{"id":10834,"date":"2025-09-01T07:39:59","date_gmt":"2025-09-01T07:39:59","guid":{"rendered":"https:\/\/simply.ch\/building-insurance\/"},"modified":"2026-03-17T05:34:42","modified_gmt":"2026-03-17T05:34:42","slug":"building-insurance","status":"publish","type":"page","link":"https:\/\/simply.ch\/en\/building-insurance\/","title":{"rendered":"Building Insurance"},"content":{"rendered":"\t\t
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Building insurance<\/span> \noptimal protection for your home<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tWith Zurich\u2019s building property insurance, you\u2019re comprehensively covered \u2013 beyond cantonal building insurance. simply provides personal support in choosing and taking out the policy. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRequest quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"simply-building-insurance-hero\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Why is<\/span> building insurance a good idea?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check\"<\/figure>
All-round protection<\/div>

Protect your building, property and all equipment permanently connected to the building against risks that are not covered by the mandatory building insurance.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
Flexible additional protection<\/div>

Extend your insurance in a targeted manner \u2013 e.g. to include all-risk, earthquake, surroundings, garden sheds, water damage and more.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
Personal advice & fast help<\/div>

Zurich is a reliable partner when you need to make a claim \u2013 and simply supports you in choosing the right insurance cover.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
Combination discount<\/div>

Take out several Zurich products and benefit from attractive multi-policy discounts.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Basic benefits of<\/span> building insurance at a glance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tZurich\u2019s voluntary building property insurance complements the cantons\u2019 basic cover and insures you against a wide range of additional risks.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Insured is damage to:<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Buildings<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tHouses, condominiums or vacation homes as well as permanently installed fixtures and fittings.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Insured\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Property<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Garden sheds, driveways, gardens, trees and lawns.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Permanently installed equipment \nand infrastructure<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Heating systems, photovoltaic systems, lifts, charging stations for electric cars, etc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"simply-building-insurance-fixed-devices-and-infrastructure\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Typical claims<\/span> that are covered<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Fire, smoke, lightning, explosion and extinguishing water<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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Water damage and gas leakage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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Damage caused by storms (hail, storm with winds greater than 75 km\/h, floods, inundation)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t
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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. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Supplementary building insurance<\/span> with Zurich<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Building surroundings<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Garden sheds, driveways, gardens, trees, lawns, swimming pools and more.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t

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All risks<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Protection against any sudden and unforeseen damage to or loss of the building during the term of the contract.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t

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Earthquake insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tProtect yourself against the financial consequences of building damage as a result of earthquakes\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t
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We're here<\/span> to help video consultation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Personal, digital, flexible: our video consultation answers your questions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tBook your video consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"simply-home-video\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Combo<\/span> discount<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\tTake out multiple Zurich products (e.g., home and car) and benefit from attractive combination discounts.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Services<\/span> \u2013 just more help in everyday life<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Gross negligence waiver<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tNo reduction in benefits in the event of grossly negligent damage\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t
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Home assistance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Coverage of costs for craftsmen, emergency services, removal of wasp nests, security services and more<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t

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Frequently asked questions<\/span> <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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1. Is building insurance mandatory for me?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

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. <\/p>\n<\/div>\n\t\t\t\t\t<\/div>

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2. What is all insured?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

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. <\/p>\n<\/div>\n\t\t\t\t\t<\/div>

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3. Does the protection also apply to photovoltaic systems?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

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. <\/p>\n<\/div>\n\t\t\t\t\t<\/div>

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4. How do I calculate the sum insured?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

For an accurate assessment, we offer a personal consultation request a callback<\/a>.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>

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5. Which additional coverage is beneficial?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

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. <\/p>\n<\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Building insurance optimal protection for your home With Zurich\u2019s building property insurance, you\u2019re comprehensively covered \u2013 beyond cantonal building insurance. simply provides personal support in choosing and taking out the policy. Request quote Why is building insurance a good idea? All-round protection Protect your building, property and all equipment permanently connected to the building against […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-10834","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nBuilding Insurance: Optimal protection for your home | simply<\/title>\n<meta name=\"description\" content=\"With simply, your home is optimally protected. 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