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Buildings Insurance
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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Our advisory service
The modular Zurich Buildings Insurance gives you the best protection. We would be glad to advise you.
