{"id":53663,"date":"2019-03-21T08:57:34","date_gmt":"2019-03-21T07:57:34","guid":{"rendered":"https:\/\/reassurez-moi.fr\/guide\/?page_id=53663"},"modified":"2026-02-02T15:53:35","modified_gmt":"2026-02-02T14:53:35","slug":"souscrire","status":"publish","type":"page","link":"https:\/\/guide-preprod.top-secret-rm.com\/guide\/assurance-loyer-impaye\/souscrire","title":{"rendered":"GLI &#8211; Souscrire"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">Pourquoi souscrire une assurance loyer impay\u00e9 (GLI) ?<\/h1>\n\n\n\n<p><strong>Une Garantie Loyers Impay\u00e9s (GLI) permet de couvrir les retards ou les loyers impay\u00e9s d\u2019un locataire, mais \u00e9galement les d\u00e9gradations immobili\u00e8res, la vacance locative ou encore le d\u00e9part pr\u00e9matur\u00e9 du locataire. \u00c0 quelles conditions ? Combien co\u00fbte une assurance loyer impay\u00e9 ? Est-ce possible d\u2019en souscrire une en cours de bail ? Tour d\u2019horizon du sujet !<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Que couvre une assurance loyer impay\u00e9 ?<\/strong><\/h2>\n\n\n\n<p><strong>Une assurance loyer impay\u00e9 (GLI) assure notamment :&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"is-style-pros-2 wp-block-list\"><li>l\u2019indemnisation des \u00e9ventuelles d\u00e9t\u00e9riorations immobili\u00e8res (hormis usure habituelle),&nbsp;<\/li><li>la prise en charge des frais de proc\u00e9dure contre le locataire,&nbsp;&nbsp;<\/li><li>l\u2019indemnisation en cas de d\u00e9part pr\u00e9matur\u00e9 du locataire,&nbsp;<\/li><li>et la compensation des pertes de loyers en cas de vacance locative.&nbsp;&nbsp;<\/li><\/ul>\n\n\n\n<div class=\"wp-block-mars-information icon-warning\"><i class=\"icon\"><\/i><p>Attention : vous ne pouvez pas cumuler la caution du locataire et une GLI, et les <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-loyer-impaye\/conditions\">conditions de souscription d\u2019une GLI<\/a> peuvent sensiblement varier d\u2019un assureur \u00e0 un autre !\u00a0<\/p><\/div>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Ainsi, en cas de d\u00e9faillance de paiement du loyer par le locataire,<\/strong> l\u2019assurance loyer impay\u00e9 vient se substituer au locataire et directement indemniser le montant du loyer au propri\u00e9taire-bailleur.\u00a0<\/p>\n\n\n\n<div class=\"wp-block-mars-information icon-info\"><i class=\"icon\"><\/i><p>Le loyer maximum pris en charge par une GLI varie suivant l\u2019assureur et le plafond n\u00e9goci\u00e9 dans le contrat.<\/p><\/div>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Pour trouver la meilleure assurance loyer impay\u00e9 (GLI) du march\u00e9 et vous pr\u00e9munir de tout risque de non-paiement du loyer, n\u2019h\u00e9sitez pas \u00e0 utiliser notre comparateur en ligne ! <\/strong>En quelques clics et de mani\u00e8re totalement gratuite, vous aurez ainsi acc\u00e8s \u00e0 de multiples devis personnalis\u00e9s en fonction des sp\u00e9cificit\u00e9s de votre bien immobilier mis en location, de votre profil et de votre budget !<\/p>\n\n\n\n<div class=\"flex  wp-block-rm-advertizing-block fix-in-sidebar\"><div class=\"image-container flex justify-center align-items-center py-3\"><img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\" alt=\"reassurez-moi illustration\" class=\"wp-block-rm-advertizing-image\" loading=\"lazy\"\/><\/div><div class=\"\n                    rm-advertblock-container\n                    flex flex-column justify-center\n                    align-items-start\n                \"><p class=\"wp-block-rm-advertizing-text\n                              \n                            \">Garantie loyer impay\u00e9 : les meilleures offres 2026<\/p><a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-loyer-impaye\" class=\"wp-block-rm-advertizing-button\"><span class=\"wp-block-rm-advertizing-button-text\">Assurance loyer impay\u00e9<\/span><\/a><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment souscrire une Garantie Loyers Impay\u00e9s (GLI) ?<\/strong><\/h2>\n\n\n\n<p><strong>Pour souscrire une Garantie Loyers Impay\u00e9s (GLI), diff\u00e9rentes conditions doivent \u00eatre respect\u00e9es par le locataire,<\/strong> telles que :&nbsp;<\/p>\n\n\n\n<ul class=\"is-style-arrow-right wp-block-list\"><li>avoir une situation professionnelle stable (de pr\u00e9f\u00e9rence un CDI, Contrat \u00e0 Dur\u00e9e Ind\u00e9termin\u00e9e),<\/li><li>avoir des revenus r\u00e9guliers et pr\u00e9visibles,&nbsp;<\/li><li>\u00eatre solvable,&nbsp;<\/li><li>pouvoir justifier de cette solvabilit\u00e9 (ou fournir une attestation de simulation d\u2019APL et\/ou une caution pour les \u00e9tudiants et les apprentis).&nbsp;<\/li><\/ul>\n\n\n\n<div class=\"wp-block-mars-information icon-info\"><i class=\"icon\"><\/i><p>Si vous souhaitez souscrire une GLI en cours de bail et que votre locataire est pr\u00e9sent dans le logement depuis au moins 6 mois sans le moindre impay\u00e9, la condition de solvabilit\u00e9 sera alors r\u00e9put\u00e9e comme automatiquement acquise !<\/p><\/div>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Il existe d\u2019autres conditions li\u00e9es au logement ou encore au loyer afin de pouvoir souscrire une GLI, <\/strong>\u00e0 savoir :&nbsp;<\/p>\n\n\n\n<ul class=\"is-style-pros-2 wp-block-list\"><li>le logement doit \u00eatre la r\u00e9sidence principale du locataire,&nbsp;<\/li><li>le montant du loyer garanti ne doit g\u00e9n\u00e9ralement pas d\u00e9passer les 2 500 \u20ac par mois (plafond variable suivant les assureurs),&nbsp;<\/li><li>le contrat de bail doit a minima inclure une clause r\u00e9solutoire et une clause de solidarit\u00e9 en cas de colocation.&nbsp;&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quand faut-il souscrire une assurance loyer impay\u00e9 ?<\/strong><\/h2>\n\n\n\n<p><strong>Une assurance loyer impay\u00e9 peut \u00eatre souscrite d\u00e8s le d\u00e9but du bail.<\/strong><\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>D\u00e8s lors, il faudra fournir \u00e0 l\u2019assureur :&nbsp;<\/p>\n\n\n\n<ul class=\"is-style-pros wp-block-list\"><li>Le contrat de bail,<\/li><li>L\u2019attestation d\u2019assurance habitation,<\/li><li>La pi\u00e8ce d\u2019identit\u00e9 de votre locataire,<\/li><li>Votre pi\u00e8ce d\u2019identit\u00e9 en tant que propri\u00e9taire-bailleur,&nbsp;<\/li><li>L\u2019\u00e9tat des lieux d\u2019entr\u00e9e dans le logement (indispensable en cas de d\u00e9gradations locatives);<\/li><\/ul>\n\n\n\n<div class=\"wp-block-mars-information icon-check\"><i class=\"icon\"><\/i><p>Chaque assureur est libre de d\u00e9terminer les justificatifs qu\u2019il souhaite recevoir !<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Peut-on souscrire une assurance loyer impay\u00e9 en cours de bail ?<\/strong><\/h2>\n\n\n\n<p><strong>Oui, il est tout \u00e0 fait possible de souscrire \u00e0 une assurance loyer impay\u00e9 en cours de bain.\u00a0<\/strong><\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Pour cela, <\/strong><strong>vous devez prouver \u00e0 l\u2019assureur que le locataire n\u2019a pas fait l\u2019objet d\u2019un d\u00e9faut de paiement durant les 6 derniers mois. <\/strong>Vous devez \u00e9galement transmettre le dossier de location complet que vous avez constitu\u00e9 avec votre locataire \u00e0 la signature du bail.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qui doit souscrire une assurance loyer impay\u00e9 ?<\/strong><\/h2>\n\n\n\n<p><strong>L\u2019assurance loyer impay\u00e9 doit \u00eatre souscrite par le propri\u00e9taire-bailleur,<\/strong> car elle permet de le prot\u00e9ger contre les risques de loyer impay\u00e9, de d\u00e9gradation de son bien ou encore de vacance locative.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1701807939697\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Pourquoi souscrire une assurance loyer impay\u00e9 ?<\/h3> <p class=\"schema-faq-answer\">En tant que propri\u00e9taire-bailleur, la<strong> souscription d\u2019une Garantie Loyers Impay\u00e9s (GLI) <\/strong>vous permet notamment d\u2019\u00eatre <strong>indemnis\u00e9 en cas de :<\/strong>\u00a0<br\/>&#8211; loyers impay\u00e9s,\u00a0<br\/>&#8211; d\u00e9t\u00e9riorations immobili\u00e8res (hormis usure habituelle),\u00a0<br\/>&#8211; frais de proc\u00e9dure contre le locataire,\u00a0\u00a0<br\/>&#8211; d\u00e9part pr\u00e9matur\u00e9 du locataire,\u00a0<br\/>&#8211; p\u00e9riodes de vacance locative. \u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1701807959624\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Puis-je cumuler caution du locataire et GLI en cas de loyers impay\u00e9s ?<\/h3> <p class=\"schema-faq-answer\"><strong>Non ! <\/strong>Il n\u2019est pas possible de solliciter la caution du locataire et d\u2019activer votre assurance loyer impay\u00e9 de propri\u00e9taire en m\u00eame temps.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1701807965096\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Combien co\u00fbte une assurance loyer impay\u00e9 ?<\/h3> <p class=\"schema-faq-answer\">Le co\u00fbt d\u2019une assurance loyer impay\u00e9 est g\u00e9n\u00e9ralement compris <strong>entre 2 et 5 % du loyer annuel (charges comprises)<\/strong> !<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1701807973904\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Quelles conditions doivent \u00eatre respect\u00e9es par le propri\u00e9taire pour souscrire une garantie loyer impay\u00e9 ?<\/h3> <p class=\"schema-faq-answer\"><strong>Le propri\u00e9taire doit respecter certaines conditions <\/strong>au regard de son logement afin de pouvoir souscrire une GLI, \u00e0 savoir :\u00a0<br\/>&#8211; le logement doit \u00eatre la r\u00e9sidence principale du locataire,\u00a0<br\/>&#8211; le montant du loyer garanti ne doit g\u00e9n\u00e9ralement pas d\u00e9passer les 2 500 \u20ac par mois (plafond variable suivant les assureurs),\u00a0<br\/>&#8211; le contrat de bail doit a minima inclure une clause r\u00e9solutoire et une clause de solidarit\u00e9 en cas de colocation.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1701807996251\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Un locataire peut-il souscrire et faire jouer une assurance loyer impay\u00e9 ?<\/h3> <p class=\"schema-faq-answer\"><strong>Non pas du tout !<\/strong> Seul le propri\u00e9taire-bailleur peut faire appel \u00e0 une assurance loyer impay\u00e9 afin d\u2019\u00eatre <strong>indemnis\u00e9 des loyers impay\u00e9s par son locataire<\/strong>. \u00c0 l\u2019inverse, une GLI ne permet donc pas d\u2019aider un locataire \u00e0 payer sa dette locative.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pourquoi souscrire une assurance loyer impay\u00e9 (GLI) ? Une Garantie Loyers Impay\u00e9s (GLI) permet de couvrir les retards ou les loyers impay\u00e9s d\u2019un locataire, mais \u00e9galement les d\u00e9gradations immobili\u00e8res, la vacance locative ou encore le d\u00e9part pr\u00e9matur\u00e9 du locataire. \u00c0 quelles conditions ? Combien co\u00fbte une assurance loyer impay\u00e9 ? Est-ce possible d\u2019en souscrire une\u2026<\/p>\n","protected":false},"author":86,"featured_media":0,"parent":37824,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[599],"class_list":["post-53663","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quand et comment souscrire une assurance loyer impay\u00e9 ?<\/title>\n<meta name=\"description\" content=\"Une assurance loyer impay\u00e9 couvre notamment les impay\u00e9s de loyers d\u2019un locataire. \u00c0 quelles conditions ? Son prix ? 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