Building insurance optimal protection for your home

With Zurich’s building property insurance, you’re comprehensively covered – beyond cantonal building insurance. simply provides personal support in choosing and taking out the policy.

Why is building insurance a good idea?

Basic benefits of building insurance at a glance

Zurich’s voluntary building property insurance complements the cantons’ basic cover and insures you against a wide range of additional risks.

Insured is damage to:

Buildings

Houses, condominiums or vacation homes as well as permanently installed fixtures and fittings.

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

Fire, smoke, lightning, explosion and extinguishing water

Water damage and gas leakage

Damage caused by storms (hail, storm with winds greater than 75 km/h, floods, inundation)

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 with Zurich

Building surroundings

Garden sheds, driveways, gardens, trees, lawns, swimming pools and more.

All risks

Protection against any sudden and unforeseen damage to or loss of the building during the term of the contract.

Earthquake insurance

Protect yourself against the financial consequences of building damage as a result of earthquakes

We're here to help video consultation

Personal, digital, flexible: our video consultation answers your questions.

Combo discount

Take out multiple Zurich products (e.g., home and car) and benefit from attractive combination discounts.

Services – just more help in everyday life

Gross negligence waiver

No reduction in benefits in the event of grossly negligent damage

Home assistance

Coverage of costs for craftsmen, emergency services, removal of wasp nests, security services and more

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.