{"id":18145,"date":"2026-10-22T09:00:00","date_gmt":"2026-10-22T07:00:00","guid":{"rendered":"https:\/\/hellorivierastay.com\/?p=18145"},"modified":"2026-09-26T22:59:25","modified_gmt":"2026-09-26T20:59:25","slug":"assurance-location-courte-duree-proprietaire","status":"publish","type":"post","link":"https:\/\/hellorivierastay.com\/en\/assurance-location-courte-duree-proprietaire\/","title":{"rendered":"Quelle assurance pour un logement lou\u00e9 en courte dur\u00e9e ?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"18145\" class=\"elementor elementor-18145 elementor-bc-flex-widget\" data-elementor-post-type=\"post\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-2rj0pny e-con-full e-flex e-con e-parent\" data-id=\"2rj0pny\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-pffm5q3 elementor-widget elementor-widget-text-editor\" data-id=\"pffm5q3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019<strong>assurance location courte dur\u00e9e<\/strong> est le sujet que les propri\u00e9taires d\u00e9couvrent au mauvais moment : le jour du sinistre. Une assurance habitation classique ne couvre pas automatiquement une activit\u00e9 de location meubl\u00e9e touristique, et la garantie affich\u00e9e par la plateforme n\u2019est pas un contrat d\u2019assurance. Voici comment se couvrir vraiment, et dans quel ordre.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-j75s7i1 hrs-a-retenir elementor-widget elementor-widget-text-editor\" data-id=\"j75s7i1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"hrs-a-rt\">Key takeaways<\/p><ul><li><strong>D\u00e9clarez l\u2019activit\u00e9 \u00e0 votre assureur.<\/strong> Une habitation classique ne couvre pas d\u2019office la location de courte dur\u00e9e.<\/li><li>En copropri\u00e9t\u00e9, le <strong>propri\u00e9taire non occupant doit \u00eatre assur\u00e9<\/strong> au minimum en responsabilit\u00e9 civile.<\/li><li>Les garanties des plateformes sont des <strong>engagements commerciaux<\/strong>, pas des contrats d\u2019assurance : plafonds, exclusions et d\u00e9lais stricts.<\/li><li>V\u00e9rifiez la couverture des <strong>dommages caus\u00e9s par le voyageur<\/strong> et du <strong>recours des voisins<\/strong>.<\/li><li>Visit <strong>perte d\u2019exploitation<\/strong> est l\u2019option la plus oubli\u00e9e : elle couvre les nuits que vous ne pourrez pas louer apr\u00e8s un sinistre.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-o1myrxk elementor-widget elementor-widget-heading\" data-id=\"o1myrxk\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Premi\u00e8re chose : pr\u00e9venir son assureur<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cmwxceh elementor-widget elementor-widget-text-editor\" data-id=\"cmwxceh\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Un contrat d\u2019habitation est \u00e9tabli pour un usage donn\u00e9. En louant en meubl\u00e9 de tourisme, vous changez cet usage : des inconnus occupent le logement, se succ\u00e8dent, utilisent les \u00e9quipements.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-xbkh6l1 elementor-widget elementor-widget-text-editor\" data-id=\"xbkh6l1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ne pas le d\u00e9clarer expose au pire sc\u00e9nario : un refus de prise en charge au moment o\u00f9 vous en avez besoin, pour fausse d\u00e9claration sur le risque. La r\u00e9gularisation co\u00fbte g\u00e9n\u00e9ralement peu, souvent une extension du contrat existant. Le silence, lui, peut co\u00fbter la totalit\u00e9 du sinistre.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2clz7va elementor-widget elementor-widget-text-editor\" data-id=\"2clz7va\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Posez la question par \u00e9crit, et gardez la r\u00e9ponse. En assurance, ce qui n\u2019est pas \u00e9crit n\u2019existe pas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ki4mh1m elementor-widget elementor-widget-heading\" data-id=\"ki4mh1m\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Assurance location courte dur\u00e9e : les garanties \u00e0 v\u00e9rifier<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-wphwjm0 elementor-widget elementor-widget-text-editor\" data-id=\"wphwjm0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>La responsabilit\u00e9 civile du propri\u00e9taire.<\/strong> Elle joue si votre logement cause un dommage \u00e0 un tiers : une fuite qui traverse chez le voisin, un \u00e9l\u00e9ment qui tombe. En copropri\u00e9t\u00e9, le propri\u00e9taire non occupant a l\u2019obligation d\u2019\u00eatre assur\u00e9 au moins sur ce point.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-zujs2yr elementor-widget elementor-widget-text-editor\" data-id=\"zujs2yr\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Les dommages caus\u00e9s par les occupants.<\/strong> C\u2019est le c\u0153ur du sujet en location courte dur\u00e9e. Un voyageur casse, tache, br\u00fble. Certains contrats les excluent, d\u2019autres les couvrent avec une franchise. \u00c0 v\u00e9rifier mot \u00e0 mot.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9zue8pd elementor-widget elementor-widget-text-editor\" data-id=\"9zue8pd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Le recours des voisins et des tiers.<\/strong> Si le sinistre part de chez vous et endommage d\u2019autres logements, cette garantie prend en charge les r\u00e9clamations. En r\u00e9sidence, c\u2019est loin d\u2019\u00eatre th\u00e9orique.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-jcuvezd elementor-widget elementor-widget-text-editor\" data-id=\"jcuvezd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>La perte d\u2019exploitation.<\/strong> Apr\u00e8s un d\u00e9g\u00e2t des eaux, le logement peut \u00eatre inutilisable plusieurs semaines. Cette garantie compense les revenus locatifs perdus. C\u2019est l\u2019option la plus souvent absente des contrats, et la plus utile sur un bien qui produit r\u00e9ellement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3301mg4 elementor-widget elementor-widget-heading\" data-id=\"3301mg4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ce que couvre, et ne couvre pas, la garantie de la plateforme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-j6nt1rn elementor-widget elementor-widget-text-editor\" data-id=\"j6nt1rn\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Airbnb et les autres plateformes mettent en avant des programmes de protection pour les h\u00f4tes. Ils sont r\u00e9els et ils d\u00e9pannent, mais il faut comprendre ce qu\u2019ils sont : des <strong>engagements commerciaux de la plateforme<\/strong>, pas des contrats d\u2019assurance souscrits par vous.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-o6eeak0 elementor-widget elementor-widget-text-editor\" data-id=\"o6eeak0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cons\u00e9quences pratiques : les plafonds et les exclusions sont fix\u00e9s par la plateforme, la proc\u00e9dure de r\u00e9clamation est strictement encadr\u00e9e dans le temps, et la garantie ne joue que pour les r\u00e9servations pass\u00e9es par ce canal. Une r\u00e9servation prise en direct n\u2019est pas couverte.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-gyev3fo elementor-widget elementor-widget-text-editor\" data-id=\"gyev3fo\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Autrement dit, c\u2019est un compl\u00e9ment appr\u00e9ciable, jamais un remplacement de votre propre assurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-u4u8ity elementor-widget elementor-widget-heading\" data-id=\"u4u8ity\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les r\u00e9flexes qui \u00e9vitent les litiges<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-jwvb1tp elementor-widget elementor-widget-text-editor\" data-id=\"jwvb1tp\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Un \u00e9tat des lieux photographique \u00e0 chaque d\u00e9part.<\/strong> C\u2019est ce qui permet de d\u00e9montrer qu\u2019un dommage date du s\u00e9jour concern\u00e9, et de tenir un d\u00e9lai de r\u00e9clamation. Nous le faisons syst\u00e9matiquement dans le cadre de l\u2019<a href=\"https:\/\/hellorivierastay.com\/en\/welcoming-and-departing-passengers\/\">check-in and check-out<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-oh9qgk9 elementor-widget elementor-widget-text-editor\" data-id=\"oh9qgk9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Un inventaire \u00e0 jour<\/strong> du mobilier et des \u00e9quipements de valeur, avec les factures. Sans inventaire, l\u2019indemnisation se n\u00e9gocie \u00e0 l\u2019aveugle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3l36hef elementor-widget elementor-widget-text-editor\" data-id=\"3l36hef\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>D\u00e9clarer vite.<\/strong> Les d\u00e9lais de d\u00e9claration sont courts, quelques jours pour la plupart des sinistres. Un dommage constat\u00e9 et d\u00e9clar\u00e9 trois semaines plus tard devient tr\u00e8s difficile \u00e0 faire prendre en charge.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-tku27x7 elementor-widget elementor-widget-text-editor\" data-id=\"tku27x7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sur la marche \u00e0 suivre en cas de casse, voir notre article sur les <a href=\"https:\/\/hellorivierastay.com\/en\/damage-to-his-airbnb\/\">damage to his Airbnb<\/a>. Et si vous \u00eates en r\u00e9sidence, relisez ce que dit <a href=\"https:\/\/hellorivierastay.com\/en\/renting-villeneuve-loubet-marina-copropriete-rules\/\">votre copropri\u00e9t\u00e9<\/a> : certains r\u00e8glements imposent leurs propres obligations d\u2019assurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-o3tapkl elementor-widget elementor-widget-heading\" data-id=\"o3tapkl\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What we do for the properties we manage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6n5bgct elementor-widget elementor-widget-text-editor\" data-id=\"6n5bgct\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nous ne sommes pas assureurs et nous ne vendons pas de contrat. Ce que nous fournissons, ce sont les \u00e9l\u00e9ments qui font aboutir un dossier : \u00e9tat des lieux \u00e0 chaque d\u00e9part, photos horodat\u00e9es, signalement imm\u00e9diat au propri\u00e9taire, et suivi des r\u00e9parations. Voir notre service <a href=\"https:\/\/hellorivierastay.com\/en\/maintenance-and-property-management\/\">maintenance and property management<\/a> et notre page <a href=\"https:\/\/hellorivierastay.com\/en\/airbnb-concierge-service-in-antibes\/\">conciergerie \u00e0 Antibes<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-iccnw28 hrs-a-service elementor-widget elementor-widget-text-editor\" data-id=\"iccnw28\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"hrs-a-sk\">OUR SERVICE<\/p><p class=\"hrs-a-st\">\u00c9tat des lieux et suivi des incidents<\/p><p>Contr\u00f4le du logement apr\u00e8s chaque d\u00e9part, photos dat\u00e9es, signalement imm\u00e9diat et devis de r\u00e9paration. De quoi appuyer une d\u00e9claration dans les d\u00e9lais.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-v7tfvbi elementor-widget elementor-widget-heading\" data-id=\"v7tfvbi\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently asked questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-evxyxom elementor-widget elementor-widget-accordion\" data-id=\"evxyxom\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-141\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-141\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Mon assurance habitation couvre-t-elle la location saisonni\u00e8re ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-141\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-141\"><p>Pas automatiquement. L\u2019activit\u00e9 de location meubl\u00e9e touristique modifie l\u2019usage du logement et doit \u00eatre d\u00e9clar\u00e9e \u00e0 l\u2019assureur, sous peine de refus de prise en charge.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-142\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-142\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">La garantie d\u2019Airbnb remplace-t-elle une assurance ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-142\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-142\"><p>Non. C\u2019est un engagement commercial de la plateforme, avec ses plafonds, ses exclusions et ses d\u00e9lais, et il ne couvre que les r\u00e9servations pass\u00e9es par elle. Votre propre assurance reste n\u00e9cessaire.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-143\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-143\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quelle assurance est obligatoire en copropri\u00e9t\u00e9 ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-143\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-143\"><p>Le propri\u00e9taire non occupant doit \u00eatre assur\u00e9 au minimum en responsabilit\u00e9 civile, pour les dommages que son lot pourrait causer aux autres.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-144\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-144\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Qu\u2019est-ce que la garantie perte d\u2019exploitation ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-144\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-144\"><p>Elle compense les revenus locatifs perdus lorsque le logement devient inutilisable apr\u00e8s un sinistre. C\u2019est l\u2019option la plus souvent absente des contrats de propri\u00e9taires bailleurs.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-145\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-145\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Que faire en cas de d\u00e9gradation par un voyageur ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-145\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-145\"><p>Photographier imm\u00e9diatement, d\u00e9clarer sans attendre \u00e0 votre assureur et, si la r\u00e9servation vient d\u2019une plateforme, ouvrir le dossier dans le d\u00e9lai qu\u2019elle impose, qui est court.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-xyg87mn hrs-a-sources elementor-widget elementor-widget-text-editor\" data-id=\"xyg87mn\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Sources and updates<\/strong><\/p><p>Article publi\u00e9 le 22 octobre 2026. Il pr\u00e9sente les grands principes applicables \u00e0 la location meubl\u00e9e de tourisme. Les garanties, exclusions et franchises varient fortement d\u2019un contrat \u00e0 l\u2019autre : seule la lecture de vos conditions particuli\u00e8res fait foi. Cet article ne remplace pas l\u2019avis de votre assureur ou d\u2019un courtier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Une habitation classique ne couvre pas la location touristique, et la garantie de la plateforme n\u2019est pas un contrat d\u2019assurance. Responsabilit\u00e9 civile, dommages des occupants, recours des voisins, perte d\u2019exploitation : ce qu\u2019il faut v\u00e9rifier.<\/p>","protected":false},"author":1,"featured_media":17758,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[113],"tags":[],"class_list":["post-18145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gerer-son-logement"],"_links":{"self":[{"href":"https:\/\/hellorivierastay.com\/en\/wp-json\/wp\/v2\/posts\/18145","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hellorivierastay.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hellorivierastay.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hellorivierastay.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hellorivierastay.com\/en\/wp-json\/wp\/v2\/comments?post=18145"}],"version-history":[{"count":0,"href":"https:\/\/hellorivierastay.com\/en\/wp-json\/wp\/v2\/posts\/18145\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hellorivierastay.com\/en\/wp-json\/wp\/v2\/media\/17758"}],"wp:attachment":[{"href":"https:\/\/hellorivierastay.com\/en\/wp-json\/wp\/v2\/media?parent=18145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hellorivierastay.com\/en\/wp-json\/wp\/v2\/categories?post=18145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hellorivierastay.com\/en\/wp-json\/wp\/v2\/tags?post=18145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}