Real estate warranty

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Zurich real estate warranty

Anyone who is buying or selling used real estate does not want any risks, if possible. The real estate warranty from Zurich offers perfect protection – for both parties.

Security

New and innovative: Protection for home purchases

Zurich is the first insurer in Switzerland to provide optimum coverage for buyers and sellers of used properties. Because your dream home shouldn't be a nightmare.

Extensive coverage

No unpleasant surprises

When you buy a property, we will safeguard you from the financial consequences of hidden defects or premature failures for two years after the sale. If any building components are defective, we will cover costs required to fix the problem or replace them at their current replacement value. This spares you expensive, disagreeable surprises.

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Sell worry-free

A real estate warranty property guarantee will make your property even more attractive to prospective buyers. You know that the future owners won't be caught off guard by unpleasant surprises and so can pass on your property with a clean conscience.

Benefits at a glance

  • Protection for sellers and buyers of used real estate
  • Protection from financial consequences of hidden damages or premature defects
  • For two years Zurich will assume the repair costs for defective components or their replacement at replacement value
  • Low deductible of only just CHF 500
  • Choice of three package variations with different sums insured (CHF 20,000, CHF 30,000 or CHF 150,000)

Good to know

You’re buying or selling a used property of real estate? As a buyer or seller the Real Estate Warranty from Zurich offers you many advantages, extensive protection and security. It insures the functionality of all relevant components in and on the building – and this over the course of two years after the change of ownership.

Advantages for buyers

  • Protection from the financial consequences of hidden damages or premature defects
  • Two-year warranty on your new home
  • Zurich assumes the repair costs or a replacement at replacement value
  • Low deductible of just CHF 500

Advantages for sellers

  • A Real Estate Warranty for two years increases the chances of a sale of your real estate
  • Protection from arguments with the buyer after the sale
  • Unique selling point

These components are insured

Component insured
Details
Maxi­mum age ot the compo­nents upon time of appli­cation:
Heating Components for heating such as oil heaters and heat pumps are covered.
 25 years
Building installation / building technology
Heavy current installations, plumbing installations, heating installations and ventilation systems are covered.
 40 years
Ventilation systems Heavy current installations, plumbing installations, heating installations and ventilation systems are covered.  30 years
Water softeners / waste water pumps Heavy current installations, plumbing installations, heating installations and ventilation systems are covered.
 20 years
Jacuzzi Heavy current installations, plumbing installations, heating installations and ventilation systems are covered.
 10 years
Roofs All roofs are covered, however, plastic sheet roofs only up to 20 years.
 40 years
Plastic sheet roofs All roofs are covered, however plastic sheet roofs only up to 20 years.  20 years
Frontage, windows, doors, sun protection
Façade systems, sun protection (shutters), façade surfaces and façade openings are covered by the warranty.
 30 years
Conservatories
In the case of conservatories, the building envelope is covered.
 20 years
Built-in household appliances
Washing machine, dryer, stoves and dishwashers are likewise covered.
 10 years

Attractive solution for condominium owners

  • For condominium ownership we offer a separate package variation with a sum insured of CHF 20,000 for a premium of CHF 1,950.
  • The warranty completely covers components that belong solely to the insured. For jointly owned components, the coverage is proportionate to the value ratio of the insured owner.
  • The warranty also applies when there is sufficient money in the renovation fund.

Good to know

  • Start of insurance is the date of the change of ownership
  • For single-family houses, the silver or the gold package is available with a sum insured of CHF 30,000 and CHF 150,000 with a premium of CHF 2,500 or CHF 5,000.
  • The respective insurance premium is the total premium for two years.
  • You can also conclude the Real Estate Warranty when individual components are older than the maximum age. However, only those components that have not yet exceeded the respective maximum age are covered then.
  • The Real Estate Warranty is an ideal complement to buildings insurance.
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Protection for your home

Water damage, burglary, fire – building insurance helps protect you against financial risks.

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Contents Insurance

Contents insurance gives tenants and owners comprehensive coverage for their worldly possessions.

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Retirement Plan

Do you want to have an additional regular source of income after retirement and to profit from your assets for as long as possible? You can do both with the Zurich Invest Payment Plan.