Information and frequently asked questions about the Buildings Insurance
Zurich delivers the optimum choice of solutions for your individual building insurance.
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
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
Exclusive 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
- In the event of emergencies at home, getting fast help is important. Home Assistance insurance arranges an expert and pays for his 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
More details
- 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
Downloads
Living guide
Water damage – what you need to know
Whether it's a burst pipe or a wet basement: Water damage can have many causes. Find out everything you need to know about "water damage" – who pays, how do I protect myself, and what do I do if it happens anyway?
Learn more
As a result, you enjoy all-round protection at home.
Household insurance covers household contents insurance and personal liability insurance and is the basic insurance for your home.
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Thunderstorms: how you can protect yourself
Lightning strikes around 150,000 times a year in Switzerland. You can protect yourself effectively by following a few simple rules.
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Natural disasters – Do you know your risks?
The frequency and intensity of natural disasters and flooding or landslides is increasing as a result of climate change. How safe is your location?
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Staying safe during storms
January and July are the big storm months in Switzerland. Storms not only cause extensive damage to property, but can also be dangerous for people. How to protect yourself.
Learn more