{"id":590,"date":"2024-12-10T11:34:03","date_gmt":"2024-12-10T10:34:03","guid":{"rendered":"https:\/\/www.locservice.fr\/guides\/?p=590"},"modified":"2025-12-01T16:18:30","modified_gmt":"2025-12-01T15:18:30","slug":"assurance-proprietaire-bailleur","status":"publish","type":"post","link":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/mettre-son-logement-location\/assurance-proprietaire-bailleur","title":{"rendered":"Propri\u00e9taire-bailleur : quelle assurance faut-il souscrire ?"},"content":{"rendered":"\n<p class=\"a-retenir\">Vous \u00eates propri\u00e9taire d\u2019un logement mis en location. En th\u00e9orie, seule l\u2019<a href=\"https:\/\/www.locservice.fr\/guides\/guide-locataire\/avant-signer-bail\/assurance-habitation-locataire\">assurance habitation souscrite par le locataire<\/a> est obligatoire pour les propri\u00e9taires-bailleurs. Mais en pratique, d\u2019autres assurances peuvent \u00eatre utiles, telles que l&rsquo;assurance loyers impay\u00e9s, ou l&rsquo;assurance propri\u00e9taire non occupant.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter is-resized\"><a href=\"https:\/\/www.locservice.fr\/proprietaires\/\"><img decoding=\"async\" src=\"https:\/\/locservicev2.s3.eu-west-3.amazonaws.com\/guide\/cta-ls-prop.jpg\" alt=\"\" style=\"object-fit:cover;width:300px;height:300px\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">L\u2019assurance du logement lou\u00e9<\/h2>\n\n\n\n<p>D\u00e8s la remise des clefs \u00e0 votre locataire, celui-ci doit vous remettre une attestation d\u2019assurance pour le bien lou\u00e9. Cette assurance englobe plusieurs garanties&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la responsabilit\u00e9 civile qui couvre votre locataire contre des pr\u00e9judices mat\u00e9riels ou corporels subis par un tiers et dont il est responsable. Si son chien s\u2019\u00e9chappe et renverse un cycliste par exemple, le locataire pourra faire intervenir son assurance pour indemniser le cycliste.<\/li>\n\n\n\n<li>Assurance incendie<\/li>\n\n\n\n<li>Assurance d\u00e9g\u00e2t des eaux<\/li>\n\n\n\n<li>Assurance Catastrophe naturelle<\/li>\n\n\n\n<li>Assurance Vols, cambriolage et vandalisme<\/li>\n\n\n\n<li>Assurance bris de glace<\/li>\n<\/ul>\n\n\n\n<p>Si votre locataire ne vous fournit pas son attestation en temps et en heure, vous avez le droit de souscrire vous-m\u00eame une assurance ou de r\u00e9silier le bail si une clause le pr\u00e9voit dans le contrat de bail. Si vous souscrivez vous-m\u00eame un contrat d\u2019assurance habitation, vous r\u00e9percuterez son co\u00fbt sur le loyer fix\u00e9 pour votre logement.<\/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\u2019assurance contre les loyers impay\u00e9s<\/h2>\n\n\n\n<p>Les loyers impay\u00e9s sont la b\u00eate noire des propri\u00e9taires. Vous pouvez ainsi souscrire une <a href=\"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/impayes-loyers\/assurance-loyers-impayes\">assurance loyers impay\u00e9s<\/a> (aussi appel\u00e9e GLI &#8211; Garantie des loyers impay\u00e9s) pour vous pr\u00e9munir de ce risque.<\/p>\n\n\n\n<p>En revanche, cela vous emp\u00eache de demander un <a href=\"https:\/\/www.locservice.fr\/guides\/guide-colocataire\/debut-colocation\/garant-colocation\">garant<\/a> : il est en effet <strong>interdit de cumuler garant et GLI<\/strong>, sauf si votre locataire est \u00e9tudiant ou apprenti.<\/p>\n\n\n\n<p>L\u2019assurance loyer impay\u00e9 coute entre 2 et 5 % du revenu locatif annuel (soit en moyenne \u00bd mois de loyer). Les tarifs sont variables selon les assureurs et les options que vous choisissez. Les assureurs imposent en contrepartie des conditions assez strictes sur les revenus et garanties financi\u00e8res des locataires, ce qui exclut g\u00e9n\u00e9ralement les salari\u00e9s pr\u00e9caires (int\u00e9rimaires, CDD&#8230;).<\/p>\n\n\n\n<p class=\"has-border-color has-background\" style=\"border-color:#30a2ce;border-width:1px;background-color:#d2e8ef\">\u2139\ufe0f <strong>S\u00e9curisez vos revenus locatifs<\/strong> ! LocService vous propose une <strong>Garantie Loyers Impay\u00e9s<\/strong> \u00e0 partir de 2,50 % TTC du montant du loyer charges comprises, <strong>d\u00e8s le premier mois d&rsquo;impay\u00e9<\/strong> : <strong><a href=\"https:\/\/bailleur.locservice.fr\/garantie-loyers-impayes\">cliquez ici<\/a><\/strong><\/p>\n\n\n\n<p>Une autre possibilit\u00e9 de s\u2019assurer contre les loyers impay\u00e9s est de demander au locataire de souscrire \u00e0 la <a href=\"https:\/\/www.locservice.fr\/guides\/guide-locataire\/entree-logement\/visale\">garantie Visale<\/a> (qui a remplac\u00e9 la <a href=\"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/impayes-loyers\/grl\">GRL<\/a>). Gratuite pour les propri\u00e9taires comme pour les locataires, cette garantie est ouverte aux jeunes de moins de 30 ans, aux locataires signant un bail mobilit\u00e9 et aux salari\u00e9s en d\u00e9but de contrat (hors CDI confirm\u00e9).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L&rsquo;assurance \u00ab&nbsp;propri\u00e9taire non occupant&nbsp;\u00bb<\/h2>\n\n\n\n<p>Si un sinistre se d\u00e9clare dans votre logement alors qu\u2019il est inoccup\u00e9, ou que le sinistre (\u00e9clatement des canalisations \u00e0 cause du gel par exemple) n\u2019est pas pris en charge par l\u2019assurance de votre locataire, les travaux de remise en \u00e9tat seront \u00e0 vos frais. D\u2019o\u00f9 l\u2019int\u00e9r\u00eat de l\u2019<strong>assurance \u00ab&nbsp;propri\u00e9taire non occupant&nbsp;\u00bb<\/strong>.<br>Cette assurance offre une couverture \u00e9quivalente \u00e0 la multirisque habitation. Elle est devenue obligatoire en 2015 (Loi Alur) pour les propri\u00e9taires d\u2019un <strong>logement en copropri\u00e9t\u00e9<\/strong>.<\/p>\n\n\n\n<p><\/p>\n<div style='text-align:left' class='yasr-auto-insert-visitor'><\/div>","protected":false},"excerpt":{"rendered":"<p>Vous \u00eates propri\u00e9taire d\u2019un logement mis en location. En th\u00e9orie, seule l\u2019assurance habitation souscrite par le locataire est obligatoire pour [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":591,"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":[25],"tags":[],"class_list":["post-590","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mettre-son-logement-location"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quelles sont les assurances que peut prendre le propri\u00e9taire-bailleur ?<\/title>\n<meta name=\"description\" content=\"L&#039;assurance habitation souscrite par le locataire est la seule vraiment obligatoire pour les propri\u00e9taires-bailleurs. 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