{"id":63751,"date":"2025-11-14T11:30:00","date_gmt":"2025-11-14T10:30:00","guid":{"rendered":"https:\/\/www.smovin.app\/?page_id=63751"},"modified":"2025-11-17T14:26:04","modified_gmt":"2025-11-17T13:26:04","slug":"assurance-pno","status":"publish","type":"page","link":"https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/","title":{"rendered":"L\u2019assurance Propri\u00e9taire Non Occupant, qu\u2019est-ce que c\u2019est ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">En tant que <strong>propri\u00e9taire bailleur<\/strong>, vous pensez peut-\u00eatre que <strong>l\u2019assurance habitation<\/strong> souscrite par votre locataire suffit \u00e0 prot\u00e9ger votre bien.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourtant, ce n\u2019est pas toujours le cas. <strong>L\u2019assurance Propri\u00e9taire Non Occupant<\/strong> (PNO) vient justement combler les \u00e9ventuelles lacunes en offrant une <strong>couverture sp\u00e9cifique au propri\u00e9taire<\/strong>, qu\u2019il y ait un locataire en place ou non.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Encore m\u00e9connue, cette assurance peut pourtant s\u2019av\u00e9rer indispensable pour <strong>s\u00e9curiser votre investissement immobilier<\/strong>. Voici pourquoi vous devriez souscrire \u00e0 une <strong>PNO<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"les-points-cle-de-lassurance-proprietaire-non-occupant-pno\"><a href=\"#les-points-cle-de-lassurance-proprietaire-non-occupant-pno\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Les points cl\u00e9 de l\u2019assurance Propri\u00e9taire Non Occupant (PNO)&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L\u2019assurance PNO<\/strong> est une <strong>assurance habitation<\/strong> destin\u00e9e aux <strong>propri\u00e9taires bailleurs<\/strong> qui ne vivent pas dans le logement qu\u2019ils poss\u00e8dent. Contrairement \u00e0 <strong>l\u2019assurance habitation<\/strong> classique, elle n\u2019est pas li\u00e9e \u00e0 <strong>l\u2019occupation du bien<\/strong>, mais \u00e0 la responsabilit\u00e9 du propri\u00e9taire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle couvre notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les <strong>sinistres<\/strong> qui surviennent lorsque le <strong>logement est vide<\/strong> entre deux locations.<\/li>\n\n\n\n<li>Les <strong>dommages<\/strong> <strong>non couverts<\/strong> par l\u2019assurance du locataire ou de la copropri\u00e9t\u00e9.<\/li>\n\n\n\n<li>La <strong>responsabilit\u00e9 civile du bailleur<\/strong>, si le logement cause un dommage \u00e0 un tiers (exemple : d\u00e9g\u00e2t des eaux dans un appartement voisin).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"lassurance-pno-est-elle-obligatoire\"><a href=\"#lassurance-pno-est-elle-obligatoire\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>L\u2019assurance PNO est-elle obligatoire ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En <strong>France<\/strong>, l\u2019assurance PNO est <strong>obligatoire<\/strong> uniquement pour les <strong>copropri\u00e9taires<\/strong>, conform\u00e9ment \u00e0 la loi Alur de 2014. Elle vient en compl\u00e9ment de <strong>l\u2019assurance de copropri\u00e9t\u00e9<\/strong>, mais reste facultative pour les propri\u00e9taires de maisons individuelles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, m\u00eame lorsqu\u2019elle n\u2019est pas impos\u00e9e, il est fortement conseill\u00e9 d\u2019y souscrire. En cas de <strong>sinistre non couvert<\/strong> par le locataire ou par la copropri\u00e9t\u00e9, c\u2019est bien le <strong>propri\u00e9taire bailleur<\/strong> qui assume les frais. Sans assurance PNO, ces co\u00fbts peuvent rapidement devenir lourds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"les-garanties-dune-assurance-pno\"><a href=\"#les-garanties-dune-assurance-pno\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Les garanties d\u2019une assurance PNO<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La plupart des contrats incluent des <strong>garanties<\/strong> proches de celles d\u2019une <strong>assurance habitation<\/strong> classique, avec quelques sp\u00e9cificit\u00e9s adapt\u00e9es aux bailleurs :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Incendie, d\u00e9g\u00e2t des eaux, explosion,<\/li>\n\n\n\n<li>Catastrophes naturelles,<\/li>\n\n\n\n<li>Vandalisme ou d\u00e9gradations volontaires,<\/li>\n\n\n\n<li>Dommages \u00e9lectriques,<\/li>\n\n\n\n<li>Responsabilit\u00e9 civile du propri\u00e9taire.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines assurances proposent aussi des <strong>options compl\u00e9mentaires<\/strong> comme la <strong>protection juridique<\/strong> ou <a href=\"https:\/\/www.smovin.app\/fr-fr\/loyers-impayes\/garanties\/\">la garantie loyers impay\u00e9s<\/a>, utiles pour s\u00e9curiser encore davantage votre investissement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"la-difference-entre-lassurance-habitation-locative-et-la-pno\"><a href=\"#la-difference-entre-lassurance-habitation-locative-et-la-pno\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>La diff\u00e9rence entre l\u2019assurance habitation locative et la PNO<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L\u2019assurance habitation locative<\/strong>, souscrite par le locataire, couvre avant tout ses <strong>biens personnels<\/strong> (mobilier, \u00e9lectrom\u00e9nager, effets personnels) ainsi que sa <strong>responsabilit\u00e9 civile<\/strong> lorsqu\u2019il cause un dommage au logement ou \u00e0 des tiers. Elle prot\u00e8ge donc principalement <strong>l\u2019occupant<\/strong> et ses propres int\u00e9r\u00eats.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l\u2019inverse, <strong>l\u2019assurance PNO<\/strong> est destin\u00e9e au <strong>propri\u00e9taire bailleur<\/strong> : elle intervient pour <strong>couvrir le logement<\/strong> en lui-m\u00eame, qu\u2019il soit occup\u00e9 ou vide, et prend en charge les sinistres qui ne seraient <strong>pas couverts par l\u2019assurance du locataire<\/strong> (par exemple, un d\u00e9g\u00e2t des eaux survenant pendant une vacance locative ou un vice de construction).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9sum\u00e9, <strong>l\u2019assurance locataire<\/strong> prot\u00e8ge <strong>l\u2019occupant<\/strong>, tandis que la <strong>PNO<\/strong> prot\u00e8ge le <strong>bien immobilier<\/strong> et la <strong>responsabilit\u00e9 civile du propri\u00e9taire<\/strong>. Les deux sont donc compl\u00e9mentaires et non substituables.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"pourquoi-souscrire-une-assurance-pno\"><a href=\"#pourquoi-souscrire-une-assurance-pno\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Pourquoi souscrire une assurance PNO ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Souscrire une <strong>assurance PNO<\/strong>, c\u2019est avant tout :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Prot\u00e9ger<\/strong> votre patrimoine immobilier contre les sinistres.<\/li>\n\n\n\n<li><strong>\u00c9viter des frais<\/strong> impr\u00e9vus non couverts par d\u2019autres assurances.<\/li>\n\n\n\n<li><strong>Assurer la continuit\u00e9<\/strong> de la protection, m\u00eame en cas de logement vacant.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est donc une <strong>d\u00e9pense ma\u00eetris\u00e9e<\/strong> qui peut vous \u00e9viter de lourdes pertes financi\u00e8res en cas de probl\u00e8me.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L\u2019assurance Propri\u00e9taire Non Occupant<\/strong> (PNO) est une protection indispensable pour tout bailleur qui souhaite s\u00e9curiser son investissement. Si elle est <strong>obligatoire<\/strong> pour les <strong>copropri\u00e9taires<\/strong>, elle reste fortement <strong>recommand\u00e9e<\/strong> pour tous les <strong>autres<\/strong> <strong>propri\u00e9taires<\/strong>. Elle couvre les <strong>p\u00e9riodes de vacance locative<\/strong>, les <strong>sinistres non pris en charge<\/strong> par le locataire et engage la <strong>responsabilit\u00e9 civile du bailleur<\/strong>. En bref, une <strong>assurance PNO<\/strong> bien choisie vous permet d\u2019aborder votre projet locatif avec s\u00e9r\u00e9nit\u00e9.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.smovin.app\/fr-fr\/prenez-rendez-vous\/?utm_source=seo&amp;utm_medium=article-5-rdv&amp;utm_campaign=banner-rdv-france\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"307\" src=\"https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv-1024x307.png\" alt=\"\" class=\"wp-image-58348\" srcset=\"https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv-1024x307.png 1024w, https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv-300x90.png 300w, https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv-768x230.png 768w, https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv-1536x461.png 1536w, https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv.png 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>En tant que propri\u00e9taire bailleur, vous pensez peut-\u00eatre que l\u2019assurance habitation souscrite par votre locataire suffit \u00e0 prot\u00e9ger votre bien. [&hellip;]<\/p>\n","protected":false},"author":208846801,"featured_media":63658,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"cybocfi_hide_featured_image":"","footnotes":""},"categories":[6579],"tags":[6567],"class_list":["post-63751","page","type-page","status-publish","has-post-thumbnail","hentry","category-blog-fr-fr","tag-seo-france-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L&#039;assurance PNO, qu&#039;est-ce que c&#039;est ? | Smovin<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez l\u2019assurance PNO : son r\u00f4le, ses garanties et pourquoi elle est essentielle pour tout propri\u00e9taire bailleur en France.\" \/>\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.smovin.app\/fr-fr\/assurance-pno\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L&#039;assurance PNO, qu&#039;est-ce que c&#039;est ? | Smovin\" \/>\n<meta property=\"og:description\" content=\"D\u00e9couvrez l\u2019assurance PNO : son r\u00f4le, ses garanties et pourquoi elle est essentielle pour tout propri\u00e9taire bailleur en France.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/\" \/>\n<meta property=\"og:site_name\" content=\"Smovin | Focus on what really matters\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-17T13:26:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/10\/Assurance-proprietaire-non-occupant-France.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-fr\\\/assurance-pno\\\/\",\"url\":\"https:\\\/\\\/www.smovin.app\\\/fr-fr\\\/assurance-pno\\\/\",\"name\":\"L'assurance PNO, qu'est-ce que c'est ? | Smovin\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-fr\\\/assurance-pno\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-fr\\\/assurance-pno\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.smovin.app\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/Assurance-proprietaire-non-occupant-France.webp\",\"datePublished\":\"2025-11-14T10:30:00+00:00\",\"dateModified\":\"2025-11-17T13:26:04+00:00\",\"description\":\"D\u00e9couvrez l\u2019assurance PNO : son r\u00f4le, ses garanties et pourquoi elle est essentielle pour tout propri\u00e9taire bailleur en France.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-fr\\\/assurance-pno\\\/#breadcrumb\"},\"inLanguage\":\"fr-fr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.smovin.app\\\/fr-fr\\\/assurance-pno\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-fr\",\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-fr\\\/assurance-pno\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.smovin.app\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/Assurance-proprietaire-non-occupant-France.webp\",\"contentUrl\":\"https:\\\/\\\/www.smovin.app\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/Assurance-proprietaire-non-occupant-France.webp\",\"width\":1200,\"height\":800,\"caption\":\"Assurance proprie\u0301taire non occupant France\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-fr\\\/assurance-pno\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/www.smovin.app\\\/fr-fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"L\u2019assurance Propri\u00e9taire Non Occupant, qu\u2019est-ce que c\u2019est ?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#website\",\"url\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/\",\"name\":\"Smovin | Focus on what really matters\",\"description\":\"Application de gestion locative puissante et intuitive pour investisseurs immobiliers.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-fr\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#organization\",\"name\":\"Smovin\",\"url\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-fr\",\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.smovin.app\\\/wp-content\\\/uploads\\\/2021\\\/07\\\/LogoSmovinColors.svg\",\"contentUrl\":\"https:\\\/\\\/www.smovin.app\\\/wp-content\\\/uploads\\\/2021\\\/07\\\/LogoSmovinColors.svg\",\"width\":540,\"height\":103,\"caption\":\"Smovin\"},\"image\":{\"@id\":\"https:\\\/\\\/www.smovin.app\\\/fr-be\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"L'assurance PNO, qu'est-ce que c'est ? | Smovin","description":"D\u00e9couvrez l\u2019assurance PNO : son r\u00f4le, ses garanties et pourquoi elle est essentielle pour tout propri\u00e9taire bailleur en France.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/","og_locale":"fr_FR","og_type":"article","og_title":"L'assurance PNO, qu'est-ce que c'est ? | Smovin","og_description":"D\u00e9couvrez l\u2019assurance PNO : son r\u00f4le, ses garanties et pourquoi elle est essentielle pour tout propri\u00e9taire bailleur en France.","og_url":"https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/","og_site_name":"Smovin | Focus on what really matters","article_modified_time":"2025-11-17T13:26:04+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/10\/Assurance-proprietaire-non-occupant-France.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/","url":"https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/","name":"L'assurance PNO, qu'est-ce que c'est ? | Smovin","isPartOf":{"@id":"https:\/\/www.smovin.app\/fr-be\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/#primaryimage"},"image":{"@id":"https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/#primaryimage"},"thumbnailUrl":"https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/10\/Assurance-proprietaire-non-occupant-France.webp","datePublished":"2025-11-14T10:30:00+00:00","dateModified":"2025-11-17T13:26:04+00:00","description":"D\u00e9couvrez l\u2019assurance PNO : son r\u00f4le, ses garanties et pourquoi elle est essentielle pour tout propri\u00e9taire bailleur en France.","breadcrumb":{"@id":"https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/#breadcrumb"},"inLanguage":"fr-fr","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/"]}]},{"@type":"ImageObject","inLanguage":"fr-fr","@id":"https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/#primaryimage","url":"https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/10\/Assurance-proprietaire-non-occupant-France.webp","contentUrl":"https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/10\/Assurance-proprietaire-non-occupant-France.webp","width":1200,"height":800,"caption":"Assurance proprie\u0301taire non occupant France"},{"@type":"BreadcrumbList","@id":"https:\/\/www.smovin.app\/fr-fr\/assurance-pno\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.smovin.app\/fr-fr\/"},{"@type":"ListItem","position":2,"name":"L\u2019assurance Propri\u00e9taire Non Occupant, qu\u2019est-ce que c\u2019est ?"}]},{"@type":"WebSite","@id":"https:\/\/www.smovin.app\/fr-be\/#website","url":"https:\/\/www.smovin.app\/fr-be\/","name":"Smovin | Focus on what really matters","description":"Application de gestion locative puissante et intuitive pour investisseurs immobiliers.","publisher":{"@id":"https:\/\/www.smovin.app\/fr-be\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.smovin.app\/fr-be\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-fr"},{"@type":"Organization","@id":"https:\/\/www.smovin.app\/fr-be\/#organization","name":"Smovin","url":"https:\/\/www.smovin.app\/fr-be\/","logo":{"@type":"ImageObject","inLanguage":"fr-fr","@id":"https:\/\/www.smovin.app\/fr-be\/#\/schema\/logo\/image\/","url":"https:\/\/www.smovin.app\/wp-content\/uploads\/2021\/07\/LogoSmovinColors.svg","contentUrl":"https:\/\/www.smovin.app\/wp-content\/uploads\/2021\/07\/LogoSmovinColors.svg","width":540,"height":103,"caption":"Smovin"},"image":{"@id":"https:\/\/www.smovin.app\/fr-be\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.smovin.app\/fr-fr\/wp-json\/wp\/v2\/pages\/63751","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smovin.app\/fr-fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.smovin.app\/fr-fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.smovin.app\/fr-fr\/wp-json\/wp\/v2\/users\/208846801"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smovin.app\/fr-fr\/wp-json\/wp\/v2\/comments?post=63751"}],"version-history":[{"count":1,"href":"https:\/\/www.smovin.app\/fr-fr\/wp-json\/wp\/v2\/pages\/63751\/revisions"}],"predecessor-version":[{"id":63752,"href":"https:\/\/www.smovin.app\/fr-fr\/wp-json\/wp\/v2\/pages\/63751\/revisions\/63752"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smovin.app\/fr-fr\/wp-json\/wp\/v2\/media\/63658"}],"wp:attachment":[{"href":"https:\/\/www.smovin.app\/fr-fr\/wp-json\/wp\/v2\/media?parent=63751"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smovin.app\/fr-fr\/wp-json\/wp\/v2\/categories?post=63751"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smovin.app\/fr-fr\/wp-json\/wp\/v2\/tags?post=63751"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}