{"id":2060,"date":"2025-11-30T23:07:37","date_gmt":"2025-12-01T04:07:37","guid":{"rendered":"https:\/\/assurances-simon.com\/?p=2060"},"modified":"2025-11-30T23:07:38","modified_gmt":"2025-12-01T04:07:38","slug":"comprendre-la-hausse-de-votre-prime-dassurance-habitation-a-montreal","status":"publish","type":"post","link":"https:\/\/assurances-simon.com\/fr\/comprendre-la-hausse-de-votre-prime-dassurance-habitation-a-montreal\/","title":{"rendered":"Comprendre la hausse de votre prime d\u2019assurance habitation \u00e0 Montr\u00e9al"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">Pourquoi les primes d\u2019assurance habitation augmentent au Qu\u00e9bec?<\/h1>\n\n\n\n<p>Les propri\u00e9taires qu\u00e9b\u00e9cois constatent depuis quelques ann\u00e9es une hausse progressive de leurs <a href=\"https:\/\/assurances-simon.com\/fr\/assurance-habitation\/\">primes d\u2019assurance habitation<\/a>. M\u00eame sans sinistre, il est de plus en plus fr\u00e9quent de recevoir un renouvellement \u00e0 la hausse. Pourquoi? Plusieurs facteurs entrent en jeu : le co\u00fbt de reconstruction, les \u00e9v\u00e9nements climatiques, la pression inflationniste et l\u2019\u00e9volution du risque r\u00e9sidentiel au Qu\u00e9bec.<\/p>\n\n\n\n<p>Voici ce que tout propri\u00e9taire \u00e0 Montr\u00e9al, Laval, Laurentides ou Mont\u00e9r\u00e9gie devrait comprendre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Le co\u00fbt de reconstruction, pas la valeur marchande<\/h2>\n\n\n\n<p>L\u2019assurance habitation couvre <strong>le co\u00fbt de reb\u00e2tir votre propri\u00e9t\u00e9 en cas de sinistre<\/strong>, et non sa valeur de revente. Selon <em>InfoAssurance<\/em> et le <em>Bureau d&rsquo;assurance du Canada<\/em>, ce co\u00fbt a augment\u00e9 significativement depuis 2021, notamment \u00e0 cause :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>de la hausse du prix des mat\u00e9riaux de construction<\/li>\n\n\n\n<li>de la raret\u00e9 de main-d\u2019\u0153uvre qualifi\u00e9e<\/li>\n\n\n\n<li>des nouvelles normes du b\u00e2timent<\/li>\n\n\n\n<li>de l\u2019augmentation des d\u00e9lais de r\u00e9paration<\/li>\n<\/ul>\n\n\n\n<p>M\u00eame sans travaux chez vous, l\u2019assureur ajuste la valeur assur\u00e9e pour suivre l\u2019indice de reconstruction.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-style-rounded\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/ASSURANCES-SIMON-MONTREAL-HOME-RENOVATION-INSURANCE-1024x768.jpg\" alt=\"HOME RENOVATION INCREASE INSURANCE PRICE MONTREAL\" class=\"wp-image-2065\" srcset=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/ASSURANCES-SIMON-MONTREAL-HOME-RENOVATION-INSURANCE-1024x768.jpg 1024w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/ASSURANCES-SIMON-MONTREAL-HOME-RENOVATION-INSURANCE-300x225.jpg 300w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/ASSURANCES-SIMON-MONTREAL-HOME-RENOVATION-INSURANCE-768x576.jpg 768w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/ASSURANCES-SIMON-MONTREAL-HOME-RENOVATION-INSURANCE-1536x1152.jpg 1536w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/ASSURANCES-SIMON-MONTREAL-HOME-RENOVATION-INSURANCE-2048x1536.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Photo: Cal David<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">2. Changements climatiques et sinistres plus co\u00fbteux<\/h2>\n\n\n\n<p>Le Qu\u00e9bec enregistre une augmentation des r\u00e9clamations li\u00e9es \u00e0 des \u00e9v\u00e9nements climatiques extr\u00eames (<em>F\u00e9d\u00e9ration de l\u2019assurance du Canada<\/em>) :<\/p>\n\n\n\n<p>\u27a1\ufe0f inondations printani\u00e8res<br>\u27a1\ufe0f pluies torrentielles<br>\u27a1\ufe0f \u00e9pisodes de gel\/d\u00e9gel<br>\u27a1\ufe0f temp\u00eates de vent ou verglas<\/p>\n\n\n\n<p>Avant 2017, ce type de risque \u00e9tait marginal. Aujourd\u2019hui, les r\u00e9clamations m\u00e9t\u00e9o repr\u00e9sentaient <strong>plus de 1,5 milliard de dollars au pays en 2023<\/strong> (<em>BAC<\/em>). Cette hausse g\u00e9n\u00e9ralis\u00e9e du risque impacte l\u2019ensemble des assur\u00e9s, m\u00eame sans <a href=\"https:\/\/assurances-simon.com\/fr\/assurance-habitation\/\">r\u00e9clamation<\/a> individuelle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Inflation et cha\u00eene d\u2019approvisionnement<\/h2>\n\n\n\n<p>Selon l\u2019<em>Institut de la statistique du Qu\u00e9bec<\/em>, le secteur de la construction a vu ses co\u00fbts augmenter de <strong>14 \u00e0 22 % depuis 2020<\/strong>. \u00c0 cela s\u2019ajoutent :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l\u2019allongement des d\u00e9lais d\u2019approvisionnement<\/li>\n\n\n\n<li>la difficult\u00e9 \u00e0 recruter des entrepreneurs<\/li>\n\n\n\n<li>l\u2019arriv\u00e9e de nouvelles technologies de protection (d\u00e9tecteurs de fuite, syst\u00e8mes de protection incendie)<\/li>\n<\/ul>\n\n\n\n<p>Les assureurs r\u00e9visent donc les primes pour anticiper des r\u00e9parations plus longues et plus co\u00fbteuses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Conditions propres \u00e0 Montr\u00e9al et aux milieux urbains<\/h2>\n\n\n\n<p>\u00c0 Montr\u00e9al, plusieurs facteurs peuvent faire grimper la prime :<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Facteur \u00e9valu\u00e9<\/th><th>Risque consid\u00e9r\u00e9<\/th><\/tr><\/thead><tbody><tr><td>\u00c2ge du b\u00e2timent<\/td><td>installations \u00e9lectriques ou plomberie \u00e0 risque<\/td><\/tr><tr><td>Densit\u00e9 urbaine<\/td><td>propagation accrue en cas d\u2019incendie<\/td><\/tr><tr><td>Gestion de l\u2019eau<\/td><td>\u00e9gouts pluviaux parfois satur\u00e9s<\/td><\/tr><tr><td>Fr\u00e9quence de sinistres dans le secteur<\/td><td>historique n\u00e9gatif = prime plus \u00e9lev\u00e9e<\/td><\/tr><tr><td>Stationnement en sous-sol<\/td><td>exposition \u00e0 l\u2019infiltration<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Selon une \u00e9tude interne au secteur (2024), les b\u00e2timents construits avant 1980 \u00e0 Montr\u00e9al-centre pr\u00e9sentent <strong>jusqu\u2019\u00e0 30 % plus de r\u00e9clamations li\u00e9es \u00e0 l\u2019eau<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-style-rounded\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/MONTREAL-INSURANCE-BROKER-1024x768.jpg\" alt=\"\" class=\"wp-image-2068\" srcset=\"https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/MONTREAL-INSURANCE-BROKER-1024x768.jpg 1024w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/MONTREAL-INSURANCE-BROKER-300x225.jpg 300w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/MONTREAL-INSURANCE-BROKER-768x576.jpg 768w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/MONTREAL-INSURANCE-BROKER-1536x1152.jpg 1536w, https:\/\/assurances-simon.com\/wp-content\/uploads\/2025\/11\/MONTREAL-INSURANCE-BROKER-2048x1536.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Photo: C\u00e9line Chamiot-Poncet<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">5. Historique de r\u00e9clamations<\/h2>\n\n\n\n<p>M\u00eame <strong>une petite r\u00e9clamation<\/strong> peut avoir un impact. Les assureurs \u00e9valuent la fr\u00e9quence plus que le montant. Deux petits sinistres en cinq ans peuvent faire augmenter la prime davantage qu\u2019un sinistre majeur isol\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">6. Augmentation des garanties optionnelles<\/h2>\n\n\n\n<p>Avec l\u2019\u00e9volution du climat et des conditions de vie, plusieurs propri\u00e9taires ajoutent des protections :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>d\u00e9g\u00e2ts d\u2019eau (infiltration, refoulement)<\/li>\n\n\n\n<li>bris d\u2019\u00e9quipement<\/li>\n\n\n\n<li>dommages aux bornes de recharge \u00e9lectrique<\/li>\n\n\n\n<li>piscines, spas, annexes ext\u00e9rieures<\/li>\n<\/ul>\n\n\n\n<p>Chaque ajout augmente la prime, mais r\u00e9duit le risque financier en cas de sinistre.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Comment r\u00e9duire ou mieux contr\u00f4ler sa prime<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Action recommand\u00e9e<\/th><th>Impact potentiel<\/th><\/tr><\/thead><tbody><tr><td>Augmenter sa franchise<\/td><td>Prime annuelle r\u00e9duite<\/td><\/tr><tr><td>Installer d\u00e9tecteurs d\u2019eau \/ alarme certifi\u00e9e<\/td><td>Rabais selon assureur<\/td><\/tr><tr><td>Moderniser toiture, \u00e9lectricit\u00e9, plomberie<\/td><td>Baisse du risque d\u00e9clar\u00e9<\/td><\/tr><tr><td>\u00c9viter de d\u00e9clarer les sinistres mineurs<\/td><td>Maintien d\u2019un bon dossier<\/td><\/tr><tr><td>Revoir annuellement la couverture<\/td><td>\u00c9viter d\u2019\u00eatre sur ou sous-assur\u00e9<\/td><\/tr><tr><td>Comparer plusieurs assureurs<\/td><td>Diff\u00e9rences importantes selon profil<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Ce qu\u2019Assurances Simon recommande \u00e0 ses clients<\/h2>\n\n\n\n<p>En tant que <a href=\"https:\/\/assurances-simon.com\/fr\/assurance-habitation\/\">courtier ind\u00e9pendant<\/a>, notre r\u00f4le est de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Analyser votre b\u00e2timent<\/strong> selon sa valeur de reconstruction r\u00e9elle<\/li>\n\n\n\n<li><strong>\u00c9valuer s\u2019il est pertinent d\u2019ajuster ou retirer certaines garanties<\/strong><\/li>\n\n\n\n<li><strong>Proposer des solutions de pr\u00e9vention<\/strong> (installation, r\u00e9novation, s\u00e9curit\u00e9 habitation)<\/li>\n\n\n\n<li><strong>Comparer les offres au moment du renouvellement<\/strong> aupr\u00e8s de plusieurs assureurs<\/li>\n\n\n\n<li><strong>Expliquer clairement chaque changement appliqu\u00e9 \u00e0 votre prime<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Nous travaillons pour vous, pas pour un assureur. Notre objectif : optimiser votre protection tout en ma\u00eetrisant votre co\u00fbt annuel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">En r\u00e9sum\u00e9<\/h2>\n\n\n\n<p>\u2714\ufe0f Les hausses actuelles sont principalement li\u00e9es \u00e0 l\u2019augmentation du co\u00fbt de reconstruction, aux \u00e9v\u00e9nements climatiques et \u00e0 l\u2019inflation.<br>\u2714\ufe0f Le Qu\u00e9bec n\u2019est pas la province la plus touch\u00e9e &#8211; mais Montr\u00e9al-centre et certaines r\u00e9gions \u00e0 risque subissent des hausses sup\u00e9rieures \u00e0 la moyenne.<br>\u2714\ufe0f De bonnes d\u00e9cisions d\u2019entretien, de pr\u00e9vention et de gestion du dossier d\u2019assurance permettent de limiter l\u2019impact sur votre prime.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vous voulez parler de votre police d\u2019assurance habitation?<\/h3>\n\n\n\n<p>\ud83d\udcde <a href=\"tel:5148818885\">514 881-8885<\/a><br>\ud83d\udccd 8490 Rue Saint-Hubert, Montr\u00e9al, QC, H2P 1Z5<br>\ud83d\udcac <a href=\"https:\/\/assurances-simon.com\/fr\/contactez-nous\/\">Consultation sans frais<\/a> &#8211; r\u00e9vision ou optimisation de votre couverture<\/p>\n\n\n\n<p><em>Parce que bien s\u2019assurer, c\u2019est aussi bien comprendre.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les propri\u00e9taires au Qu\u00e9bec constatent une hausse des primes d\u2019assurance habitation, m\u00eame sans sinistre. Le co\u00fbt de reconstruction, les conditions climatiques et l\u2019inflation influencent directement votre prime. D\u00e9couvrez ce qui explique cette augmentation et comment prot\u00e9ger votre maison tout en ma\u00eetrisant vos co\u00fbts avec l\u2019accompagnement d\u2019un courtier sp\u00e9cialis\u00e9.<\/p>\n","protected":false},"author":3,"featured_media":2061,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","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":"","ast-disable-related-posts":"","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":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"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":""},"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":""}},"footnotes":""},"categories":[34],"tags":[],"class_list":["post-2060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-habitation"],"_links":{"self":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/2060","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/comments?post=2060"}],"version-history":[{"count":2,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/2060\/revisions"}],"predecessor-version":[{"id":2070,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/posts\/2060\/revisions\/2070"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/media\/2061"}],"wp:attachment":[{"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/media?parent=2060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/categories?post=2060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/assurances-simon.com\/fr\/wp-json\/wp\/v2\/tags?post=2060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}