Steht gut da. Unsere Gebäudeversicherung.

Sitting pretty.
Our buildings insurance.

You are a proud homeowner. Or you have inherited your parents’ beloved house. As the owner of a building, it is important to you to cover your property comprehensively. Property damage and liability risks should not be underestimated.

Our buildings insurance covers everything that is permanently installed in the building: oil tanks, power distributors, window panes, wash basins and much more. Movable property such as furniture is not considered to be part of the building and is covered by your household contents insurance.

THIS IS INCLUDED

Our buildings insurance is modular and can be adapted flexibly to meet your needs. Choose from the following components:

Fire and natural hazard damage

A cosy evening by the fire suddenly turns into not-so-cosy blaze that destroys part of the room. A violent storm damages your new awning. Our buildings insurance pays for the financial consequences of fire and natural hazard damage. It also covers damage to doors, windows and floors, for example, and it does so quickly and with a minimum of bureaucracy.

Good to know:

Insurance for fire and natural hazard damage is mandatory in most Swiss cantons and is provided by the cantonal buildings insurance scheme. It is also compulsory in Uri, Schwyz and Obwalden, but in these cantons you can choose for yourself which insurer to use. In Geneva, Ticino, Valais and the canton of Appenzell Innerrhoden – except in the district of Oberegg – insurance for fire and natural hazard damage is not mandatory.

Water damage

A water pipe leaks, flooding the kitchen and raining through the ceiling onto the floor below. With our buildings insurance, you will soon have dry ground under your feet again. It will pay the costs of:

Locating and exposing leaky pipes
Repairing pipes
Repairing or replacing wet ceilings, floors, walls, etc.
Tidying up

Burglary and theft

At least the alarm system worked. However, the door to your house was badly damaged during an attempted break-in and has to be replaced. Our buildings insurance will cover the costs.

Earthquake

The ground shakes, the walls start to wobble – and all of sudden a crack appears in the façade. Earthquakes are not uncommon in Switzerland. Of course, many of them are minor shocks that we do not feel and which fortunately do not cause any damage. However, in terms of the lifespan of a building, there is a relatively high probability that damage will be caused by an earthquake: due to displacement of the foundation, a burst pipe or falling pieces of wall, for example.

What many homeowners are unaware of is that most cantonal buildings insurers do not offer comprehensive financial protection for earthquakes. You can close this gap with our buildings insurance. The insurance covers not only damage caused by the earthquake itself but also costs incurred after an earthquake, such as clean-up costs or loss of rental income.

Glass breakage

Your panorama windows, your natural stone sink and your ceramic hotplates – a small crack can cause a lot of damage. Fortunately, our buildings insurance covers this.

Good to know:

You can also insure glazing in buildings as part of your household contents policy.

Our services in the event of a claim – emergency assistance and grants

Do you need help quickly? Our experts will assist you free of charge. For example, if your oil tank leaks and needs to be sealed quickly.
Water damage has destroyed your old oil-firedboiler and you would like to take the opportunity to switch to a heat pump? We will support you with this. With our “Build Back Better” grant, you will receive a lump sum of CHF 5,000* if you renovate damaged building parts to make them more energy-efficient after a claim or use renewable energy sources during reconstruction. Requirements: the loss must be insured in the policy, the loss amount must be at least CHF 20,000 and proof of the additional costs must be provided. In this way, a setback becomes an opportunity for a more sustainable future.

Buildings liability

A passer-by slips and falls over in front of your house. The old pine tree in your garden falls onto your neighbour’s house. If you rent out your building and something happens, you as the owner are responsible. Our buildings liability insurance will cover the costs so that you don’t have to foot the bill.

Good to know:

If you live in your property yourself, you are already covered by your personal liability insurance.

ADDITIONAL COVERAGES

In addition to the basic modules, you can customise your buildings/property insurance with the following extras:

Comprehensive buildings cover

Martens have moved into your house and gnawed holes in the roof insulation, and you only notice when rainwater starts dripping through the ceiling. Our buildings insurance covers damage caused by martens and other wild animals.

Home protection

You accidentally lock yourself out of your family home. Your TV suddenly gives up the ghost. You discover a wasp’s nest under the roof. We will help you quickly and with a minimum of fuss. Our home protection cover offers great extra protection for your home and everything in it.

Smart Home

The wind sensor on your awnings suddenly goes crazy. After an update, the ceiling speakers in your bathroom no longer work. With this addition to your buildings insurance, we cover damage to technical equipment that is permanently installed in your building.

Individual extensions

You can tailor our property insurance specifically to your personal needs. And cover loss of rental income due to fire and natural hazard damage, for example, or the costs of changing the locks if your keys have been stolen.

Outdoor facilities and surroundings

A heavy storm spells the end for the stately spruce tree in your garden – it will have to be removed. A hailstorm ruins your fruit trees. A supply pipe to the swimming pool breaks and needs to be repaired. With this add-on, the buildings insurance also covers outdoor facilities. Earthquake damage can be insured as well.