Buildings insurance

Fire, lightning & water damage: Your dream home can all too quickly become a nightmare. Our buildings insurance offers comprehensive protection for your house & garden. Protect yourself while also laying a solid financial foundation for your future.

Image Not Found Covers fire, natural events & glass breakage
Image Not Found Includes all-risk coverage for water damage
Image Not Found Also covers renovation costs
Image Not Found Always includes a practical service package
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How buildings insurance works

Our buildings insurance basic cover protects you, a homeowner, from the most important risks: This includes fire damage, damage caused by natural events and water damage. Plus, you can select supplementary cover according to your personal needs – you might choose buildings liability insurance, insurance for technical equipment or earthquake insurance.

Your benefits

Comprehensive buildings insurance

Valuable protection for your property.

  • Covers all key risks such as natural damage and fire
  • Top water damage protection: thanks to all-risk coverage
  • Covers renovation and repair work up to CHF 200,000
  • Plenty of supplementary insurance available if needed
  • Add: Buildings liability
Building assistance 0848 800 400

We will take care of everything – 24/7.

  • Service package always included
  • We'll arrange a locksmith service
  • Rectify faults, for example issues with
  • Expert advice and monitoring in the even

Buildings insurance at a glance

Coverage types

Basic cover

Supplementary cover

Our advisors are there for you

Our competent advisor team will find the right solutions for you.

Coverage types in detail

In brief

  • Covers the most important risks
  • Fire and natural events
  • All-risk water coverage
  • Covers renovations

Protects against the most important threats
If you own your own home or holiday home, or if you are a group of condominium owners, you can protect yourself against the most important risks for your building:

  • Fire: Flames, smoke, lightning strike, explosion
  • Natural events: Hail, flooding, avalanches, etc.
  • Water: including searching for, uncovering and repairing leaks
  • Glass breakage
  • Damage to buildings caused by break-ins
  • Damage caused by malicious intent
  • Damage by rodents

Note: We only cover damage from fire and natural events in cantons without a cantonal building insurance association.

Water – the best protection on the market
Our buildings insurance is one of the few insurance policies in Switzerland that automatically includes all-risk coverage in the event of water damage. That means, for example, that you will be insured up to CHF 5,000 if water gets in through your windows in the event of an unexpected thunderstorm.

Our basic cover automatically insures you against damage caused by renovation and maintenance work – up to a cost of up to CHF 200,000.

In brief

  • Buildings liability
  • Technical equipment
  • Gardens and crops
  • Earthquakes

Select what you need
Select exactly the supplementary insurance that you need – tailored to suit your home:

  • Buildings liability
  • Technical equipment: fixed equipment such as boilers, ventilation and lifts
  • Earthquakes
  • Gardens and crops: insured against fire, natural events and malicious damage

Valuable legal protection insurance
Legal protection insurance is automatically included in our buildings liability insurance. This coverage protects you in the event of criminal proceedings brought against you as the owner. For example, if you are liable for property damage or personal injury. 

First-class water damage insurance

Instant comprehensive support, plus reimbursement

Our buildings insurance offers some of the best coverage on the market when it comes to water damage. We will provide you with the service of a specialist water damage company at no charge and arrange all necessary repairs:

tick Immediate measures: Stemming the flow of water
tick Locating the leak: Identifying the cause of the damage.
tick Accessing the site of the damage
tick Drying the affected rooms
tick We pay all costs incurred as a consequence of water damage

Practical examples

Buy now with a 5% combined discount

Buildings and household contents insurance in one package.

Do you own a home or holiday home that you use for yourself? Then profit from a 5% combination discount on our buildings and household contents insurance.

Customer opinions

Eva T. 30.04.2024
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Said Abd El Ham 29.04.2024
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Juha-Pekka P. 28.04.2024
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Gaurav M. 26.04.2024
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Kulyk T. 26.04.2024
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Antony Lloyd Pr 17.04.2024
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Rogior Maarten 12.04.2024
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Tugrul I. 12.04.2024
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Andrea S. 07.04.2024
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Questions and answers

Report a claim

Do you need to report a claim? We are here for you.

0800 881 882

Download documents

General Policy Conditions File Size
GPC buildings (in German) PDF 0,1 Mb
GPC garden equipment (in German) PDF 0,1 Mb
GPC technical equipment (in German) PDF 0,1 Mb