{"id":4638,"date":"2023-10-16T16:00:00","date_gmt":"2023-10-16T20:00:00","guid":{"rendered":"https:\/\/claudiamorin.com\/?p=4638"},"modified":"2023-08-03T15:49:57","modified_gmt":"2023-08-03T19:49:57","slug":"lassurance-titres-a-la-rescousse","status":"publish","type":"post","link":"https:\/\/claudiamorin.com\/en\/informations-utiles\/lassurance-titres-a-la-rescousse\/","title":{"rendered":"L\u2019assurance titres \u00e0 la rescousse!"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/cdn.centris.ca\/public\/cms\/qc\/consumersite\/9efecc3a6064485094297ff8ff756d75\/57bc4f60-ecf0-419d-b3f0-5230b8aa8cd6\" alt=\"L\u2019assurance titres \u00e0 la rescousse!\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Apr\u00e8s des mois de recherches intensives avec votre courtier immobilier, vous \u00eates enfin sur le point d\u2019acheter votre nouvelle maison. Toutefois, lors du passage chez le notaire, ce dernier vous informe avec regret que la propri\u00e9t\u00e9 en question comporte des probl\u00e8mes de titres. Que faire?<\/h3>\n\n\n\n<p>C\u2019est pour r\u00e9pondre \u00e0 ce genre de probl\u00e9matiques que l\u2019assurance titres a \u00e9t\u00e9 cr\u00e9\u00e9e. Elle est en fait une assurance de dommages qui pr\u00e9voit que l\u2019assureur interviendra si l\u2019assur\u00e9 subit des dommages en raison de titres irr\u00e9guliers.<\/p>\n\n\n\n<p>Voici quelques \u00e9l\u00e9ments qui sont couverts par l\u2019assurance titres :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>les arr\u00e9rages de taxes municipales et scolaires;<\/li><li>les empi\u00e8tements sur une servitude ou sur un terrain voisin;<\/li><li>le non-respect des r\u00e8glements municipaux;<\/li><li>les erreurs d\u2019arpentage;<\/li><li>l\u2019absence de certificat de localisation.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Un exemple concret<\/h3>\n\n\n\n<p>Pour mieux comprendre le fonctionnement de l\u2019assurance titres, prenons un exemple concret : vous d\u00e9couvrez chez le notaire que la piscine creus\u00e9e situ\u00e9e dans la cour arri\u00e8re empi\u00e8te sur une servitude d\u2019Hydro-Qu\u00e9bec. La soci\u00e9t\u00e9 d\u2019\u00c9tat aurait donc le droit d\u2019exiger que la piscine soit retir\u00e9e ou d\u00e9plac\u00e9e. Plut\u00f4t que d\u2019annuler la vente sur-le-champ, vous pourriez alors souscrire une assurance titres. Ainsi, si Hydro-Qu\u00e9bec en venait \u00e0 faire une telle demande, l\u2019assureur paierait alors les co\u00fbts des travaux pour le d\u00e9placement de la piscine.<\/p>\n\n\n\n<p>Il est important de r\u00e9aliser que l\u2019assurance titres ne r\u00e8gle pas le probl\u00e8me de titres de la propri\u00e9t\u00e9. Son r\u00f4le est d\u2019assurer le propri\u00e9taire contre les dommages que les titres non conformes de sa maison pourraient lui occasionner dans le futur.<\/p>\n\n\n\n<p>L\u2019assurance titres est une prime qu\u2019on paye une seule fois. Pour une maison unifamiliale moyenne, le co\u00fbt est d\u2019environ 300 $. Bien que l\u2019assurance titres soit habituellement souscrite lors de l\u2019acquisition ou du refinancement de la maison, elle peut \u00eatre souscrite \u00e0 tout moment apr\u00e8s l\u2019achat.<\/p>\n\n\n\n<p>N\u2019h\u00e9sitez pas \u00e0 consulter un notaire qui pourra vous conseiller judicieusement sur la pertinence d\u2019une assurance titres.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Apr\u00e8s des mois de recherches intensives avec votre courtier immobilier, vous \u00eates enfin sur le point d\u2019acheter votre nouvelle maison. Toutefois, lors du passage chez le notaire, ce dernier vous informe avec regret que la propri\u00e9t\u00e9 en question comporte des probl\u00e8mes de titres. Que faire? C\u2019est pour r\u00e9pondre \u00e0 ce genre de probl\u00e9matiques que l\u2019assurance [&hellip;]<\/p>\n","protected":false},"author":400,"featured_media":4261,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-4638","post","type-post","status-publish","format-standard","hentry","category-informations-utiles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>L\u2019assurance titres \u00e0 la rescousse! &#8211; Claudia Morin RE\/MAX Real Estate Broker<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/claudiamorin.com\/informations-utiles\/lassurance-titres-a-la-rescousse\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019assurance titres \u00e0 la rescousse! &#8211; Claudia Morin RE\/MAX Real Estate Broker\" \/>\n<meta property=\"og:description\" content=\"Apr\u00e8s des mois de recherches intensives avec votre courtier immobilier, vous \u00eates enfin sur le point d\u2019acheter votre nouvelle maison. Toutefois, lors du passage chez le notaire, ce dernier vous informe avec regret que la propri\u00e9t\u00e9 en question comporte des probl\u00e8mes de titres. Que faire? 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