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Assurance habitation ou responsabilité civile ?

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pour un dégat des eaux, quelle assurance s'applique c'est l'assurance habitation ou la responsabilité civile ?

mon voisin vient de me dire que c'est ma rc qui va marcher mais mon proprio me dit que c'est mon assurance habitation

bref suis un peu perdu, merci de vos lumières !

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