{"id":284,"date":"2024-11-27T16:32:02","date_gmt":"2024-11-27T15:32:02","guid":{"rendered":"https:\/\/www.locservice.fr\/guides\/?p=284"},"modified":"2025-07-02T16:26:07","modified_gmt":"2025-07-02T14:26:07","slug":"assurance-habitation-locataire","status":"publish","type":"post","link":"https:\/\/www.locservice.fr\/guides\/guide-locataire\/avant-signer-bail\/assurance-habitation-locataire","title":{"rendered":"L&rsquo;assurance habitation du locataire"},"content":{"rendered":"\n<p class=\"a-retenir\">La souscription d&rsquo;une assurance habitation par les locataires est obligatoire pour les locations, qu&rsquo;elles soient vides ou meubl\u00e9es. En cas d&rsquo;absence de souscription, cela peut faire l&rsquo;objet d&rsquo;une r\u00e9siliation de bail si la clause est pr\u00e9vue dans le bail. Le propri\u00e9taire peut aussi souscrire l&rsquo;assurance \u00e0 la place du locataire mais aux frais de ce dernier.<\/p>\n\n\n\n<div id=\"div-gpt-ad-1534773938396-0\" style=\"text-align: center;\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">L&rsquo;assurance habitation, une obligation du locataire<\/h2>\n\n\n\n<p>L&rsquo;assurance \u00ab\u00a0de base\u00a0\u00bb que <a href=\"https:\/\/www.locservice.fr\/guides\/guide-locataire\/durant-la-location\/obligations-locataire-proprietaire\">le locataire a l&rsquo;obligation<\/a> de souscrire dans tous les cas est l\u2019<strong>assurance des risques locatifs<\/strong> (incendie, explosion, d\u00e9g\u00e2t des eaux). Cependant elle ne couvre que le logement en lui-m\u00eame. Ainsi, elle indemnisera le propri\u00e9taire en cas de sinistre caus\u00e9 par un de ces \u00e9v\u00e9nements.<br><br>Si vous souhaitez prot\u00e9ger vos propres biens et votre responsabilit\u00e9, vous pouvez souscrire une assurance compl\u00e9mentaire. Un<strong> contrat multirisques habitation<\/strong> vous permettra de b\u00e9n\u00e9ficier des garanties obligatoires et des garanties compl\u00e9mentaires essentielles :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Incendie, explosion,<\/li>\n\n\n\n<li>D\u00e9g\u00e2ts des eaux,<\/li>\n\n\n\n<li>Catastrophes naturelles et temp\u00eate,<\/li>\n\n\n\n<li>Attentats ou actes terroristes,<\/li>\n\n\n\n<li>La responsabilit\u00e9 civile (dommages caus\u00e9s au tiers).<\/li>\n<\/ul>\n\n\n\n<p>D&rsquo;autres garanties facultatives peuvent s&rsquo;y ajouter et permettent au locataire d&rsquo;\u00eatre mieux couvert (recherche de fuites, vol, bris de glace, \u2026).<\/p>\n\n\n\n<p><strong>La loi oblige le locataire \u00e0 souscrire une assurance habitation<\/strong> et \u00e0 fournir un justificatif lors de la remise des cl\u00e9s, et une fois par an si le bailleur en fait la demande.<\/p>\n\n\n\n<p>\u26a0\ufe0f <strong>Attention <\/strong>: le d\u00e9faut d&rsquo;assurance autorise le propri\u00e9taire \u00e0 <a href=\"https:\/\/www.locservice.fr\/guides\/guide-locataire\/resiliation-bail-locataire#delai-preavis\">r\u00e9silier le contrat de location<\/a> si cela est pr\u00e9vu dans une clause de ce contrat. Dans ce cas, il faut que le propri\u00e9taire envoie au pr\u00e9alable un commandement au locataire et que celui-ci reste infructueux pendant au moins <strong>un mois<\/strong>. Ce commandement doit inclure la mention suivante, extraite de l&rsquo;article 7 de la loi n\u00b0 89-462 du 6 juillet 1989 :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>Toute clause pr\u00e9voyant la r\u00e9siliation de plein droit du contrat de location pour d\u00e9faut d&rsquo;assurance du locataire ne produit effet qu&rsquo;un mois apr\u00e8s un commandement demeur\u00e9 infructueux. Ce commandement reproduit, \u00e0 peine de nullit\u00e9, les dispositions du pr\u00e9sent alin\u00e9a.<\/em><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Combien co\u00fbte une assurance habitation ?<\/h2>\n\n\n\n<p>Le tarif moyen annuel en France s&rsquo;\u00e9l\u00e8ve en moyenne \u00e0 216 \u20ac pour un appartement et 372 \u20ac pour une maisons. C&rsquo;est en Corse et dans la r\u00e9gion PACA que les tarifs moyens sont les plus \u00e9lev\u00e9s de France.<\/p>\n\n\n\n<p class=\"has-border-color has-background\" style=\"border-color:#ffec49;border-width:1px;background-color:#fffcbc\">\ud83c\udfe1 <strong>Besoin d&rsquo;une assurance habitation ?<\/strong> LocService.fr vous aide \u00e0 en trouver une au meilleur prix. Recevez votre attestation d&rsquo;assurance en 5 minutes ! <strong><a href=\"https:\/\/app.papernest.com\/onboarding?anonymous&amp;destination=insurance&amp;segment=insurance&amp;pole=Partnerships&amp;source=Web_partnerships&amp;source2=mrh_locservice&amp;medium=mrh&amp;x=b2e3252e-8b83-4541-a07b-58f19cac17c4&amp;y=56e2c227-33e1-4480-9c6b-bfa777ab2466&amp;account.is_moving=moving&amp;housing.tenantship=true\" rel=\"noreferrer noopener\" target=\"_blank\">Cliquez ici<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le propri\u00e9taire peut souscrire une assurance habitation \u00e0 la place du locataire<\/h2>\n\n\n\n<p>Depuis la <a href=\"https:\/\/www.locservice.fr\/guides\/guide-locataire\/loi-location\/loi-alur\">loi Alur<\/a>, le propri\u00e9taire a aussi le choix de <strong>souscrire l&rsquo;assurance habitation pour le compte du locataire<\/strong> si ce dernier ne le fait pas dans un d\u00e9lai d&rsquo;un mois apr\u00e8s une mise en demeure. Dans ce cas, le montant de l&rsquo;assurance est <strong>r\u00e9cup\u00e9rable<\/strong> aupr\u00e8s du locataire avec possibilit\u00e9 de le <strong>majorer de 10 % maximum<\/strong>. Cette r\u00e9cup\u00e9ration se fait chaque mois (soit un douzi\u00e8me du montant annuel de l&rsquo;assurance), en m\u00eame temps que le paiement du loyer ; l&rsquo;avis d&rsquo;\u00e9ch\u00e9ance et la quittance doivent alors mentionner l&rsquo;assurance. Si le locataire se d\u00e9cide finalement \u00e0 souscrire sa propre assurance, le bailleur doit alors r\u00e9silier celle qu&rsquo;il a souscrite dans les plus brefs d\u00e9lais.<\/p>\n\n\n\n<p>Le locataire est libre de choisir sa compagnie d&rsquo;assurance, le propri\u00e9taire n&rsquo;a pas le droit de l&rsquo;imposer.<\/p>\n\n\n\n<p class=\"has-border-color has-background\" style=\"border-color:#cccccc;border-width:1px;background-color:#eeeeee\">N\u2019oubliez pas que <a href=\"\/\">LocService.fr<\/a> peut vous aider dans votre<strong>&nbsp;recherche de logement \u00e0 louer&nbsp;<\/strong>:&nbsp;<a href=\"https:\/\/www.locservice.fr\/location-appartement.html\">location d\u2019appartement<\/a>,&nbsp;<a href=\"https:\/\/www.locservice.fr\/location-maison.html\">location de maison<\/a>,&nbsp;<a href=\"https:\/\/www.locservice.fr\/location-meuble.html\">location meubl\u00e9e<\/a>,&nbsp;<a href=\"https:\/\/www.locservice.fr\/logement-etudiant.html\">location de logement \u00e9tudiant<\/a>.<\/p>\n\n\n\n<p><\/p>\n<div style='text-align:left' class='yasr-auto-insert-visitor'><\/div>","protected":false},"excerpt":{"rendered":"<p>La souscription d&rsquo;une assurance habitation par les locataires est obligatoire pour les locations, qu&rsquo;elles soient vides ou meubl\u00e9es. En cas [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":285,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[19],"tags":[],"class_list":["post-284","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avant-signer-bail"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance habitation location : tout ce qu&#039;il faut savoir<\/title>\n<meta name=\"description\" content=\"Ce qu&#039;il faut savoir sur la l\u00e9gislation concernant l&#039;assurance habitation du locataire : A quoi sert-elle ? 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