{"id":2298,"date":"2023-02-26T10:43:07","date_gmt":"2023-02-26T09:43:07","guid":{"rendered":"https:\/\/bloom-communication.dz\/GAM\/?p=2298"},"modified":"2023-06-13T18:40:53","modified_gmt":"2023-06-13T17:40:53","slug":"quels-biens-assurer-avec-son-assurance-habitation","status":"publish","type":"post","link":"https:\/\/gam.dz\/ar\/quels-biens-assurer-avec-son-assurance-habitation\/","title":{"rendered":"\u0645\u0627 \u0647\u064a \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a\u0647\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0646\u0632\u0644\u061f"},"content":{"rendered":"<h2 class=\"wp-block-heading\">1. Biens immobiliers et mobiliers<\/h2>\n\n\n\n<p>Au-del\u00e0 de la&nbsp;<strong>couverture de la vie priv\u00e9e<\/strong>,&nbsp;un contrat d\u2019assurance habitation&nbsp;est avant tout destin\u00e9 \u00e0&nbsp;<strong>couvrir les dommages aux biens<\/strong>&nbsp;qui vous appartiennent ou que l\u2019on vous a confi\u00e9s. Pour les locataires, les dommages au logement confi\u00e9 sont couverts en cas d\u2019incendie, d\u2019explosion et de d\u00e9g\u00e2t des eaux.<\/p>\n\n\n\n<p>Selon les garanties souscrites, les&nbsp;<strong>biens immobiliers couverts<\/strong>&nbsp;sont :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Les locaux \u00e0 usage d\u2019habitation<\/strong>&nbsp;: maison, appartement, mobil home, yourte, etc., leurs&nbsp;d\u00e9pendances&nbsp;(garage, cave, grenier, cellier, abri ext\u00e9rieur, etc.), les murs de cl\u00f4ture et de sout\u00e8nement, etc.<\/li>\n\n\n\n<li><strong>Les am\u00e9nagements et embellissements<\/strong>&nbsp;: placard, chauffage\/climatisation,&nbsp;po\u00eale \u00e0 bois, rev\u00eatement de sol ou de mur, etc.<\/li>\n<\/ul>\n\n\n\n<p>Les&nbsp;<strong>biens mobiliers couverts<\/strong>&nbsp;concernent selon les garanties :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Les meubles<\/strong>&nbsp;(canap\u00e9, table, armoire, etc.) et&nbsp;<strong>appareils<\/strong>&nbsp;(audiovisuel \u00e9lectrom\u00e9nager, informatique, \u00e9quipements connect\u00e9s, d\u00e9coration, vaisselle, linge, etc.).<\/li>\n\n\n\n<li><strong>Les objets pr\u00e9cieux ou de valeur<\/strong>&nbsp;: bijoux et objets en m\u00e9tal pr\u00e9cieux (or, platine, argent, etc.), pierres pr\u00e9cieuses, perles,&nbsp;\u0153uvres d\u2019art, collections, etc.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2. L\u2019enjeu de l\u2019estimation de vos biens<\/h2>\n\n\n\n<p>C\u2019est \u00e0 l\u2019assur\u00e9 d\u2019estimer le montant de ses biens : il doit&nbsp;<strong>d\u00e9clarer le montant du patrimoine mobilier&nbsp;<\/strong>qu\u2019il d\u00e9tient, aussi bien pour son&nbsp;<strong>patrimoine usuel<\/strong>&nbsp;que pour son&nbsp;<strong>patrimoine objets pr\u00e9cieux<\/strong>. Il peut se faire aider : certains assureurs proposent des aides \u00e0 l\u2019\u00e9valuation du patrimoine.&nbsp;<\/p>\n\n\n\n<p>Il est important de&nbsp;<strong>bien d\u00e9terminer la valeur<\/strong>&nbsp;des biens mobiliers et de se positionner dans la bonne tranche propos\u00e9e car cette tranche d\u00e9termine la limite de l\u2019indemnisation en cas de sinistre. Pour l\u2019immobilier, il faut \u00e9galement veiller \u00e0 ce que la formule de l\u2019assurance habitation propos\u00e9e<strong>&nbsp;couvre bien la totalit\u00e9 de la valeur de reconstruction<\/strong>. Il existe en effet des plafonds d\u2019intervention pour l\u2019immobilier \u00e0 prendre compte. Il est n\u00e9cessaire \u00e9galement de&nbsp;<strong>mentionner le nombre de pi\u00e8ces<\/strong>&nbsp;que comporte le logement ainsi que les \u00e9l\u00e9ments d\u2019<strong>\u00e9quipements ext\u00e9rieurs<\/strong>&nbsp;comme les&nbsp;piscines, courts de tennis, etc.&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Les garanties de l\u2019assurance habitation ont vocation \u00e0 couvrir les dommages subis par les biens immobiliers, mais aussi par leurs contenus. Quels sont les types de biens et de situations qui peuvent faire l\u2019objet d\u2019une&#8230;<\/p>","protected":false},"author":15,"featured_media":3582,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-2298","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-particuliers"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quels biens assurer\u00a0avec son assurance habitation\u00a0? - GAM Assurances<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gam.dz\/ar\/quels-biens-assurer-avec-son-assurance-habitation\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quels biens assurer\u00a0avec son assurance habitation\u00a0? - GAM Assurances\" \/>\n<meta property=\"og:description\" content=\"Les garanties de l\u2019assurance habitation ont vocation \u00e0 couvrir les dommages subis par les biens immobiliers, mais aussi par leurs contenus. Quels sont les types de biens et de situations qui peuvent faire l\u2019objet d\u2019une...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gam.dz\/ar\/quels-biens-assurer-avec-son-assurance-habitation\/\" \/>\n<meta property=\"og:site_name\" content=\"GAM Assurances\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/GAMassurancesofficiel\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-02-26T09:43:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-13T17:40:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gam.dz\/wp-content\/uploads\/muslim-traditional-woman-Grande.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"854\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Abderrahmane HADJI\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@gam_assurances\" \/>\n<meta name=\"twitter:site\" content=\"@gam_assurances\" \/>\n<meta name=\"twitter:label1\" content=\"\u0643\u064f\u062a\u0628 \u0628\u0648\u0627\u0633\u0637\u0629\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abderrahmane HADJI\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631\" \/>\n\t<meta name=\"twitter:data2\" content=\"\u062f\u0642\u064a\u0642\u062a\u0627\u0646\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/gam.dz\/quels-biens-assurer-avec-son-assurance-habitation\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/gam.dz\/quels-biens-assurer-avec-son-assurance-habitation\/\"},\"author\":{\"name\":\"Abderrahmane HADJI\",\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#\/schema\/person\/b2853d26e1f71276826e0bc29b39a834\"},\"headline\":\"Quels biens assurer\u00a0avec son assurance habitation\u00a0?\",\"datePublished\":\"2023-02-26T09:43:07+00:00\",\"dateModified\":\"2023-06-13T17:40:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/gam.dz\/quels-biens-assurer-avec-son-assurance-habitation\/\"},\"wordCount\":383,\"publisher\":{\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#organization\"},\"image\":{\"@id\":\"https:\/\/gam.dz\/quels-biens-assurer-avec-son-assurance-habitation\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/gam.dz\/wp-content\/uploads\/muslim-traditional-woman-Grande.jpeg\",\"articleSection\":[\"Particuliers\"],\"inLanguage\":\"ar\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gam.dz\/quels-biens-assurer-avec-son-assurance-habitation\/\",\"url\":\"https:\/\/gam.dz\/quels-biens-assurer-avec-son-assurance-habitation\/\",\"name\":\"Quels biens assurer\u00a0avec son assurance habitation\u00a0? 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