{"id":1547,"date":"2026-06-08T14:15:58","date_gmt":"2026-06-08T14:15:58","guid":{"rendered":"https:\/\/la-turquoise.dev-1.hamakmarketingnumerique.com\/?post_type=program&#038;p=1547"},"modified":"2026-08-24T21:03:13","modified_gmt":"2026-08-24T21:03:13","slug":"immobilier-coproprietes-et-proprietaires-fonciers","status":"publish","type":"program","link":"https:\/\/www.laturquoise.ca\/fr\/programmes\/immobilier-coproprietes-et-proprietaires-fonciers\/","title":{"rendered":"Immobilier, copropri\u00e9t\u00e9s et propri\u00e9taires fonciers"},"content":{"rendered":"\n<section class=\"personal-hero reveal\">\n    <div class=\"personal-hero__wrapper container\">\n        <div class=\"personal-hero__media\" aria-hidden=\"true\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"836\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2200182361.jpg\" class=\"img-cover\" alt=\"Professionnels de l\u2019immobilier consultant des documents devant un immeuble commercial. Situation li\u00e9e \u00e0 l\u2019assurance immeuble et \u00e0 la responsabilit\u00e9 civile des propri\u00e9taires fonciers au Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2200182361.jpg 1254w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2200182361-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2200182361-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2200182361-768x512.jpg 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/>        <\/div>\n\n        <div class=\"personal-hero__content\">\n                                                <p class=\"personal-hero__subtitle anim anim-fade-right\">\n                        Immobilier et copropri\u00e9t\u00e9s                    <\/p>\n                \n                                    <h1 class=\"personal-hero__title anim anim-fade-right\">\n                        Assurance pour les immeubles, copropri\u00e9t\u00e9s et propri\u00e9taires fonciers au Qu\u00e9bec                    <\/h1>\n                            \n                            <div class=\"personal-hero__actions anim anim-fade-right\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Obtenir une soumission        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contactez-nous pour une soumission            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-green\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"mailto:cde@laturquoise.ca\" class=\"cta-dropdown__link btn btn--green\" aria-label=\"cde@laturquoise.ca\"><span>cde@laturquoise.ca<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                    \n                    <a href=\"https:\/\/laturquoise.ca\/fr\/reclamations\/\" class=\"personal-hero__link btn btn--green\" aria-label=\"Faire une r\u00e9clamation\"><span>Faire une r\u00e9clamation<\/span><\/a>                <\/div>\n            \n                            <button class=\"personal-hero__info anim anim-fade-up\" type=\"button\" aria-haspopup=\"dialog\"\n                        aria-controls=\"personal-hero-info-modal\" data-personal-hero-info-modal-trigger>\n                    <svg class=\"personal-hero__info-icon\" aria-hidden=\"true\" width=\"22\" height=\"22\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#info\"\/>\n                    <\/svg>\n\n                    <span>Informations \u00e0 avoir en main<\/span>\n                <\/button>\n                    <\/div>\n    <\/div>\n\n    \n            <div class=\"personal-hero__info-modal hero-info-modal\" id=\"personal-hero-info-modal\" role=\"dialog\" aria-modal=\"true\" aria-label=\"Informations \u00e0 avoir en main\" hidden data-personal-hero-info-modal>\n            <div class=\"hero-info-modal__overlay\" data-personal-hero-info-modal-close><\/div>\n\n            <div class=\"hero-info-modal__dialog\">\n                <div class=\"hero-info-modal__top\">\n                    <p class=\"hero-info-modal__label\">\n                        Informations \u00e0 avoir en main                    <\/p>\n\n                    <button class=\"hero-info-modal__close\" type=\"button\" aria-label=\"Fermer\" data-personal-hero-info-modal-close>\n                        <svg class=\"hero-info-modal__close-icon\" aria-hidden=\"true\" width=\"23\" height=\"23\">\n                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#burger-close\"\/>\n                        <\/svg>\n                    <\/button>\n                <\/div>\n\n                <div class=\"hero-info-modal__content wysiwyg\">\n                    <p>Pour nous aider \u00e0 pr\u00e9parer efficacement votre soumission d\u2019assurance immobili\u00e8re ou de copropri\u00e9t\u00e9, voici les informations qu\u2019il est utile d\u2019avoir sous la main.<\/p>\n<p>Les d\u00e9tails demand\u00e9s peuvent varier selon le b\u00e2timent, son usage, l\u2019occupation et la structure de propri\u00e9t\u00e9. Ils peuvent aussi d\u00e9pendre des obligations du syndicat, de la p\u00e9riode de vacance, des revenus locatifs, de l\u2019historique de r\u00e9clamations et des exigences de l\u2019assureur.<\/p>\n<p><strong>Pour tous les types d\u2019assurance<\/strong><\/p>\n<ul>\n<li>La date d\u2019entr\u00e9e en vigueur souhait\u00e9e<\/li>\n<li>Le nom de votre assureur actuel, si vous \u00eates d\u00e9j\u00e0 assur\u00e9<\/li>\n<li>Votre police d\u2019assurance actuelle, si vous en avez une<\/li>\n<li>Votre historique de r\u00e9clamations, y compris les d\u00e9g\u00e2ts d\u2019eau, incendies, r\u00e9clamations en responsabilit\u00e9, p\u00e9riodes de vacance ou r\u00e9parations majeures r\u00e9centes<\/li>\n<\/ul>\n<p><strong>Votre immeuble ou b\u00e2timent<\/strong><\/p>\n<ul>\n<li>Le type de b\u00e2timent comme un immeuble \u00e0 logements, un immeuble mixte, un local commercial, un \u00e9difice \u00e0 bureaux, un b\u00e2timent vacant ou un terrain destin\u00e9 \u00e0 la construction<\/li>\n<li>L\u2019adresse, l\u2019ann\u00e9e de construction, le type de construction, le nombre d\u2019\u00e9tages, la superficie, le type de toiture et l\u2019usage du b\u00e2timent<\/li>\n<li>Le nombre d\u2019unit\u00e9s ou de locaux, et la proportion occup\u00e9e ou vacante<\/li>\n<li>Le co\u00fbt de reconstruction estim\u00e9 ou la plus r\u00e9cente \u00e9valuation professionnelle, si disponible<\/li>\n<li>Les revenus locatifs pr\u00e9vus et les espaces lou\u00e9s, vacants, saisonniers ou offerts en location de courte dur\u00e9e<\/li>\n<li>L\u2019\u00e2ge du b\u00e2timent et l\u2019\u00e9tat des syst\u00e8mes principaux, dont la toiture, la plomberie, l\u2019\u00e9lectricit\u00e9, le chauffage, les chauffe-eaux et les ascenseurs. Cela inclut aussi les gicleurs, les alarmes et les syst\u00e8mes de protection incendie.<\/li>\n<li>La pr\u00e9sence de foyers, chemin\u00e9es, r\u00e9servoirs de mazout, r\u00e9servoirs souterrains, mati\u00e8res dangereuses ou pr\u00e9occupations environnementales connues<\/li>\n<li>Les r\u00e9novations, r\u00e9parations majeures, p\u00e9riodes de vacances, changements d\u2019usage, travaux de locataires ou travaux de construction pr\u00e9vus<\/li>\n<li>Les ententes de gestion, proc\u00e9dures d\u2019entretien, contrats de d\u00e9neigement, calendriers d\u2019inspection ou ententes avec des entrepreneurs<\/li>\n<\/ul>\n<p><strong>Votre syndicat de copropri\u00e9t\u00e9 (SDC)<\/strong><\/p>\n<ul>\n<li>Le nombre d\u2019unit\u00e9s au total, le nombre d\u2019unit\u00e9s lou\u00e9es et le type de copropri\u00e9t\u00e9 : r\u00e9sidentielle, commerciale ou mixte<\/li>\n<li>La d\u00e9claration de copropri\u00e9t\u00e9, les r\u00e8glements, la description des parties privatives et les r\u00e8gles disponibles sur l\u2019assurance ou la r\u00e9partition des franchises<\/li>\n<li>La disponibilit\u00e9 d\u2019une \u00e9valuation professionnelle du b\u00e2timent et sa date<\/li>\n<li>L\u2019existence d\u2019un fonds de pr\u00e9voyance et d\u2019un fonds d\u2019autoassurance ainsi que les franchises actuelles<\/li>\n<li>La pr\u00e9sence d\u2019espaces communs ou d\u2019\u00e9quipements partag\u00e9s, comme le stationnement int\u00e9rieur, les ascenseurs, la piscine, le gym et les salles m\u00e9caniques. Cela inclut aussi les terrasses sur le toit, les espaces de rangement ou les locaux commerciaux.<\/li>\n<li>Les noms ou r\u00f4les des administrateurs, du gestionnaire et des personnes responsables de la gestion ou de l\u2019exploitation de la copropri\u00e9t\u00e9<\/li>\n<li>Les r\u00e9clamations r\u00e9centes, d\u00e9g\u00e2ts d\u2019eau, r\u00e9parations majeures, probl\u00e8mes d\u2019enveloppe du b\u00e2timent ou enjeux d\u2019entretien connus<\/li>\n<\/ul>\n<p><em>Plus nos courtiers ont d\u2019information, mieux ils peuvent pr\u00e9parer le dossier<\/em><em> et rep\u00e9rer les enjeux de souscription importants<\/em><em>. Ils peuvent aussi comparer les options disponibles<\/em><em> selon le b\u00e2timent, l\u2019occupation, <\/em><em>les obligations du syndicat, la vacance, la responsabilit\u00e9 civile et <\/em><em>les exigences de l\u2019assureur.<\/em><\/p>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n<section class=\"personal-products container reveal\">\n            <h2 class=\"personal-products__title title-l anim anim-fade-up\">\n            Votre profil en immobilier et copropri\u00e9t\u00e9        <\/h2>\n    \n            <ul class=\"personal-products__list\">\n                            \n                <li class=\"personal-products__item anim anim-fade-up\">\n                    <a class=\"personal-products__item-link\" href=\"#protections\">\n                        \n                                                    <div class=\"personal-products__item-content wysiwyg\">\n                                <h3><strong>Propri\u00e9taires fonciers et immeubles locatifs<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Immeuble \u00e0 logements, locaux commerciaux ou \u00e9difice \u00e0 bureaux. Des protections adapt\u00e9es \u00e0 la valeur de votre b\u00e2timent et \u00e0 vos revenus locatifs.<\/span><\/p>\n                            <\/div>\n                        \n                        <svg class=\"personal-products__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                        <\/svg>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"personal-products__item anim anim-fade-up\">\n                    <a class=\"personal-products__item-link\" href=\"#protections\">\n                        \n                                                    <div class=\"personal-products__item-content wysiwyg\">\n                                <h3><strong>Syndicats de copropri\u00e9t\u00e9\u00a0<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Parties communes, obligations l\u00e9gales, fonds de pr\u00e9voyance. Des couvertures qui tiennent compte des particularit\u00e9s des syndicats de copropri\u00e9t\u00e9 au Qu\u00e9bec.\u00a0<\/span><\/p>\n                            <\/div>\n                        \n                        <svg class=\"personal-products__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                        <\/svg>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"personal-products__item anim anim-fade-up\">\n                    <a class=\"personal-products__item-link\" href=\"#protections\">\n                        \n                                                    <div class=\"personal-products__item-content wysiwyg\">\n                                <h3><strong>B\u00e2timents vacants<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">Un b\u00e2timent inoccup\u00e9 reste expos\u00e9 aux risques. Vandalisme, gel, d\u00e9t\u00e9rioration : une couverture adapt\u00e9e \u00e0 la p\u00e9riode de vacances.<\/span><b>\u00a0<\/b><\/p>\n                            <\/div>\n                        \n                        <svg class=\"personal-products__item-arrow\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                        <\/svg>\n                    <\/a>\n                <\/li>\n                    <\/ul>\n    <\/section>\n\n\n<section class=\"program-coverage program-coverage--accordeons container reveal\">\n    <div class=\"program-coverage__container anim anim-fade-up\">\n        <div class=\"program-coverage__media anim anim-fade-left\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"836\" height=\"1254\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2205618174.jpg\" class=\"program-coverage__image\" alt=\"Analyse d\u2019un projet immobilier autour de maquettes d\u2019immeubles et de documents financiers. Contexte li\u00e9 \u00e0 l\u2019assurance immeuble et \u00e0 la responsabilit\u00e9 civile des propri\u00e9taires fonciers au Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2205618174.jpg 836w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2205618174-200x300.jpg 200w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2205618174-683x1024.jpg 683w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-2205618174-768x1152.jpg 768w\" sizes=\"auto, (max-width: 836px) 100vw, 836px\" title=\"Analyse d\u2019un projet immobilier autour de maquettes d\u2019immeubles et de documents financiers. Contexte li\u00e9 \u00e0 l\u2019assurance immeuble et \u00e0 la responsabilit\u00e9 civile des propri\u00e9taires fonciers au Qu\u00e9bec.\" \/>        <\/div>\n\n        <div class=\"program-coverage__content anim anim-fade-right\">\n                            <div class=\"program-coverage__text wysiwyg\">\n                    <h2>L\u2019assurance pour les immeubles, copropri\u00e9t\u00e9s et propri\u00e9taires fonciers, selon la r\u00e9alit\u00e9 de votre entreprise<\/h2>\n<p><span style=\"font-weight: 400\">Le secteur immobilier regroupe des profils tr\u00e8s diff\u00e9rents. Un syndicat de copropri\u00e9t\u00e9, un propri\u00e9taire d\u2019immeuble locatif et un d\u00e9tenteur de b\u00e2timent commercial n\u2019ont pas les m\u00eames obligations ni les m\u00eames risques. Ce qu\u2019ils partagent: un b\u00e2timent \u00e0 entretenir, des tiers qui y circulent, et un patrimoine \u00e0 prot\u00e9ger.<\/span><\/p>\n<p>Un courtier de La Turquoise peut examiner votre b\u00e2timent, votre structure de propri\u00e9t\u00e9, l\u2019occupation, vos obligations et vos besoins d\u2019assurance. Il peut aussi vous aider \u00e0 comparer les options disponibles au Qu\u00e9bec.<\/p>\n<p><em>Cette comparaison d\u00e9pend des conditions, exclusions, limites, franchises et crit\u00e8res d\u2019admissibilit\u00e9 des assureurs.<\/em><\/p>\n                <\/div>\n            \n                            <div class=\"program-coverage__faq faq__list\">\n                    \n                                            \n                        \n                        <div class=\"faq__item faq-item\" data-faq-item>\n                                                            <h4 class=\"faq-item__question title-s\">\n                                    <button class=\"faq-item__trigger\" type=\"button\" id=\"prog-coverage-acc-faq-trigger-0\"\n                                            aria-expanded=\"false\" aria-controls=\"prog-coverage-acc-faq-panel-0\">\n                                        <span>Les types d\u2019entreprises couverts<\/span>\n\n                                        <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/button>\n                                <\/h4>\n                            \n                                                            <div class=\"faq-item__answer-wrap\" id=\"prog-coverage-acc-faq-panel-0\" role=\"region\"\n                                                                                    aria-labelledby=\"prog-coverage-acc-faq-trigger-0\"\n                                        >\n                                    <div class=\"faq-item__answer wysiwyg\">\n                                                                                    <ul>\n<li><span style=\"font-weight: 400\">Propri\u00e9taire d&rsquo;immeuble \u00e0 logements de plus de six unit\u00e9s r\u00e9sidentielles<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Propri\u00e9taire de locaux commerciaux ou d\u2019\u00e9difice \u00e0 bureaux<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Propri\u00e9taire de b\u00e2timent vacant en transition ou en attente de projet<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Propri\u00e9taire de terrain en vue de construction<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Syndicat de copropri\u00e9t\u00e9 (SDC) r\u00e9sidentiel ou commercial <\/span><i><span style=\"font-weight: 400\">(copropri\u00e9taire individuel\u2009? Consultez notre page <\/span><\/i><a href=\"#\"><b><i>d\u2019Assurance pour les condos et copropri\u00e9taires<\/i><\/b><\/a><i>)<br \/>\n<\/i><\/li>\n<\/ul>\n<p><i>Votre immeuble compte six logements ou moins ? Si votre b\u00e2timent est enti\u00e8rement r\u00e9sidentiel, <a href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/habitation\/\"><b>consultez notre page Assurance habitation pour propri\u00e9taires<\/b><\/a>. La pr\u00e9sence d&rsquo;un local commercial vous place dans la cat\u00e9gorie commerciale, peu importe le nombre de logements.<\/i><\/p>\n                                        \n                                        \n                                                                            <\/div>\n                                <\/div>\n                                                    <\/div>\n                                            \n                        \n                        <div class=\"faq__item faq-item\" data-faq-item>\n                                                            <h4 class=\"faq-item__question title-s\">\n                                    <button class=\"faq-item__trigger\" type=\"button\" id=\"prog-coverage-acc-faq-trigger-1\"\n                                            aria-expanded=\"false\" aria-controls=\"prog-coverage-acc-faq-panel-1\">\n                                        <span>Les r\u00e9alit\u00e9s communes \u00e0 ce secteur<\/span>\n\n                                        <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/button>\n                                <\/h4>\n                            \n                                                            <div class=\"faq-item__answer-wrap\" id=\"prog-coverage-acc-faq-panel-1\" role=\"region\"\n                                                                                    aria-labelledby=\"prog-coverage-acc-faq-trigger-1\"\n                                        >\n                                    <div class=\"faq-item__answer wysiwyg\">\n                                                                                    <ul>\n<li><span style=\"font-weight: 400\">Le b\u00e2timent repr\u00e9sente un actif important, souvent sous-\u00e9valu\u00e9 par rapport au co\u00fbt r\u00e9el de reconstruction<\/span><\/li>\n<li><span style=\"font-weight: 400\">Des tiers circulent r\u00e9guli\u00e8rement dans vos b\u00e2timents : locataires, acheteurs potentiels, entrepreneurs ou repr\u00e9sentants de services. Leur pr\u00e9sence engage votre responsabilit\u00e9 en tant que propri\u00e9taire.<\/span><\/li>\n<li><span style=\"font-weight: 400\">Les \u00e9quipements m\u00e9caniques (tels que le chauffe-eau, syst\u00e8mes de chauffage, plomberie) exposent le b\u00e2timent \u00e0 des risques de d\u00e9g\u00e2ts d\u2019eau<\/span><\/li>\n<li><span style=\"font-weight: 400\">Un b\u00e2timent vacant pr\u00e9sente des risques accrus\u00a0: vandalisme, gel, d\u00e9t\u00e9rioration progressive<\/span><\/li>\n<li><span style=\"font-weight: 400\">Les syndicats de copropri\u00e9t\u00e9 font face \u00e0 des obligations l\u00e9gales en mati\u00e8re d\u2019assurance depuis l\u2019entr\u00e9e en vigueur du projet de loi\u00a0141<\/span><\/li>\n<\/ul>\n                                        \n                                        \n                                                                            <\/div>\n                                <\/div>\n                                                    <\/div>\n                                    <\/div>\n            \n                            <div class=\"program-coverage__actions\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--turquoise\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Contacter un courtier        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contactez-nous pour une submission            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/fr\/nous-joindre\/\" class=\"cta-dropdown__link btn btn--green-outlined-white\" aria-label=\"Formulaire de contact\"><span>Formulaire de contact<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n\n<section id=\"protections\" class=\"product-protections container reveal\">\n            <div class=\"product-protections__content wysiwyg anim anim-fade-up\">\n            <h2>Les protections d\u2019assurance communes aux propri\u00e9taires d\u2019immeubles au Qu\u00e9bec<\/h2>\n<p>Ces cat\u00e9gories de protections peuvent r\u00e9pondre \u00e0 des risques courants pour les propri\u00e9taires d\u2019immeubles locatifs, commerciaux ou \u00e0 bureaux au Qu\u00e9bec. Elles varient selon le b\u00e2timent, l\u2019occupation, le libell\u00e9 de la police, les limites, franchises et exclusions. Les crit\u00e8res d\u2019admissibilit\u00e9 de l\u2019assureur s\u2019appliquent aussi.<\/p>\n        <\/div>\n    \n            <div class=\"product-protections__columns product-protections__columns--split\">\n                            \n                <div class=\"product-protections__column\">\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protections-1\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protections-trigger-1\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protections-panel-1\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>Le b\u00e2timent<\/strong><\/h3>\n<p>L\u2019assurance du b\u00e2timent peut s\u2019appliquer lorsqu\u2019un immeuble assur\u00e9 est endommag\u00e9 par un sinistre couvert. Cela peut inclure un incendie, une temp\u00eate, du vandalisme ou un d\u00e9g\u00e2t d\u2019eau. La protection d\u00e9pend de la formule choisie et du libell\u00e9 de la police. Votre b\u00e2timent doit \u00eatre assur\u00e9 selon son co\u00fbt de reconstruction, et non \u00e0 sa valeur marchande. Une sous-assurance peut avoir des cons\u00e9quences importantes au moment d\u2019un sinistre majeur.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protections-panel-1\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protections-trigger-1\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un incendie d\u00e9truit partiellement un immeuble \u00e0 logements<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Une temp\u00eate endommage la toiture d\u2019un \u00e9difice \u00e0 bureaux<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Du mat\u00e9riel d\u2019entretien est vol\u00e9 dans la salle m\u00e9canique<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protections-3\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protections-trigger-3\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protections-panel-3\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>La panne de vos \u00e9quipements<\/strong><\/h3>\n<p>La protection contre le bris d\u2019\u00e9quipement peut aider \u00e0 payer certains frais de r\u00e9paration ou de remplacement admissibles. Elle vise les pannes soudaines d\u2019\u00e9quipements m\u00e9caniques, \u00e9lectriques, de chauffage, d\u2019ascenseur ou de chaudi\u00e8re. Elle peut aussi viser d\u2019autres \u00e9quipements du b\u00e2timent, selon la protection souscrite.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protections-panel-3\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protections-trigger-3\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Le syst\u00e8me de chauffage central tombe en panne en plein hiver<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un ascenseur subit une d\u00e9faillance m\u00e9canique dans un \u00e9difice \u00e0 bureaux<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un chauffe-eau d\u00e9fectueux cause des dommages avant d\u2019\u00eatre d\u00e9tect\u00e9<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protections-5\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protections-trigger-5\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protections-panel-5\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>Votre responsabilit\u00e9 envers les occupants et les tiers<\/strong><\/h3>\n<p>La responsabilit\u00e9 civile du propri\u00e9taire peut intervenir lorsqu\u2019une r\u00e9clamation all\u00e8gue des blessures, des dommages mat\u00e9riels ou d\u2019autres pr\u00e9judices couverts. Les r\u00e9clamations peuvent viser le b\u00e2timent, les lieux, l\u2019entretien, les aires communes, les locataires, les visiteurs ou des tiers.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protections-panel-5\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protections-trigger-5\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un locataire se blesse dans un escalier mal entretenu<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un visiteur glisse sur une entr\u00e9e non d\u00e9glac\u00e9e en hiver<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un tiers subit des dommages caus\u00e9s par une partie du b\u00e2timent en mauvais \u00e9tat<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                <div class=\"product-protections__column\">\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protections-2\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protections-trigger-2\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protections-panel-2\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>Les risques non couverts par une police standard<\/strong><\/h3>\n<p>Certains sinistres qui touchent les b\u00e2timents au Qu\u00e9bec peuvent \u00eatre limit\u00e9s ou exclus d\u2019une police standard. Une protection pr\u00e9cise peut \u00eatre requise. Le refoulement d\u2019\u00e9gout, l\u2019inondation, le tremblement de terre et certains d\u00e9g\u00e2ts d\u2019eau doivent \u00eatre v\u00e9rifi\u00e9s. L\u2019analyse d\u00e9pend du b\u00e2timent, de l\u2019emplacement, des exigences de l\u2019assureur et du libell\u00e9 de la police.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protections-panel-2\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protections-trigger-2\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Le refoulement d\u2019\u00e9gout inonde les unit\u00e9s du sous-sol d\u2019un immeuble locatif<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un tremblement de terre cause des fissures dans les fondations<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Une inondation atteint les locaux commerciaux du rez-de-chauss\u00e9e<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protections-4\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protections-trigger-4\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protections-panel-4\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>La perte de vos revenus locatifs<\/strong><\/h3>\n<p>La protection pour perte de revenus locatifs peut remplacer une partie des loyers perdus et certains frais connexes. Elle s\u2019applique lorsque des unit\u00e9s ou locaux sont inutilisables \u00e0 la suite d\u2019un sinistre couvert. Le d\u00e9lai d\u2019attente, la p\u00e9riode d\u2019indemnisation, les limites et le libell\u00e9 de la police s\u2019appliquent.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protections-panel-4\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protections-trigger-4\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un incendie force l\u2019\u00e9vacuation de plusieurs logements pendant les travaux<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des d\u00e9g\u00e2ts d\u2019eau rendent des locaux commerciaux inutilisables pendant plusieurs semaines<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des r\u00e9parations majeures retardent la relocation d\u2019unit\u00e9s vacantes<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protections-6\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protections-trigger-6\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protections-panel-6\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>La contamination de votre terrain<\/strong><\/h3>\n<p>Une protection environnementale ou pollution peut aider \u00e0 r\u00e9pondre \u00e0 certains frais de nettoyage, r\u00e9clamations de tiers ou frais connexes. Elle d\u00e9pend de la situation, de la cause du sinistre, du libell\u00e9, des limites, des exclusions et de l\u2019admissibilit\u00e9 de l\u2019assureur.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protections-panel-6\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protections-trigger-6\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Une fuite de mazout contamine le sol autour d\u2019un immeuble r\u00e9sidentiel<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un d\u00e9versement accidentel atteint un cours d\u2019eau \u00e0 proximit\u00e9 du terrain<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des travaux r\u00e9v\u00e8lent une contamination ant\u00e9rieure sur le terrain<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"cta-banner container reveal pt-0\">\n            <div class=\"cta-banner__content wysiwyg anim anim-fade-up\">\n            <h2>Trouver une assurance immobili\u00e8re pour votre b\u00e2timent au Qu\u00e9bec<\/h2>\n        <\/div>\n    \n            <div class=\"cta-banner__actions anim anim-fade-up\">\n                            <div class=\"cta-banner__action\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white-outlined-blue\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Obtenir une soumission        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contactez-nous pour une soumission            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-blue\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/fr\/nous-joindre\/\" class=\"cta-dropdown__link btn btn--blue-dark\" aria-label=\"Formulaire de contact\"><span>Formulaire de contact<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n            \n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"product-practices container reveal\" data-practice-block>\n            <div class=\"product-practices__content wysiwyg anim anim-fade-up\">\n            <h2><strong>Les protections propres aux syndicats de copropri\u00e9t\u00e9<\/strong><\/h2>\n<p>Un syndicat de copropri\u00e9t\u00e9 (SDC) a des obligations d\u2019assurance distinctes de celles d\u2019un copropri\u00e9taire individuel ou d\u2019un propri\u00e9taire foncier ordinaire. Les protections doivent tenir compte du b\u00e2timent, des parties communes, des parties privatives d\u2019origine et de la responsabilit\u00e9 des administrateurs. Elles doivent aussi consid\u00e9rer le fonds d\u2019autoassurance, les \u00e9valuations professionnelles, les franchises et la d\u00e9claration de copropri\u00e9t\u00e9.<\/p>\n        <\/div>\n    \n            <div class=\"product-practices__columns\" data-practice-columns>\n                            \n                <div class=\"product-practices__column\">\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"0\">\n                            <div class=\"product-practice-card__examples\" data-practice-item>\n                                                                    <button class=\"product-practice-card__examples-trigger\" type=\"button\"\n                                            id=\"practice-trigger-1\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"practice-panel-1\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3><strong>Le b\u00e2timent et les obligations l\u00e9gales du syndicat<\/strong><\/h3>\n<p>Le SDC doit assurer le b\u00e2timent selon son co\u00fbt de reconstruction. Cette protection inclut les parties communes et les parties privatives telles qu\u2019elles \u00e9taient \u00e0 l\u2019origine. Les am\u00e9liorations des copropri\u00e9taires doivent g\u00e9n\u00e9ralement \u00eatre couvertes par leur propre assurance. Une \u00e9valuation professionnelle est requise aux intervalles pr\u00e9vus. Le SDC doit aussi maintenir un fonds d\u2019autoassurance, selon les r\u00e8gles applicables et le libell\u00e9 de la police.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-practice-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-practice-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-practice-card__examples-wrap\"\n                                         id=\"practice-panel-1\"\n                                         role=\"region\"\n                                         aria-labelledby=\"practice-trigger-1\">\n                                        <div class=\"product-practice-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un sinistre majeur n\u00e9cessite la reconstruction partielle de l\u2019immeuble<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">La valeur du b\u00e2timent a augment\u00e9 depuis la derni\u00e8re \u00e9valuation professionnelle<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Le fonds d\u2019autoassurance est insuffisant pour couvrir la franchise au moment d\u2019un sinistre<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"1\">\n                            <div class=\"product-practice-card__examples\" data-practice-item>\n                                                                    <button class=\"product-practice-card__examples-trigger\" type=\"button\"\n                                            id=\"practice-trigger-4\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"practice-panel-4\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3><strong>La d\u00e9pollution des lieux<\/strong><\/h3>\n<p>Une protection environnementale ou pollution peut aider \u00e0 r\u00e9pondre \u00e0 certains frais de nettoyage ou r\u00e9clamations de tiers. Elle d\u00e9pend de la cause, de la situation, des limites, des exclusions et du libell\u00e9 de la police.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-practice-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-practice-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-practice-card__examples-wrap\"\n                                         id=\"practice-panel-4\"\n                                         role=\"region\"\n                                         aria-labelledby=\"practice-trigger-4\">\n                                        <div class=\"product-practice-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Une fuite dans la salle m\u00e9canique contamine le sol sous l\u2019immeuble<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des travaux dans les parties communes r\u00e9v\u00e8lent une contamination ant\u00e9rieure<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un d\u00e9versement accidentel affecte le terrain commun de la copropri\u00e9t\u00e9<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                <div class=\"product-practices__column\">\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"0\">\n                            <div class=\"product-practice-card__examples\" data-practice-item>\n                                                                    <button class=\"product-practice-card__examples-trigger\" type=\"button\"\n                                            id=\"practice-trigger-2\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"practice-panel-2\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3><strong>Les frais communautaires et de fiduciaire<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">En cas de sinistre majeur, le SDC peut engager des frais importants de coordination et de gestion. Le recours \u00e0 un fiduciaire d\u2019assurance est parfois exig\u00e9 par la d\u00e9claration de copropri\u00e9t\u00e9 ou par la convention de fiducie.<\/span><\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-practice-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-practice-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-practice-card__examples-wrap\"\n                                         id=\"practice-panel-2\"\n                                         role=\"region\"\n                                         aria-labelledby=\"practice-trigger-2\">\n                                        <div class=\"product-practice-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un sinistre majeur n\u00e9cessite la coordination des travaux pour l\u2019ensemble de l\u2019immeuble<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">La d\u00e9claration de copropri\u00e9t\u00e9 exige le recours \u00e0 un fiduciaire pour le r\u00e8glement<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des frais de gestion importants s\u2019accumulent pendant la p\u00e9riode de remise en \u00e9tat<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                <div class=\"product-practices__column\">\n                                            \n                        <div class=\"product-practices__card product-practice-card anim anim-fade-up\"\n                             data-practice-card\n                             data-practice-row=\"0\">\n                            <div class=\"product-practice-card__examples\" data-practice-item>\n                                                                    <button class=\"product-practice-card__examples-trigger\" type=\"button\"\n                                            id=\"practice-trigger-3\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"practice-panel-3\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-practice-card__examples-header\">\n                                                                            <h3><strong>La responsabilit\u00e9 des administrateurs du syndicat<\/strong><\/h3>\n<p>La responsabilit\u00e9 civile des administrateurs et dirigeants peut prot\u00e9ger les personnes vis\u00e9es par une r\u00e9clamation li\u00e9e \u00e0 leurs fonctions. Elle peut viser une erreur, une omission, une faute all\u00e9gu\u00e9e ou un manquement, selon le libell\u00e9 de la police.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-practice-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-practice-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-practice-card__examples-wrap\"\n                                         id=\"practice-panel-3\"\n                                         role=\"region\"\n                                         aria-labelledby=\"practice-trigger-3\">\n                                        <div class=\"product-practice-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un copropri\u00e9taire conteste une d\u00e9cision prise en assembl\u00e9e<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un fournisseur r\u00e9clame des dommages \u00e0 la suite d\u2019un contrat mal g\u00e9r\u00e9<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Une faute de gestion entra\u00eene une poursuite contre un membre du conseil<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n<section class=\"cta-banner container reveal\">\n            <div class=\"cta-banner__content wysiwyg anim anim-fade-up\">\n            <h2>R\u00e9viser les options d\u2019assurance pour votre b\u00e2timent ou votre syndicat de copropri\u00e9t\u00e9<\/h2>\n<p>Communiquez avec un courtier pour revoir les options selon votre b\u00e2timent, son occupation, vos revenus locatifs, vos obligations, la vacance et votre responsabilit\u00e9 civile.<\/p>\n        <\/div>\n    \n            <div class=\"cta-banner__actions anim anim-fade-up\">\n                            <div class=\"cta-banner__action\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white-outlined-blue\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Obtenir une soumission        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contactez-nous pour une soumission            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-blue\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"mailto:cde@laturquoise.ca\" class=\"cta-dropdown__link btn btn--blue-dark\" aria-label=\"cde@laturquoise.ca\"><span>cde@laturquoise.ca<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n            \n                            <div class=\"cta-banner__action\">\n                                            <a href=\"https:\/\/laturquoise.ca\/fr\/particuliers\/condos-et-coproprietaires\/\" class=\"cta-banner__link btn btn--blue-dark\" aria-label=\"Vous avez un condo?\"><span>Vous avez un condo?<\/span><\/a>                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n\n<section id=\"protections\" class=\"product-protections container reveal pt-0 pb-0\">\n            <div class=\"product-protections__content wysiwyg anim anim-fade-up\">\n            <h2>Les protections pour un b\u00e2timent vacant<\/h2>\n<p>Un b\u00e2timent inoccup\u00e9 et un b\u00e2timent vacant ne sont pas toujours trait\u00e9s de la m\u00eame fa\u00e7on. Un b\u00e2timent peut \u00eatre temporairement inoccup\u00e9 entre deux locataires, pendant des travaux ou avant l\u2019arriv\u00e9e d\u2019un nouvel occupant.<\/p>\n<p>Il peut \u00eatre consid\u00e9r\u00e9 vacant lorsqu\u2019il n\u2019est plus utilis\u00e9 selon son usage pr\u00e9vu. Cela peut inclure une vente, une r\u00e9novation, une d\u00e9molition, une conversion ou un changement d\u2019usage plus durable.<\/p>\n<p>Cette distinction est importante. Les protections, conditions et exigences des assureurs peuvent changer rapidement lorsqu\u2019un b\u00e2timent est vide ou peu utilis\u00e9.<\/p>\n        <\/div>\n    \n            <div class=\"product-protections__columns\">\n                            \n                <div class=\"product-protections__column\">\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protections-1\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protections-trigger-1\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protections-panel-1\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>La protection du b\u00e2timent et de son contenu<\/strong><\/h3>\n<p>La protection d\u00e9pend de la raison de l\u2019inoccupation, de sa dur\u00e9e pr\u00e9vue et de l\u2019usage attendu ensuite. Elle d\u00e9pend aussi du maintien du chauffage, des services, des alarmes, de la protection incendie et des inspections.<\/p>\n<p>Certains assureurs peuvent maintenir la couverture avec des conditions. D\u2019autres peuvent limiter la protection, exiger une police sp\u00e9cifique ou refuser de maintenir la couverture. Ils peuvent aussi l\u2019annuler, lorsque permis, avec l\u2019avis requis.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protections-panel-1\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protections-trigger-1\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un incendie endommage un b\u00e2timent commercial en attente de revente<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Du vandalisme cause des dommages importants pendant la p\u00e9riode d\u2019inoccupation<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Une accumulation de neige sur le toit cause des dommages structuraux<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protections-2\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protections-trigger-2\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protections-panel-2\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>Votre responsabilit\u00e9 envers les tiers<\/strong><\/h3>\n<p>M\u00eame vacant, un b\u00e2timent peut engager la responsabilit\u00e9 civile du propri\u00e9taire. Une r\u00e9clamation peut viser des blessures, des dommages mat\u00e9riels ou d\u2019autres pr\u00e9judices couverts, selon le libell\u00e9 de la police.<\/p>\n<p>L\u2019\u00e9tat du b\u00e2timent, du terrain, des acc\u00e8s, des trottoirs et des mesures de s\u00e9curit\u00e9 demeure important pendant toute la p\u00e9riode de vacances.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protections-panel-2\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protections-trigger-2\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Une personne non autoris\u00e9e entre dans le b\u00e2timent et se blesse<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Une partie de la structure se d\u00e9tache et endommage un bien voisin<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Un tiers glisse sur le terrain non entretenu en hiver<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                            \n                        <div class=\"product-protections__card product-protection-card anim anim-fade-up\"\n                             id=\"protections-3\">\n                            <div class=\"product-protection-card__examples\" data-protection-item>\n                                                                    <button class=\"product-protection-card__examples-trigger\" type=\"button\"\n                                            id=\"protections-trigger-3\"\n                                            aria-expanded=\"false\"\n                                            aria-controls=\"protections-panel-3\">\n                                        <span class=\"screen-reader-response\">\n                                            Exemples                                        <\/span>\n                                    <\/button>\n                                \n                                <div class=\"product-protection-card__examples-header\">\n                                                                            <h3><strong>La contamination du terrain<\/strong><\/h3>\n<p>Un b\u00e2timent vacant peut pr\u00e9senter des risques environnementaux. C\u2019est surtout le cas si des r\u00e9servoirs de mazout, \u00e9quipements, mati\u00e8res dangereuses ou biens entrepos\u00e9s restent sur place.<\/p>\n<p>Une protection environnementale ou pollution peut aider \u00e0 r\u00e9pondre \u00e0 certains frais de nettoyage ou r\u00e9clamations de tiers. Elle d\u00e9pend de la cause, des exclusions, des limites et du libell\u00e9 de la police.<\/p>\n                                    \n                                                                    <\/div>\n\n                                                                    <div class=\"product-protection-card__examples-more\" aria-hidden=\"true\">\n                                        <span>Exemples<\/span>\n\n                                        <svg class=\"product-protection-card__examples-icon\" aria-hidden=\"true\"\n                                             width=\"15\" height=\"8\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                        <\/svg>\n                                    <\/div>\n\n                                    <div class=\"product-protection-card__examples-wrap\"\n                                         id=\"protections-panel-3\"\n                                         role=\"region\"\n                                         aria-labelledby=\"protections-trigger-3\">\n                                        <div class=\"product-protection-card__examples-content wysiwyg\">\n                                            <ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Une fuite de mazout se produit pendant la p\u00e9riode d\u2019inoccupation<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des mati\u00e8res contaminantes laiss\u00e9es sur place affectent le sol ou l\u2019eau<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Des travaux pr\u00e9paratoires r\u00e9v\u00e8lent une contamination ant\u00e9rieure sur le terrain<\/span><\/li>\n<\/ul>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"cta-banner container reveal\">\n            <div class=\"cta-banner__content wysiwyg anim anim-fade-up\">\n            <h2>Demander une soumission pour un b\u00e2timent vacant au Qu\u00e9bec<\/h2>\n        <\/div>\n    \n            <div class=\"cta-banner__actions anim anim-fade-up\">\n                            <div class=\"cta-banner__action\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white-outlined-blue\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Obtenir une soumission        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n                    <p class=\"cta-dropdown__text\">\n                Contactez-nous pour une soumission            <\/p>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18332313757\" class=\"cta-dropdown__link btn btn--white-outlined-blue\" aria-label=\"1.833.231.3757\"><span>1.833.231.3757<\/span><\/a>                                    \n                    <a href=\"https:\/\/laturquoise.ca\/fr\/nous-joindre\/\" class=\"cta-dropdown__link btn btn--blue-dark\" aria-label=\"Formulaire de contact\"><span>Formulaire de contact<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n            \n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"personal-partners container reveal\">\n    <div class=\"personal-partners__media\" aria-hidden=\"true\">\n        <img src=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/decor\/dist\/personal-partners-bg.jpg\" width=\"4320\" height=\"1806\" alt=\"\" class=\"img-cover\" loading=\"lazy\" decoding=\"async\">    <\/div>\n\n    <div class=\"personal-partners-search anim anim-fade-up\" data-insurance-search>\n                    <div class=\"personal-partners-search__content wysiwyg\">\n                <h3><strong>Associations et programmes partenaires<\/strong><\/h3>\n<p><span style=\"font-weight: 400\">La Turquoise collabore avec plusieurs associations, regroupements professionnels et organisations afin d\u2019offrir des avantages \u00e0 leurs membres. Parcourez la liste pour voir les associations et programmes actuellement offerts.<\/span><\/p>\n            <\/div>\n        \n        \n        <div class=\"personal-partners-search__box\">\n            <button class=\"personal-partners-search__button\" id=\"personal-partners-search-trigger\" type=\"button\"\n                    aria-expanded=\"false\" aria-controls=\"personal-partners-search-panel\" data-insurance-search-trigger>\n                <span class=\"personal-partners-search__button-text\">\n                    Rechercher                <\/span>\n\n                <svg class=\"personal-partners-search__button-icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                <\/svg>\n            <\/button>\n\n                            <div class=\"personal-partners-search__dropdown\" id=\"personal-partners-search-panel\"\n                     data-insurance-search-panel>\n                    <div class=\"personal-partners-search__search\">\n                        <label class=\"personal-partners-search__input-label screen-reader-response\"\n                               for=\"personal-partners-search-input\">\n                            Rechercher                        <\/label>\n\n                        <div class=\"personal-partners-search__search-field\">\n                            <svg class=\"personal-partners-search__search-icon\" aria-hidden=\"true\" width=\"20\"\n                                 height=\"20\">\n                                <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#search\"\/>\n                            <\/svg>\n\n                            <input class=\"personal-partners-search__search-input\" id=\"personal-partners-search-input\"\n                                   type=\"search\" placeholder=\"Rechercher\"\n                                   data-insurance-search-input>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"personal-partners-search__groups\" data-insurance-search-groups>\n                                                    \n                            <details class=\"personal-partners-search__group\" data-insurance-search-group>\n                                                                    <summary class=\"personal-partners-search__group-title\">\n                                        Programme et rabais d\u2019affinit\u00e9s                                        <svg class=\"personal-partners-search__group-icon\" aria-hidden=\"true\"\n                                             width=\"6\" height=\"11\">\n                                            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron-prev\"\/>\n                                        <\/svg>\n                                    <\/summary>\n                                \n                                                                    <ul class=\"personal-partners-search__list\" id=\"personal-partners-search-panel-group-0\">\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/services-professionnels\/anges-quebec\/\"\n                                                   data-insurance-search-link>\n                                                    Anges Qu\u00e9bec                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/agricole-et-foresterie\/societe-internationale-darboriculture-quebec-siaq\/\"\n                                                   data-insurance-search-link>\n                                                    Arboriculteurs (Soci\u00e9t\u00e9 internationale d\u2019arboriculture Qu\u00e9bec &#8211; SIAQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/tourisme-hotellerie-et-voyage\/association-canadienne-des-agences-de-voyages-et-conseillers-de-voyages-acta\/\"\n                                                   data-insurance-search-link>\n                                                    Association canadienne des agences de voyages et conseillers de voyages (ACTA)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/services-professionnels\/association-educatrices-et-educateurs-specialises-du-quebec-aeesq\/\"\n                                                   data-insurance-search-link>\n                                                    Association \u00c9ducatrices et \u00e9ducateurs sp\u00e9cialis\u00e9s du Qu\u00e9bec (AEESQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/tourisme-hotellerie-et-voyage\/association-des-hoteliers-du-quebec-ahq\/\"\n                                                   data-insurance-search-link>\n                                                    Association des h\u00f4teliers du Qu\u00e9bec (AHQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/services-loisirs-et-divers\/association-des-proprietaires-de-salons-de-quilles-du-quebec-apsqq\/\"\n                                                   data-insurance-search-link>\n                                                    Association des propri\u00e9taires de salons de quilles du Qu\u00e9bec (APSQQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/construction-et-batiments\/association-pour-entrepreneurs-en-construction-au-quebec-acq-abitibi-outaouais\/\"\n                                                   data-insurance-search-link>\n                                                    Association pour entrepreneurs en construction au Qu\u00e9bec (ACQ) Abitibi-Outaouais                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/medecines-alternatives-et-bien-etre\/association-professionnelle-des-ergonomes-du-quebec-apeq\/\"\n                                                   data-insurance-search-link>\n                                                    Association professionnelle des ergonomes du Qu\u00e9bec (APEQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/services-professionnels\/cabinets-et-services-financiers\/\"\n                                                   data-insurance-search-link>\n                                                    Cabinets et services financiers                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/medecines-alternatives-et-bien-etre\/corporation-des-zootherapeutes-du-quebec-czq\/\"\n                                                   data-insurance-search-link>\n                                                    Corporation des Zooth\u00e9rapeutes du Qu\u00e9bec (CZQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/services-professionnels\/courtiers-et-cabinets-en-courtage-hypothecaires\/\"\n                                                   data-insurance-search-link>\n                                                    Courtiers et cabinets en courtage hypoth\u00e9caires                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/agricole-et-foresterie\/federation-des-producteurs-forestiers-du-quebec\/\"\n                                                   data-insurance-search-link>\n                                                    F\u00e9d\u00e9ration des producteurs forestiers du Qu\u00e9bec                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/garages-et-ateliers-mecaniques\/garage-napa-autopro\/\"\n                                                   data-insurance-search-link>\n                                                    Garage NAPA Autopro                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/commerces-et-detaillants\/harnois-essence-detaillant-carburant\/\"\n                                                   data-insurance-search-link>\n                                                    Harnois (essence), d\u00e9taillant carburant                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/garages-et-ateliers-mecaniques\/mecaniques-services-web-msw\/\"\n                                                   data-insurance-search-link>\n                                                    M\u00e9canique Services Web (MSW), cybers\u00e9curit\u00e9                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/medecines-alternatives-et-bien-etre\/medecines-alternatives\/\"\n                                                   data-insurance-search-link>\n                                                    M\u00e9decines alternatives                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/professionnels-de-lesthetique-et-soins-de-beaute\/professionnels-de-lesthetique-et-soins-de-beaute-apeseq\/\"\n                                                   data-insurance-search-link>\n                                                    Professionnels de l\u2019esth\u00e9tique et soins de beaut\u00e9 (APESEQ)                                                <\/a>\n                                            <\/li>\n                                                                                    \n                                            <li class=\"personal-partners-search__item\" data-insurance-search-item>\n                                                <a class=\"personal-partners-search__link\"\n                                                   href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/residences-pour-aines\/regroupement-quebecois-des-residences-pour-aines-rqra\/\"\n                                                   data-insurance-search-link>\n                                                    Regroupement qu\u00e9b\u00e9cois des r\u00e9sidences pour a\u00een\u00e9s (RQRA)                                                <\/a>\n                                            <\/li>\n                                                                            <\/ul>\n                                                            <\/details>\n                        \n                        <p class=\"personal-partners-search__empty\" hidden data-insurance-search-empty>\n                            Aucun r\u00e9sultat trouv\u00e9.                        <\/p>\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"faq container reveal\">\n            <div class=\"faq__content wysiwyg anim anim-fade-left\">\n            <h2>Vos questions sur l\u2019assurance pour les immeubles, copropri\u00e9t\u00e9s et propri\u00e9taires fonciers au Qu\u00e9bec<\/h2>\n<p>Ces questions reviennent souvent quand des propri\u00e9taires, gestionnaires et syndicats de copropri\u00e9t\u00e9 r\u00e9visent leurs protections. Les r\u00e9ponses donnent des rep\u00e8res g\u00e9n\u00e9raux sur le b\u00e2timent, la responsabilit\u00e9 civile, les revenus locatifs, la vacance et les obligations du syndicat.<\/p>\n        <\/div>\n    \n            <div class=\"faq__list\">\n            \n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-0\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-0\">\n                                <span>Quelle diff\u00e9rence existe-t-il entre l\u2019assurance du copropri\u00e9taire et celle du syndicat de copropri\u00e9t\u00e9?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-0\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-0\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p><span style=\"font-weight: 400\">Les deux assurances couvrent des r\u00e9alit\u00e9s distinctes et se compl\u00e8tent.<\/span><\/p>\n<p>Le syndicat de copropri\u00e9t\u00e9 (SDC) assure g\u00e9n\u00e9ralement le b\u00e2timent \u00e0 son co\u00fbt de reconstruction. Cela inclut les parties communes, les biens communs et les parties privatives d\u2019origine.<\/p>\n<ul>\n<li><strong>Les am\u00e9liorations faites par les copropri\u00e9taires<\/strong> sont g\u00e9n\u00e9ralement exclues. La responsabilit\u00e9 civile du syndicat et de ses administrateurs peut aussi \u00eatre couverte, selon le libell\u00e9 de la police.<\/li>\n<li><strong>L\u2019assurance du copropri\u00e9taire<\/strong> couvre ses biens personnels, les am\u00e9liorations \u00e0 son unit\u00e9 et sa responsabilit\u00e9 civile. Elle peut aussi couvrir certaines cotisations ou quotes-parts, selon le contrat.<\/li>\n<\/ul>\n<p>En cas de sinistre couvert, la police du SDC r\u00e9pond g\u00e9n\u00e9ralement aux dommages au b\u00e2timent et aux parties d\u2019origine. Le libell\u00e9 de la police demeure applicable.<\/p>\n<p><span style=\"font-weight: 400\">Pour conna\u00eetre vos obligations en tant que copropri\u00e9taire individuel, consultez notre page <\/span><a href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/condos-et-coproprietaires\/\"><b>Assurance pour les condos et copropri\u00e9taires<\/b><span style=\"font-weight: 400\">.<\/span><\/a><\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-1\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-1\">\n                                <span>Mon immeuble est vacant: est-il encore assurable?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-1\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-1\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p>Il peut \u00eatre assurable, mais la situation doit \u00eatre v\u00e9rifi\u00e9e avant de laisser le b\u00e2timent vide.<\/p>\n<p>Un b\u00e2timent temporairement inoccup\u00e9 diff\u00e8re d\u2019un b\u00e2timent vacant. Une unit\u00e9 entre deux locataires peut \u00eatre trait\u00e9e autrement. C\u2019est aussi le cas d\u2019un immeuble en attente de vente, de conversion ou de d\u00e9molition.<\/p>\n<p>Les assureurs examinent plusieurs facteurs. Ils peuvent consid\u00e9rer la raison, la dur\u00e9e pr\u00e9vue, l\u2019\u00e9tat du b\u00e2timent, les inspections et le chauffage. Ils peuvent aussi v\u00e9rifier le d\u00e9neigement, les alarmes et les mesures de protection.<\/p>\n<p>La couverture peut \u00eatre maintenue avec conditions, limit\u00e9e \u00e0 certains risques, remplac\u00e9e par une police sp\u00e9cifique ou annul\u00e9e avec l\u2019avis requis.<\/p>\n<p>Un courtier peut aider \u00e0 confirmer la classification du b\u00e2timent, les conditions applicables et les solutions possibles pendant la p\u00e9riode de vacances.<\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-2\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-2\">\n                                <span> Est-ce que mes revenus locatifs sont couverts en cas de sinistre?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-2\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-2\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p>Oui, \u00e0 condition que cette protection soit incluse dans votre police d\u2019assurance.<\/p>\n<p>Si un sinistre couvert rend vos unit\u00e9s ou locaux inutilisables, cette protection peut remplacer une partie des loyers perdus. Elle peut aussi couvrir certains frais connexes, selon le contrat.<\/p>\n<p>Cette couverture ne s\u2019applique pas automatiquement. Elle doit \u00eatre souscrite sp\u00e9cifiquement. Les conditions varient d\u2019une police \u00e0 l\u2019autre. La dur\u00e9e de l\u2019indemnisation et les exclusions d\u00e9pendent de votre contrat.<\/p>\n<p>Un courtier peut v\u00e9rifier si cette protection est incluse. Il peut aussi comparer la limite avec vos revenus locatifs r\u00e9els.<\/p>\n<p>Il peut aussi v\u00e9rifier si la p\u00e9riode d\u2019indemnisation refl\u00e8te le temps raisonnable pour r\u00e9parer, restaurer et relouer les unit\u00e9s ou locaux.<\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-3\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-3\">\n                                <span>Quelles sont les obligations d\u2019assurance d\u2019un syndicat de copropri\u00e9t\u00e9 au Qu\u00e9bec?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-3\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-3\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p>Selon la loi qu\u00e9b\u00e9coise et le projet de loi 141, les syndicats de copropri\u00e9t\u00e9 ont des obligations particuli\u00e8res en assurance.<\/p>\n<p>Le syndicat doit assurer le b\u00e2timent \u00e0 son co\u00fbt de reconstruction, selon une \u00e9valuation professionnelle r\u00e9alis\u00e9e aux intervalles pr\u00e9vus. Cette \u00e9valuation doit tenir compte des parties communes et des parties privatives d\u2019origine.<\/p>\n<p>Le syndicat doit aussi constituer un fonds d\u2019autoassurance pour couvrir la franchise en cas de sinistre. Il doit souscrire une assurance responsabilit\u00e9 civile pour ses administrateurs, son g\u00e9rant et certaines personnes responsables du fonctionnement de la copropri\u00e9t\u00e9.<\/p>\n<p>Les droits de recours du syndicat contre les copropri\u00e9taires ne sont plus permis, sauf en cas de faute grave ou intentionnelle.<\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                            \n                \n                <div class=\"faq__item faq-item anim anim-fade-up\" data-faq-item>\n                                            <h4 class=\"faq-item__question title-s\">\n                            <button class=\"faq-item__trigger\" type=\"button\" id=\"faq-trigger-4\"\n                                    aria-expanded=\"false\" aria-controls=\"faq-panel-4\">\n                                <span>Comment obtenir une soumission d\u2019assurance pour mon immeuble ou ma copropri\u00e9t\u00e9 au Qu\u00e9bec?<\/span>\n\n                                <svg class=\"faq-item__icon\" aria-hidden=\"true\" width=\"15\" height=\"8\">\n                                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n                                <\/svg>\n                            <\/button>\n                        <\/h4>\n                    \n                                            <div class=\"faq-item__answer-wrap\" id=\"faq-panel-4\" role=\"region\"\n                                                                    aria-labelledby=\"faq-trigger-4\"\n                                >\n                            <div class=\"faq-item__answer wysiwyg\">\n                                                                    <p>Pour demander une soumission, communiquez avec un courtier par t\u00e9l\u00e9phone ou par courriel. Pr\u00e9parez les informations cl\u00e9s sur le b\u00e2timent, son usage, son occupation, ses syst\u00e8mes de protection et son historique de r\u00e9clamations.<\/p>\n<p>Pour recevoir une soumission rapidement, il est utile de conna\u00eetre quelques informations de base. Cela comprend le type et l\u2019usage du b\u00e2timent, le nombre d\u2019unit\u00e9s ou de locaux et l\u2019\u00e2ge du b\u00e2timent. L\u2019\u00e9tat des \u00e9quipements m\u00e9caniques peut aussi \u00eatre demand\u00e9. Pour un syndicat de copropri\u00e9t\u00e9, une \u00e9valuation r\u00e9cente et les documents de copropri\u00e9t\u00e9 facilitent l\u2019analyse.<\/p>\n<p>Un courtier examine votre dossier et aide \u00e0 comparer les options disponibles selon votre propri\u00e9t\u00e9, vos obligations, vos besoins et les crit\u00e8res des assureurs.<\/p>\n                                \n                                \n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/section>\n\n    <section class=\"personal-articles container reveal\">\n        <div class=\"personal-articles__header anim anim-fade-left\">\n            <div class=\"personal-articles__content\">\n                                    <h2 class=\"personal-articles__title title-l\">\n                        Des conseils pratiques pour la vie de tous les jours                    <\/h2>\n                \n                \n                <a href=\"https:\/\/laturquoise.ca\/fr\/blogue\/\" class=\"personal-articles__link btn btn--white-outlined-green\" aria-label=\"Voir tous nos conseils\"><span>Voir tous nos conseils<\/span><\/a>            <\/div>\n\n            <div class=\"personal-articles__nav\" aria-label=\"Navigation du carrousel d\u2019articles\">\n                <button class=\"personal-articles__arrow personal-articles__arrow--prev swiper-button-prev\"\n                        type=\"button\" aria-label=\"Article pr\u00e9c\u00e9dent\">\n                    <svg class=\"personal-articles__arrow-icon\" aria-hidden=\"true\" width=\"25\" height=\"22\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-left\"\/>\n                    <\/svg>\n                <\/button>\n\n                <button class=\"personal-articles__arrow personal-articles__arrow--next swiper-button-next\"\n                        type=\"button\" aria-label=\"Article suivant\">\n                    <svg class=\"personal-articles__arrow-icon\" aria-hidden=\"true\" width=\"25\" height=\"22\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-right\"\/>\n                    <\/svg>\n                <\/button>\n            <\/div>\n        <\/div>\n\n        <div class=\"personal-articles__slider anim anim-fade-up\">\n            <div class=\"swiper personal-articles-slider-js\">\n                <ul class=\"personal-articles__wrapper swiper-wrapper\">\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/fin-de-saison-agricole\/\"\n       aria-label=\"Lire l\u2019article : Fin de saison agricole\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-1024x683.jpg\" class=\"img-cover\" alt=\"Vue a\u00e9rienne d\u2019une exploitation agricole au Qu\u00e9bec \u00e0 l\u2019automne, illustrant la planification des prochaines \u00e9tapes et la pr\u00e9paration de la prochaine saison.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250-768x512.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2285589250.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Vue a\u00e9rienne d\u2019une exploitation agricole au Qu\u00e9bec \u00e0 l\u2019automne, illustrant la planification des prochaines \u00e9tapes et la pr\u00e9paration de la prochaine saison.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-pratiques\/\">\n                            Conseils pratiques                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/couvertures-expliquees\/\">\n                            Couvertures expliqu\u00e9es                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises\/\">\n                            Entreprises                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises-agricoles\/\">\n                            Entreprises agricoles                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/protections-expliquees\/\">\n                            Protections expliqu\u00e9es                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Fin de saison agricole        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-24\">\n                    08\/24\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        7 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/cyberattaques-en-pme-risques-et-assurance-cyber\/\"\n       aria-label=\"Lire l\u2019article : Cyberattaques en PME : comprendre les risques et le r\u00f4le de l\u2019assurance cyber\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-1024x683.jpg\" class=\"img-cover\" alt=\"Employ\u00e9e analysant un \u00e9cran d\u2019ordinateur dans un contexte de cybers\u00e9curit\u00e9 en entreprise.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827-768x513.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-2220462827.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Employ\u00e9e analysant un \u00e9cran d\u2019ordinateur dans un contexte de cybers\u00e9curit\u00e9 en entreprise.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-generaux\/\">\n                            Conseils g\u00e9n\u00e9raux                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-pratiques\/\">\n                            Conseils pratiques                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/couvertures-expliquees\/\">\n                            Couvertures expliqu\u00e9es                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/cybersecurite\/\">\n                            Cybers\u00e9curit\u00e9                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises\/\">\n                            Entreprises                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/protections-expliquees\/\">\n                            Protections expliqu\u00e9es                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Cyberattaques en PME : comprendre les risques et le r\u00f4le de l\u2019assurance cyber        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-23\">\n                    08\/23\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        10 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/courtier-en-assurance-de-dommages-role-conseils-et-avantage\/\"\n       aria-label=\"Lire l\u2019article : Courtier en assurance de dommages au Qu\u00e9bec : r\u00f4le, avantages et diff\u00e9rences avec un assureur direct\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"444\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-1024x444.jpg\" class=\"img-cover\" alt=\"Courti\u00e8re pr\u00e9sentant des documents d&#039;assurance \u00e0 un client lors d&#039;une rencontre de consultation.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-1024x444.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-300x130.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808-768x333.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/iStock-1462696665-e1787589260808.jpg 1252w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Courti\u00e8re pr\u00e9sentant des documents d&#039;assurance \u00e0 un client lors d&#039;une rencontre de consultation.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/automobile\/\">\n                            Automobile                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/conseils-generaux\/\">\n                            Conseils g\u00e9n\u00e9raux                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/cybersecurite\/\">\n                            Cybers\u00e9curit\u00e9                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/entreprises\/\">\n                            Entreprises                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/habitation\/\">\n                            Habitation                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/la-turquoise\/\">\n                            La Turquoise                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/particuliers\/\">\n                            Particuliers                        <\/a>\n                    <\/li>\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/vehicules-recreatifs-et-de-loisirs\/\">\n                            V\u00e9hicules r\u00e9cr\u00e9atifs et de loisirs                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Courtier en assurance de dommages au Qu\u00e9bec : r\u00f4le, avantages et diff\u00e9rences avec un assureur direct        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-23\">\n                    08\/23\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        4 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/batir-sa-carriere-en-assurance-de-dommages\/\"\n       aria-label=\"Lire l\u2019article : Les possibilit\u00e9s de carri\u00e8re en assurance de dommages\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"478\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-scaled-e1787345013408-1024x478.jpg\" class=\"img-cover\" alt=\"Deux coll\u00e8gues \u00e9changent devant un ordinateur lors d&#039;une journ\u00e9e de travail. La collaboration est au c\u0153ur des carri\u00e8res en assurance au Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-scaled-e1787345013408-1024x478.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-scaled-e1787345013408-300x140.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-scaled-e1787345013408-768x358.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Gestionnaires_FemmeNoire_HommeCaucasien-scaled-e1787345013408.jpg 1230w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"Deux coll\u00e8gues \u00e9changent devant un ordinateur lors d&#039;une journ\u00e9e de travail. La collaboration est au c\u0153ur des carri\u00e8res en assurance au Qu\u00e9bec.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/carrieres\/\">\n                            Carri\u00e8res                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Les possibilit\u00e9s de carri\u00e8re en assurance de dommages        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-08-21\">\n                    08\/21\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        5 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/lassurance-de-dommages-donner-un-sens-a-sa-carriere\/\"\n       aria-label=\"Lire l\u2019article : L\u2019assurance de dommages: donner un sens \u00e0 sa carri\u00e8re en ayant un impact concret\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"295\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-1024x295.jpg\" class=\"img-cover\" alt=\"R\u00e9union d\u2019\u00e9quipe dans une salle de conf\u00e9rence lumineuse, avec plusieurs personnes en discussion autour d\u2019une table de travail.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-1024x295.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-300x86.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-768x221.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-1536x443.jpg 1536w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/08\/LaTurquoise_MarqueEmployeur_Femme_Meeting-scaled-e1787325748745-2048x590.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"R\u00e9union d\u2019\u00e9quipe dans une salle de conf\u00e9rence lumineuse, avec plusieurs personnes en discussion autour d\u2019une table de travail.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/carrieres\/\">\n                            Carri\u00e8res                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            L\u2019assurance de dommages: donner un sens \u00e0 sa carri\u00e8re en ayant un impact concret        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-06-25\">\n                    06\/25\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        5 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                            \n                        <li class=\"personal-articles__slide swiper-slide\">\n                            \n<article class=\"post-card\">\n    <a class=\"post-card__overlay-link\"\n       href=\"https:\/\/www.laturquoise.ca\/fr\/entrer-dans-lassurance-de-dommages-le-vrai-parcours\/\"\n       aria-label=\"Lire l\u2019article : Entrer dans l\u2019assurance de dommages : le vrai parcours\"><\/a>\n\n    <div class=\"post-card__media\">\n        \n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-1024x683.jpg\" class=\"img-cover\" alt=\"\u00c9change professionnel autour de documents dans un environnement de bureau. Illustration li\u00e9e \u00e0 l\u2019entr\u00e9e dans une carri\u00e8re en assurance de dommages au Qu\u00e9bec.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996-768x512.jpg 768w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/iStock-1588289996.jpg 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" title=\"\u00c9change professionnel autour de documents dans un environnement de bureau. Illustration li\u00e9e \u00e0 l\u2019entr\u00e9e dans une carri\u00e8re en assurance de dommages au Qu\u00e9bec.\" \/>    <\/div>\n\n    <div class=\"post-card__body\">\n                    <ul class=\"post-card__tags\" aria-label=\"Cat\u00e9gories\">\n                                    \n                    <li class=\"post-card__tag-item\">\n                        <a class=\"post-card__tag\" href=\"https:\/\/www.laturquoise.ca\/fr\/category\/carrieres\/\">\n                            Carri\u00e8res                        <\/a>\n                    <\/li>\n                            <\/ul>\n        \n        <h3 class=\"post-card__title title-m\">\n            Entrer dans l\u2019assurance de dommages : le vrai parcours        <\/h3>\n\n        <div class=\"post-card__bottom\">\n            <div class=\"post-card__meta\">\n                <time class=\"post-card__date\" datetime=\"2026-06-03\">\n                    06\/03\/2026                <\/time>\n\n                                    <span class=\"post-card__meta-sep\" aria-hidden=\"true\"><\/span>\n                    <span class=\"post-card__read-time\">\n                        6 min                    <\/span>\n                            <\/div>\n\n                            <span class=\"post-card__arrow\" aria-hidden=\"true\">\n                    <svg class=\"post-card__arrow-icon\" aria-hidden=\"true\" width=\"21\" height=\"18\">\n                        <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#arrow-more\"\/>\n                    <\/svg>\n                <\/span>\n                    <\/div>\n    <\/div>\n<\/article>                        <\/li>\n                                    <\/ul>\n            <\/div>\n\n            <div class=\"personal-articles__pagination swiper-pagination\"><\/div>\n        <\/div>\n    <\/section>\n    \n\n\n<section class=\"needs-cards container reveal\">\n            <div class=\"needs-cards__content wysiwyg anim anim-fade-up\">\n            <h2>Des solutions d\u2019assurance pens\u00e9es pour votre quotidien<\/h2>\n<p><span style=\"font-weight: 400\">Parce que chaque situation est diff\u00e9rente, nous proposons des protections adapt\u00e9es \u00e0 votre r\u00e9alit\u00e9. Cela peut concerner vos biens, vos activit\u00e9s ou votre entreprise.<\/span><\/p>\n        <\/div>\n    \n            <ul class=\"needs-cards__list\">\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/condos-et-coproprietaires\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/07\/icone12_recadree.svg\" class=\"attachment-full size-full\" alt=\"Condos et copro\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Condos et copropri\u00e9t\u00e9s                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/tourisme-hotellerie-et-voyage\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/06\/icone17_recadree.svg\" class=\"attachment-full size-full\" alt=\"H\u00f4tellerie\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Tourisme, h\u00f4tellerie et voyages                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/particuliers\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/personal-discounts-icon-2.svg\" class=\"attachment-full size-full\" alt=\"Particuliers\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Particuliers                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/fr\/entreprises\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/needs-cards-icon-4.svg\" class=\"attachment-full size-full\" alt=\"Entreprises\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Entreprises                        <\/h3>\n                    <\/a>\n                <\/li>\n                    <\/ul>\n    <\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"featured_media":0,"parent":0,"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1547","program","type-program","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance immobilier et copropri\u00e9t\u00e9s &#8211; La Turquoise<\/title>\n<meta name=\"description\" content=\"Assurance pour immeubles locatifs, syndicats de copropri\u00e9t\u00e9 et propri\u00e9taires fonciers au Qu\u00e9bec. Protections adapt\u00e9es. Consultez un courtier La Turquoise.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.laturquoise.ca\/fr\/programmes\/immobilier-coproprietes-et-proprietaires-fonciers\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance immobilier et copropri\u00e9t\u00e9s &#8211; La Turquoise\" \/>\n<meta property=\"og:description\" content=\"Assurance pour immeubles locatifs, syndicats de copropri\u00e9t\u00e9 et propri\u00e9taires fonciers au Qu\u00e9bec. Protections adapt\u00e9es. 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