{"id":74422,"date":"2026-06-08T12:35:49","date_gmt":"2026-06-08T16:35:49","guid":{"rendered":"https:\/\/www.assur360.ca\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/"},"modified":"2026-06-08T12:36:52","modified_gmt":"2026-06-08T16:36:52","slug":"shared-tenant-insurance-in-quebec-2026-who-pays-what","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/","title":{"rendered":"Shared tenant insurance in Quebec 2026 \u2014 Who pays what?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Living in <strong>a shared apartment in Quebec<\/strong> has become a popular lifestyle choice \u2014 students in <strong>Montreal<\/strong>, young professionals in <strong>Quebec City<\/strong>, blended families in <strong>Sherbrooke<\/strong> or senior roommates in <strong>Trois-Rivi\u00e8res<\/strong>. But one question keeps coming up: <strong>who pays what in the event of a claim<\/strong> ? The joint lease does not solve the issue of insurance, and believing that a single policy covers all roommates is the most costly mistake. At <strong>Assur360<\/strong>, an independent comparator, the <strong>brokers of our AMF-certified partner firms<\/strong> explain the 3 possible scenarios and help you choose the formula that really protects each roommate.   <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:40px 0;padding:32px;background:#f0fdfa;border-radius:16px;border:1px solid #99f6e4;\">\n  <div style=\"text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:36px;font-weight:800;line-height:1;\">60 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:8px;line-height:1.4;\">of Quebec students live in shared flats<\/div>\n  <\/div>\n  <div style=\"text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:36px;font-weight:800;line-height:1;\">$1M<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:8px;line-height:1.4;\">minimum liability per roommate<\/div>\n  <\/div>\n  <div style=\"text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:36px;font-weight:800;line-height:1;\">3<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:8px;line-height:1.4;\">Roommate coverage scenarios<\/div>\n  <\/div>\n  <div style=\"text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:36px;font-weight:800;line-height:1;\">100K+<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:8px;line-height:1.4;\">Quebecers advised by Assur360<\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">ROOMMATE SPECIAL<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Tenant insurance adapted to your roommate<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Each roommate deserves their own protection. Compare 10+ insurers in 3 minutes \u2014 recommended by our broker partners. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-quote-2\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">3-minute roommate submission\u2192<\/a>\n<\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/#The-3-scenarios-of-insurance-in-shared-accommodation\" >The 3 scenarios of insurance in shared accommodation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/#Who-pays-in-the-event-of-a-loss-in-a-roommate\" >Who pays in the event of a loss in a roommate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/#Joint-Lease-vs-Separate-Lease-%E2%80%94-Impact-on-Insurance\" >Joint Lease vs. Separate Lease \u2014 Impact on Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/#Students-in-shared-flats-special-coverage\" >Students in shared flats: special coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/#How-to-subscribe-to-multiple-roommates\" >How to subscribe to multiple roommates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/#Frequently-asked-questions-about-tenant-insurance-in-shared-flats\" >Frequently asked questions about tenant insurance in shared flats<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/#Why-use-Assur360-for-your-roommate\" >Why use Assur360 for your roommate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/shared-tenant-insurance-in-quebec-2026-who-pays-what\/#Related-pages\" >Related pages<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-3-scenarios-of-insurance-in-shared-accommodation\"><\/span>The 3 scenarios of insurance in shared accommodation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Before you sign a lease or take out a policy, you need to understand what scenario you&#8217;re in. Each formula has its advantages, risks and implications for civil liability in the event of a claim. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfc6<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">One policy per roommate <span style=\"color:#10c4c7;font-size:12px;display:block;margin-top:4px;\">RECOMMENDED<\/span><\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Each roommate takes out <strong>HIS own policy<\/strong> : he insures HIS belongings (furniture, clothes, electronics) and has HIS own civil liability. This is the safest formula \u2014 no ambiguity about who pays what, and everyone keeps their own compensation. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #f59e0b;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udccb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Common policy on the lease<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A <strong>single policy<\/strong> covers all named roommates. Simpler in appearance, but in the event of a claim: who claims? Who receives the cheque? What value should be placed on everyone&#8217;s property? Frequent sources of conflict.    <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #ef4444;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u26a0\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Primary co-tenant alone on the lease<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Only one name in the lease, the other &#8220;subtenants&#8221; or &#8220;lodgers&#8221;. The primary tenant&#8217;s policy does <strong>NOT<\/strong> automatically cover the property of others. Worse: if a roommate causes a loss, the principal can be held jointly and severally liable.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-pays-in-the-event-of-a-loss-in-a-roommate\"><\/span>Who pays in the event of a loss in a roommate?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">This is THE question that creates the most bickering between roommates after a disaster. The answer depends on the <strong>type of claim<\/strong>, the <strong>cause<\/strong>, and who is listed where. Here are the 3 most common scenarios.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udd25<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Fire caused by a roommate<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Example: your roommate forgets a candle lit \u2192 bedroom fire. If each roommate has HIS policy, <strong>each one claims HIS own insurance<\/strong> for HIS belongings. The liability of the offender can be activated by the owner for damage to the building.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udca7<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Water Damage in the Kitchen<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Dishwasher overflowing at night. If the origin is <strong>accidental<\/strong> and not caused by a specific roommate, everyone claims their damaged property from their police. If a roommate has neglected a reported leak, his or her liability may be called into question.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udd13<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Burglary<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Theft during the holidays: each roommate <strong>declares HIS stolen property to HIS police<\/strong>. A single police report with a detailed list per roommate is required. If only one has taken out a policy, the others have NO recourse.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Joint-Lease-vs-Separate-Lease-%E2%80%94-Impact-on-Insurance\"><\/span>Joint Lease vs. Separate Lease \u2014 Impact on Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">The nature of your lease changes everything: <strong>a single lease signed by all<\/strong>, <strong>individual leases per room<\/strong>, or <strong>a main lease with subtenants<\/strong>. Here&#8217;s how insurance adapts to each situation. <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Lease<\/th>\n status<th style=\"padding:14px 16px;text-align:left;border:none;\">Civil<\/th>\n liability<th style=\"padding:14px 16px;text-align:left;border:none;\">Recommended Font<\/th>                \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Single lease signed by all roommates<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Solidarity among all \u2014 all responsible for damage to the home<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">One individual policy per roommate (min. $1 million RC each)<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Individual leases per room (student residence)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Limited to your room and common areas as per the lease<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">Mandatory individual policy \u2014 often required by the landlord<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Main tenant + subtenants<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Focused on principal to the owner \u2014 high risk<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">Primary: Full policy. Subtenants: individual policy <\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;font-weight:600;color:#0d1f2d;\">Spouses\/family on the same lease<\/td>\n<td style=\"padding:12px 16px;color:#334155;\">Pooled \u2014 often treated as a single insurable<\/td>\n household<td style=\"padding:12px 16px;color:#10c4c7;font-weight:600;\">Single family policy possible (separate case from the classic roommate)<\/td>                \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Why Every Roommate Should Have THEIR Own Policy<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Beyond the very affordable price (starting at $12 to $20 per month, indicative prices varying depending on the profile), an individual policy eliminates 90% of post-disaster conflicts. <strong style=\"color:#ffffff;\">Everyone manages their claim, receives THEIR check, pays their own deductible<\/strong>. You also avoid the risk that a roommate will cancel his or her share of the joint policy and leave you in the open. This is the formula recommended by the brokers of our partner firms in 9 out of 10 cases.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Students-in-shared-flats-special-coverage\"><\/span>Students in shared flats: special coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Students sharing a flat around the campuses of <strong>Montreal<\/strong> (UdeM, UQAM, McGill, Concordia), <strong>Sherbrooke<\/strong> (Universit\u00e9 de Sherbrooke, Bishop&#8217;s), <strong>Trois-Rivi\u00e8res<\/strong> (UQTR), <strong>Quebec City<\/strong> (Universit\u00e9 Laval) and <strong>Chicoutimi<\/strong> (UQAC) have special needs. Here&#8217;s what you need to know before you sign. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udcbb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Laptop and tablet<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Often your most expensive possessions ($1,500 to $3,000). Check the &#8220;portable goods away from home&#8221; limit \u2014 useful if you&#8217;re studying in a library or coffee shop. Some insurers require a specific endorsement.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udeb2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Bicycle, scooter, instruments<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A $2,000 bike or an inherited guitar deserve to be declared special property. Without a declaration, compensation is capped at often derisory limits ($300 to $500). <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">Parents&#8217; police: yes or no?<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">As long as you are a full-time student and your main residence remains with your parents, many insurers extend their coverage. <strong>Check beforehand \u2014 each insurer has its rules<\/strong> and the extension often has limits.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-subscribe-to-multiple-roommates\"><\/span>How to subscribe to multiple roommates<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;\">Here are the 5 steps that the brokers of our partner firms recommend to protect a roommate, step by step.<\/p>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Inventory EACH roommate&#8217;s belongings separately<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Everyone makes their own list: furniture, electronics, clothing, bicycles, instruments. Photograph and keep the invoices. This inventory determines the amount of coverage needed for each.  <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Identify your lease situation<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A single lease signed by all, separate leases by room, or a single name in the lease? This conditions the formula to be preferred and the obligations of each person. Ask for a copy of your lease if you don&#8217;t have it on hand.  <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Request an individual quote per roommate<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">On <a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-quote-2\/\" style=\"color:#10c4c7;font-weight:600;\">our tenant quote form<\/a>, each roommate fills out their own request with THEIR belongings, THEIR profile and THEIR needs. This allows our broker partners to compare 10+ insurers for each. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Compare coverage, not just prices<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Check: Minimum liability $1 million (ideally $2 million), replacement cost vs. depreciated value, limits per special property, deductible, temporary living expenses in the event of a major loss, water protection (sewer backup, infiltration).<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Sign and keep everyone&#8217;s proofs<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Each roommate receives his own policy. Keep scanned certificates in a shared folder between roommates \u2014 useful for proving coverage to the landlord or in the event of a nightly claim. Update when a roommate moves out.  <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Common mistake: believing that one policy covers everyone<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">&#8220;My main roommate has taken out the insurance, so I&#8217;m covered&#8221; \u2014 <strong>FALSE<\/strong>. A roommate&#8217;s policy covers ONLY their own property and their own liability, unless they have explicitly declared the other roommates as &#8220;designated insureds&#8221; to the insurer (rare and often denied). In the event of a claim, uninsured roommates lose EVERYTHING. Worse: if you cause damage to a neighbour&#8217;s house, you have no liability to defend yourself \u2014 you pay out of pocket, possibly tens of thousands of dollars.   <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-tenant-insurance-in-shared-flats\"><\/span>Frequently asked questions about tenant insurance in shared flats<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Are my roommates and I obliged to each have our own insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Tenant insurance is not mandatory by law in Quebec, but it is increasingly required by landlords in the lease. If your lease requires it, each signing roommate must be able to prove valid coverage. Even without contractual obligations, it is strongly recommended: a single mistake (forgotten candle, curling iron left plugged in) can generate damages of several hundred thousand dollars for which you will be held responsible without a liability.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">If my roommate causes a fire, does my policy pay for MY belongings?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes \u2014 that&#8217;s the typical scenario. Your own tenant insurance policy covers YOUR belongings regardless of who caused the loss (except you, in the event of intentional fault). Your insurer compensates your losses, then can bring an action for recovery (subrogation) against the liability insurer of your roommate at fault. You do NOT have to pay anything yourself, except your deductible. This is exactly why every roommate should have HIS own policy.    <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Who is responsible in the event of water damage in the roommate?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It depends on the cause. Accidental water damage (plumbing breakage, backup): each roommate claims HIS policy for HIS belongings, and the owner activates his own insurance for the building. Damage caused by the negligence of a roommate (washing machine badly installed, bathtub forgotten): the liability of the roommate at fault can be called into question by others and by the owner. Without a liability policy, this roommate pays out of pocket, sometimes over several years.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I be on the lease but not on my roommate&#8217;s policy?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, it is even the most frequent and risky situation. Being in the lease commits you jointly and severally with the other roommates to the landlord (rent, damages), but does not give you any automatic insurance protection. You must imperatively take out YOUR own policy or ask your roommate to formally add you as a &#8220;designated insured&#8221; on his policy (rare, subject to the approval of the insurer). The safe way remains an individual policy per roommate.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does tenant insurance cost in a roommate?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Prices are indicative and vary according to the profile, the city, the content to be insured and the deductible. For a student roommates in Montreal, Sherbrooke or Quebec City, generally count between $12 and $25 per month ($144 to $300 per year) for an individual policy with $1 million in liability and $20,000 to $30,000 in contents. Young professionals in roommates often pay between $18 and $35 per month. The exact premium is determined after analysing your file. See our <a href=\"https:\/\/www.assur360.ca\/en\/how-much-does-tenant-insurance-cost-in-quebec-in-2026\/\" style=\"color:#10c4c7;font-weight:600;\">complete guide to tenant insurance prices<\/a>.    <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">My roommate is moving: what changes for my insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">If each roommate has THEIR policy, the departure of a roommate does NOT impact your coverage \u2014 you remain fully insured. You simply need to notify your insurer of any significant change in your situation (new roommate who arrives, you are staying alone, extension of the home). If you were on a joint policy, it&#8217;s more complicated: you have to renegotiate the policy, add or remove names, and risk a premium increase or termination. Another argument for individual policies.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can my parents assure me that I live in a roommate?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Some parents&#8217; home insurance policies extend coverage to full-time student children whose primary home remains family. The rules vary greatly from one insurer to another: age limits, school attendance requirements, coverage limits (often $5,000 to $10,000), and exclusion from liability in rented accommodation.   <strong>Ask your parents&#8217; insurer for written confirmation before relying on it.<\/strong>  In 80% of cases, an individual policy is still more protective \u2014 and costs less than $20 per month.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">If you share a PS5 console, who ensures it?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The shared property is usually insured by the person who bought it (and who can prove the purchase via an invoice). In the event of a claim, he declares the property to his policy and receives compensation. For shared properties of significant value (4K TV, console + games, high-end kitchen equipment), it is recommended to explicitly note the owner in a document shared between roommates. This prevents disputes at the time of claim and clarifies who includes what in their own coverage inventory.   <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-use-Assur360-for-your-roommate\"><\/span>Why use Assur360 for your roommate<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f0fdfa;border:1px solid #99f6e4;border-radius:16px;padding:36px;margin:32px 0;\">\n  <p style=\"color:#0d1f2d;font-weight:700;font-size:18px;margin:0 0 20px;\">Assur360, independent comparator: 4 concrete reasons<\/p>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;\">\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\">\n      <div style=\"color:#10c4c7;font-size:22px;flex-shrink:0;font-weight:800;\">\u2713<\/div>\n      <div>\n        <p style=\"color:#0d1f2d;font-weight:600;margin:0 0 4px;\">Compare 10+ insurers in 3 minutes<\/p>\n        <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">A single form, several personalized quotes by AMF-certified partner firms.<\/p>\n      <\/div>\n    <\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\">\n      <div style=\"color:#10c4c7;font-size:22px;flex-shrink:0;font-weight:800;\">\u2713<\/div>\n      <div>\n        <p style=\"color:#0d1f2d;font-weight:600;margin:0 0 4px;\">AMF-certified partner firms<\/p>\n        <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">All our partners are supervised by the Insurance Chamber and bound by a strict duty of advice.<\/p>\n      <\/div>\n    <\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\">\n      <div style=\"color:#10c4c7;font-size:22px;flex-shrink:0;font-weight:800;\">\u2713<\/div>\n      <div>\n        <p style=\"color:#0d1f2d;font-weight:600;margin:0 0 4px;\">100% free service for you<\/p>\n        <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">No consultation or comparison fees \u2014 compensation comes from partner firms.<\/p>\n      <\/div>\n    <\/div>\n    <div style=\"display:flex;gap:12px;align-items:flex-start;\">\n      <div style=\"color:#10c4c7;font-size:22px;flex-shrink:0;font-weight:800;\">\u2713<\/div>\n      <div>\n        <p style=\"color:#0d1f2d;font-weight:600;margin:0 0 4px;\">100K+ Quebecers recommended<\/p>\n        <p style=\"color:#334155;font-size:14px;margin:0;line-height:1.6;\">A platform recognized throughout Quebec \u2014 from <strong>Montreal<\/strong> to <strong>Chicoutimi<\/strong>, via <strong>Laval<\/strong>, <strong>Longueuil<\/strong> and <strong>Gatineau<\/strong>.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">PROTECT YOUR ROOMMATE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Every roommate deserves HIS own policy<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare 10+ insurers in 3 minutes. Free, no-obligation quote \u2014 each roommate receives their own personalized quote. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-quote-2\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get my quote\u2192<\/a>\n  <a href=\"tel:+18887271111\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde Talk to a broker<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-pages\"><\/span>Related pages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/tenant-insurance-quote-2\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Tenant insurance quote \u2192<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">3-minute form, compared quotes from 10+ insurers \u2014 for each roommate.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/how-much-does-tenant-insurance-cost-in-quebec-in-2026\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Price and cost of tenant insurance\u2192<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">How much it costs, how to save, and what factors influence your premium.<\/p>\n  <\/a>\n  <a href=\"\/assurance-locataire-etudiant\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Student Tenant Insurance \u2192<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Guide for CEGEP and university students, with specific coverage.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/responsabilite-civile-locataire\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Tenant&#8217;s civil liability\u2192<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Everything you need to know about the tenant&#8217;s civil liability: why $1 million minimum, when it is activated, how it protects you.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Home insurance in Quebec \u2192<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Overview of housing products: tenant, owner, condo, cottage.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">Disaster emergency: what to do? \u2192<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">24-hour action guide after a claim: procedures, rights, support.<\/p>\n  <\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360 \u2014 Comparateur ind\u00e9pendant d'assurance locataire en colocation\",\n  \"description\": \"Comparateur qu\u00e9b\u00e9cois pour assurance locataire en colocation. Cabinets partenaires certifi\u00e9s AMF. Une soumission par colocataire pour une protection optimale.\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-locataire-colocation\/\",\n  \"telephone\": \"+1-888-727-1111\",\n  \"areaServed\": {\n    \"@type\": \"AdministrativeArea\",\n    \"name\": \"Qu\u00e9bec\"\n  },\n  \"serviceType\": \"Assurance locataire en colocation\",\n  \"knowsAbout\": [\"Assurance locataire\", \"Colocation\", \"Responsabilit\u00e9 civile locataire\", \"Assurance \u00e9tudiant\", \"Bail commun\", \"Sous-location\"]\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mes colocataires et moi sommes-nous oblig\u00e9s d'avoir chacun notre assurance ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'assurance locataire n'est pas obligatoire par la loi au Qu\u00e9bec, mais elle est de plus en plus exig\u00e9e par les propri\u00e9taires dans le bail. Si votre bail l'exige, chaque colocataire signataire doit pouvoir prouver une couverture valide. M\u00eame sans obligation contractuelle, elle est fortement recommand\u00e9e pour prot\u00e9ger vos biens et votre responsabilit\u00e9 civile.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Si mon coloc cause un incendie, ma police paie-t-elle pour MES biens ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui. Votre propre police d'assurance locataire couvre VOS biens peu importe qui a caus\u00e9 le sinistre. Votre assureur indemnise vos pertes, puis peut exercer une action en r\u00e9cup\u00e9ration contre l'assureur RC du coloc fautif. Vous ne payez que votre franchise.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Qui est responsable en cas de d\u00e9g\u00e2t d'eau dans la coloc ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Cela d\u00e9pend de la cause. D\u00e9g\u00e2t d'eau accidentel : chaque coloc r\u00e9clame \u00e0 SA police pour SES biens. D\u00e9g\u00e2t caus\u00e9 par n\u00e9gligence d'un coloc : la RC du coloc fautif peut \u00eatre mise en cause. Sans police RC, ce coloc paie de sa poche.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-ce que je peux \u00eatre sur le bail mais pas sur la police de mon coloc ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui, c'est la situation la plus fr\u00e9quente et la plus risqu\u00e9e. \u00catre au bail vous engage solidairement, mais ne vous donne aucune protection d'assurance automatique. Il faut souscrire votre propre police ou \u00eatre ajout\u00e9 formellement comme insur\u00e9 d\u00e9sign\u00e9 sur celle de votre coloc.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Combien co\u00fbte une assurance locataire en coloc ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Les prix sont indicatifs et varient selon le profil. Pour un \u00e9tudiant en coloc, comptez g\u00e9n\u00e9ralement entre 12 $ et 25 $ par mois pour une police individuelle avec 1 M$ de RC et 20 000 $ \u00e0 30 000 $ de contenu. La prime exacte est d\u00e9termin\u00e9e apr\u00e8s analyse de votre dossier.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mon coloc d\u00e9m\u00e9nage : qu'est-ce qui change pour mon assurance ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Si chaque coloc a SA propre police, le d\u00e9part d'un coloc n'impacte pas votre couverture. Vous devez simplement signaler les changements de situation \u00e0 votre assureur. Si vous \u00e9tiez sur une police commune, il faut ren\u00e9gocier la police et retirer ou ajouter des noms.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mes parents peuvent-ils m'assurer alors que je vis en coloc ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Certaines polices d'assurance habitation des parents \u00e9tendent une couverture aux enfants \u00e9tudiants \u00e0 temps plein dont le domicile principal reste familial. Les r\u00e8gles varient selon l'assureur. Demandez confirmation \u00e9crite avant de compter dessus \u2014 dans la plupart des cas, une police individuelle reste plus protectrice.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Si on partage une console PS5, qui l'assure ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le bien partag\u00e9 est g\u00e9n\u00e9ralement assur\u00e9 par celui qui l'a achet\u00e9 et qui peut prouver l'achat. En cas de sinistre, il d\u00e9clare le bien \u00e0 sa police et touche l'indemnisation. 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