Buildings Insurance

Financial security if your property is damaged

Fire, flood, storm and hail – loss and damage can happen so quickly at home or your vacation residence. No need to worry about any possible financial consequences when you have Zurich Buildings Insurance coverage for your property. You can conveniently calculate your personal premium online.

Calculate your premium now

Extensive cost recovery

Extensive costs (for example exposure costs for cables and pipes) are also covered in the basic insurance.

Protection against earthquakes

You decide whether you would like to insure your building against earthquakes or not.

Remove graffiti – at no cost to you

Malicious damage to your building (for example graffiti) is also covered up to CHF 2,000.

Benefits at a glance

Combine modules to create your personalized insurance
Replacement of belongings at their new replacement value - after three claim-free years with no deductible (except losses caused by natural hazards)
In the event of a loss Zurich will coordinate all craftspeople and other involved parties for you
You decide whether after three claim-free years you would like to benefit from 15% premium reimbursement
Lump-sum insurance for glass breakage
Your free 24-hour service line in the event of a loss in Switzerland is 0800 80 80 80; dial +41 44 628 98 98 from anywhere else in the world

In detail

Basic insurance

Zurich pays the costs relating to the following factors:

Fire and smoke damage as well as damage caused by natural hazards such as flooding, hail and storms
Water damage resulting from damaged pipes and systems as well as installations and equipment connected to said pipes and systems. Exposure costs up to CHF 20,000 are covered
Damage caused by rain, snow and melting water that penetrate the building from outside, as well as damage to the building interior caused by a sewage backlog
Loss of rent, cost of living, clearance and disposal up to 10% of the buildings insurance sum

Supplementary insurance

Glass breakage insurance for glass in furniture and buildings
Damage to the building caused by earthquakes or volcanic eruptions
Benefit increase in costs for detection, exposure and repairs following a burst pipe

Exclusively from your insurance advisor

Benefit increase in costs for the cost of living, clearance, disposal, loss of rent in the case of subletting, as well as the costs of changing locks following a break-in
Damage caused by wild rodents such as martens or rats (bites) – up to the agreed sum insured
Accidental damage to cultivated areas: damage to objects kept outdoors, such as plants, lawns, shrubs or trees, paved and gravel paths, as well as fountains and ponds
Home Care Service: coordination and coverage of costs for an immediate response in emergency situations, such as emergency locks, emergency glazing, pipe cleaning or guard service
Standard domestic installations: damage to all fixed domestic installations, such as heating, solar or photovoltaic systems
Building liability for single- or multiple-occupancy dwellings not occupied by the policyholder

Attractive terms

No reduction in benefits in case of underinsurance (up to a maximum 10% of the sum insured or CHF 30,000) with the exception of damage caused by natural hazards
Up to the age of 25, you benefit from a young person’s discount of up to 20% on your household policy
Up to the age of 30, you benefit from a maximum 10% premium discount on your household policy
You benefit from Zurich's partnership with Securitas Direct, provider of state-of-the-art alarm systems for your home
Waldis Safes: Zurich's partner for optimum security solutions for valuable items

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GCI Household Insurance [PDF, 471 KB]

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Calculate your premium now

Create your individual insurance package and immediately receive your personal premium offer. Then conclude your building insurance policy conveniently online.

Calculate premium