Building insurance optimal protection for your home
With building insurance from Helvetia, you are fully covered – beyond the cantonal building insurance. simply provides personal help for selecting and taking out your insurance.
Why is building insurance a good idea?
Protect your building, property and all equipment permanently connected to the building against risks that are not covered by the mandatory building insurance.
Extend your insurance in a targeted manner – e.g. to include all-risk, earthquake, surroundings, garden sheds, water damage and more.
Helvetia is always at your side in you have a claim – and simply helps you choose the right insurance coverage
Take out several Helvetia products, and benefit from up to a 20% discount.
Basic benefits of building insurance at a glance
Helvetia’s voluntary building insurance supplements the basic protection of the cantons and covers a variety of other risks.
Insured is damage to:
Buildings
Property
Garden sheds, driveways, gardens, trees and lawns.
Permanently installed equipment and infrastructure
Heating systems, photovoltaic systems, lifts, charging stations for electric cars, etc.
Typical claims that are covered
The specific scope of services and the sum insured are derived from your policy and the additional coverage chosen. simply clarifies all details during a personal consultation.
Supplementary building insurance policies with Helvetia
We're here to help video consultation
Personal, digital, flexible: our video consultation answers your questions.
Combo discount
Combine two Helvetia products (e.g., home contents and personal liability insurance) and receive a 5% discount; each additional product provides an extra 5%, up to a maximum of 20%.
Services – just more help in everyday life
Frequently asked questions
1. Is building insurance mandatory for me?
In most cantons, building insurance is voluntary with the exception of what are known as the GUSTAVO cantons (Geneva, Uri, Schwyz, Ticino, Appenzell Innerrhoden, Valais, Obwalden) and the cantons of Nidwalden, Vaud, Fribourg and Jura where it is mandatory or where there are special rules. We will advise you individually on your region.
2. What is all insured?
In principle, all systems, equipment and the property permanently connected to the building are insured. The exact scope is derived from your policy and the selected modules.
3. Does the protection also apply to photovoltaic systems?
Fire and natural disaster damage are often covered by cantonal insurance. For comprehensive protection, we recommend additional photovoltaic insurance, which also provides coverage against theft, loss of earnings and other damage.
4. How do I calculate the sum insured?
For an accurate assessment, we offer a personal consultation request a callback.
5. Which additional coverage is beneficial?
Depending on the location, equipment and use of your property, we recommend additional coverage such as earthquake, all-risk or environmental protection. We will clarify the details in a consultation.
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