des d\u00e9g\u00e2ts et des vols occasionn\u00e9s lors de cet \u00e9v\u00e8nement.<\/p>\n\n\n\n
Dans les deux jours ouvr\u00e9s suivant la d\u00e9couverte de l\u2019incident, vous devez avertir votre assureur et d\u00e9poser une demande d\u2019indemnisation (par t\u00e9l\u00e9phone, par courrier postal ou \u00e9lectronique) en joignant la copie du d\u00e9p\u00f4t de plainte aupr\u00e8s des forces de l\u2019ordre.<\/p>\n\n\n\n
Dans votre dossier, vous devez apporter une liste des objets d\u00e9truits ou vol\u00e9s.<\/p>\n\n\n\n
Si vous le pouvez, apportez \u00e9galement des justificatifs pour faciliter l\u2019\u00e9valuation des biens, gr\u00e2ce \u00e0 des factures d\u2019achat ou des garanties.<\/p>\n\n\n\n
Comme pour toutes les garanties du contrat multirisque habitation, le vol et le cambriolage sont pris en charge au maximum \u00e0 hauteur du plafond d\u2019indemnisation indiqu\u00e9 dans les conditions g\u00e9n\u00e9rales et particuli\u00e8res du contrat d\u2019assurance.<\/p>\n\n\n\n
Pour obtenir la meilleure protection, nous vous recommandons d\u2019estimer vos biens mobiliers et vos objets de valeur d\u00e8s la souscription de votre assurance habitation pour faire correspondre le plafond d\u2019indemnisation avec vos besoins r\u00e9els.<\/p>\n","protected":false},"excerpt":{"rendered":"
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