{"id":46226,"date":"2026-04-22T12:41:10","date_gmt":"2026-04-22T10:41:10","guid":{"rendered":"https:\/\/mysavings.be\/?post_type=silo&#038;p=46226"},"modified":"2026-04-22T12:41:10","modified_gmt":"2026-04-22T10:41:10","slug":"quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/assurance-incendie\/article\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\/","title":{"rendered":"Qu\u2019est-ce que la sous-assurance et pourquoi est-ce un probl\u00e8me ?"},"content":{"rendered":"<p>La sous-assurance signifie que votre habitation ou votre contenu est assur\u00e9 pour un montant trop faible. En cas de sinistre, la r\u00e8gle proportionnelle peut alors \u00eatre appliqu\u00e9e, de sorte que vous ne serez indemnis\u00e9 que pour une partie du dommage.<br \/>\nExemple : votre habitation vaut 500.000 euros, mais vous ne l\u2019assurez que pour 400.000 euros. Vous n\u2019assurez donc que 80 % de sa valeur. Si vous subissez un dommage de 50.000 euros, l\u2019assureur ne versera alors que 40.000 euros (80 %).<\/p>\n<p>Le risque de sous-assurance r\u00e9sulte souvent d\u2019une mauvaise \u00e9valuation de la valeur ou de donn\u00e9es obsol\u00e8tes. V\u00e9rifiez r\u00e9guli\u00e8rement votre assurance incendie afin de contr\u00f4ler si les montants assur\u00e9s sont toujours corrects. Pr\u00e9venez \u00e9galement toujours votre courtier si vous r\u00e9novez ou transformez votre habitation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La sous-assurance signifie que votre habitation ou votre contenu est assur\u00e9 pour un montant trop faible. En cas de sinistre, la r\u00e8gle proportionnelle peut alors \u00eatre appliqu\u00e9e, de sorte que vous ne serez indemnis\u00e9 que pour une partie du dommage. Exemple : votre habitation vaut 500.000 euros, mais vous ne l\u2019assurez que pour 400.000 euros. [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":0,"template":"","class_list":["post-46226","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qu\u2019est-ce que la sous-assurance et pourquoi est-ce un probl\u00e8me ? - MySavings<\/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:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/assurance-incendie\/article\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u2019est-ce que la sous-assurance et pourquoi est-ce un probl\u00e8me ? - MySavings\" \/>\n<meta property=\"og:description\" content=\"La sous-assurance signifie que votre habitation ou votre contenu est assur\u00e9 pour un montant trop faible. En cas de sinistre, la r\u00e8gle proportionnelle peut alors \u00eatre appliqu\u00e9e, de sorte que vous ne serez indemnis\u00e9 que pour une partie du dommage. Exemple : votre habitation vaut 500.000 euros, mais vous ne l\u2019assurez que pour 400.000 euros. [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/assurance-incendie\/article\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\/\" \/>\n<meta property=\"og:site_name\" content=\"MySavings\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MySavings.be\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture est.\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/nos-produits\\\/s-assurer\\\/assurance-incendie\\\/article\\\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\\\/\",\"url\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/nos-produits\\\/s-assurer\\\/assurance-incendie\\\/article\\\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\\\/\",\"name\":\"Qu\u2019est-ce que la sous-assurance et pourquoi est-ce un probl\u00e8me ? - MySavings\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#website\"},\"datePublished\":\"2026-04-22T10:41:10+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/nos-produits\\\/s-assurer\\\/assurance-incendie\\\/article\\\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\\\/#breadcrumb\"},\"inLanguage\":\"fr-BE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/mysavings.be\\\/fr\\\/nos-produits\\\/s-assurer\\\/assurance-incendie\\\/article\\\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/nos-produits\\\/s-assurer\\\/assurance-incendie\\\/article\\\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/accueil\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Qu\u2019est-ce que la sous-assurance et pourquoi est-ce un probl\u00e8me ?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/\",\"name\":\"MySavings\",\"description\":\"Le meilleur choix pour votre assurance-vie\\\/pension\",\"publisher\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-BE\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#organization\",\"name\":\"MySavings\",\"url\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-BE\",\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/mysavings.be\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/mysavings.svg\",\"contentUrl\":\"https:\\\/\\\/mysavings.be\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/mysavings.svg\",\"width\":219,\"height\":132,\"caption\":\"MySavings\"},\"image\":{\"@id\":\"https:\\\/\\\/mysavings.be\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/MySavings.be\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/mysavings\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Qu\u2019est-ce que la sous-assurance et pourquoi est-ce un probl\u00e8me ? - MySavings","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/assurance-incendie\/article\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\/","og_locale":"fr_FR","og_type":"article","og_title":"Qu\u2019est-ce que la sous-assurance et pourquoi est-ce un probl\u00e8me ? - MySavings","og_description":"La sous-assurance signifie que votre habitation ou votre contenu est assur\u00e9 pour un montant trop faible. En cas de sinistre, la r\u00e8gle proportionnelle peut alors \u00eatre appliqu\u00e9e, de sorte que vous ne serez indemnis\u00e9 que pour une partie du dommage. Exemple : votre habitation vaut 500.000 euros, mais vous ne l\u2019assurez que pour 400.000 euros. [&hellip;]","og_url":"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/assurance-incendie\/article\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\/","og_site_name":"MySavings","article_publisher":"https:\/\/www.facebook.com\/MySavings.be","twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture est.":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/assurance-incendie\/article\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\/","url":"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/assurance-incendie\/article\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\/","name":"Qu\u2019est-ce que la sous-assurance et pourquoi est-ce un probl\u00e8me ? - MySavings","isPartOf":{"@id":"https:\/\/mysavings.be\/fr\/#website"},"datePublished":"2026-04-22T10:41:10+00:00","breadcrumb":{"@id":"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/assurance-incendie\/article\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\/#breadcrumb"},"inLanguage":"fr-BE","potentialAction":[{"@type":"ReadAction","target":["https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/assurance-incendie\/article\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/assurance-incendie\/article\/quest-ce-que-la-sous-assurance-et-pourquoi-est-ce-un-probleme\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/mysavings.be\/fr\/accueil\/"},{"@type":"ListItem","position":2,"name":"Qu\u2019est-ce que la sous-assurance et pourquoi est-ce un probl\u00e8me ?"}]},{"@type":"WebSite","@id":"https:\/\/mysavings.be\/fr\/#website","url":"https:\/\/mysavings.be\/fr\/","name":"MySavings","description":"Le meilleur choix pour votre assurance-vie\/pension","publisher":{"@id":"https:\/\/mysavings.be\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/mysavings.be\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-BE"},{"@type":"Organization","@id":"https:\/\/mysavings.be\/fr\/#organization","name":"MySavings","url":"https:\/\/mysavings.be\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-BE","@id":"https:\/\/mysavings.be\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/mysavings.be\/wp-content\/uploads\/2021\/03\/mysavings.svg","contentUrl":"https:\/\/mysavings.be\/wp-content\/uploads\/2021\/03\/mysavings.svg","width":219,"height":132,"caption":"MySavings"},"image":{"@id":"https:\/\/mysavings.be\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MySavings.be","https:\/\/www.linkedin.com\/company\/mysavings"]}]}},"_links":{"self":[{"href":"https:\/\/mysavings.be\/fr\/wp-json\/wp\/v2\/silo\/46226","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mysavings.be\/fr\/wp-json\/wp\/v2\/silo"}],"about":[{"href":"https:\/\/mysavings.be\/fr\/wp-json\/wp\/v2\/types\/silo"}],"wp:attachment":[{"href":"https:\/\/mysavings.be\/fr\/wp-json\/wp\/v2\/attachment?parent=46226"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}