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Quelle assurance ? : Questions et demandes de conseils


Quelle assurance ?

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Quelle assurance ?

Messagepar Xaphrael » 15 Mai 2016, 11:03

Bonjour,

(Juste en passant... J'ai voulu faire une recherche sur le forum avec le terme "assurance" pensant que peut être quelqu'un avait déjà posé la question... Mais je n'ai pas trouvé où on peut faire une recherche ? Quelqu'un peut m'indiquer ça ?)

En vue de l'ouverture prochaine de notre premier gîte (pas dans notre résidence principale, je précise), on s'interroge sur la meilleure assurance à prendre. On a bien compris qu'il faut d'une part assurer les lieux (type assurance habitation) et ajouter une assurance responsabilité professionnelle.

J'ai rencontré mon assureur actuel, qui me propose un contrat qui a l'air bien bétonné, hyper complet... Pour la modique somme de 450€/an. Hum. La rentabilité s'éloigne lol.
Par ailleurs, il y a des offres sur internet, type assurgites.fr, semble-t-il "fait sur mesure" pour cette activité, à des tarifs beaucoup plus concurrentiels. Mais je n'aime pas tellement l'idée de n'avoir aucun interlocuteur... Qu'en pensez vous ? Quelles assurances avez vous prises ? Assureur classique ou assurance de ce type ?
Par ailleurs, les labels clévacances ou GDF incluent-ils une assurance ?

Bonne journée,
Fanny
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Re: Quelle assurance ?

Messagepar philippe coste » 16 Mai 2016, 21:56

bonjour
c'est mon assurance principale et je ne connais pas assur gites

par contre assurez vous que vous soyez assurés pour les degats par les locataires non assurés
- les francais ont leur rc
- les anglo saxons, sud americains , .. n'en ont pas

certaines assurances couvrent ce risque

philippe coste
http://www.gite-mas-de-coste.com
https://www.facebook.com/GitesMasdeCoste
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Re: Quelle assurance ?

Messagepar Chalet de l'Arclosan » 17 Mai 2016, 08:22

Il faut bien se poser la question de la perte d'exploitation aussi. Pouvez vous vous passer de plusieurs moi de lcoation en cas de pépin?
Si non, avez vous des ressources autres (famille, mais, placements, ...)?

Si non, pensez y! (c'est du vécu!)
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Re: Quelle assurance ?

Messagepar jpp_nice » 17 Mai 2016, 12:04

En tant que particulier, l'assurance pour la location d'un meublé n'est pas très élevée. Si on exploite de manière professionnelle, avec un statut, c'est beaucoup plus cher. Ne me demandez pas pourquoi, çà doit être comme les licences microsoft office...

Pour ce qui concerne la perte d'exploitation, mon assurance me l'a proposé, mais sur la base d'une moyenne des revenus annuels, donc pas intéressante si on a un problème en plein mois d'aout, l'indemnisation ne couvrira pas la perte réelle sur la base des contrats mais la moyenne annuelle de mes revenus rapportés à la durée non exploitée.
J'ai donc laissé tomber mais c'est un point à surveiller.

Jean
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Re: Quelle assurance ?

Messagepar Xaphrael » 30 Mai 2016, 09:03

Bonjour à vous,
Merci de vos réponses. J'avais oublié de cocher "M'avertir en cas de réponse" et donc je viens seulement de voir vos messages, c'est pour ça que je ne réponds que maintenant.
Je vais me tourner vers un assureur que je connais je crois plutôt que les offres sur internet. J'ai la chance d'avoir mon père fraîchement retraité qui habite à cinquante mètres du futur gite, je pense que s'il m'arrive quelque chose je suis tranquille il prendra le relais. Après il y a la question de la perte d'exploitation en cas de gros sinistre (incendie, etc). Je vais en reparler avec mon assureur.
Merci encore à vous !
Fanny
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Re: Quelle assurance ?

Messagepar Julie » 22 Juin 2016, 17:07

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