Buildings Insurance

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.

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    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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    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

    Our advisory service

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

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