Buildings Insurance
Fire, water, natural hazard events and earthquakes can cause major damage to the home you own. Buildings insurance provides comprehensive protection.
Calculate premiumsFire, water, natural hazard events and earthquakes can cause major damage to the home you own. Buildings insurance provides comprehensive protection.
Calculate premiumsAs a homeowner, buildings insurance protects you against financial losses if your house is damaged by fire, lightning, water, storm or hail. It pays for necessary repairs right through to rebuilding the house.
The amount of your premium depends on the value of the building as stated in the building appraisal. Premiums are the same throughout Switzerland.
What cover is important to you? We recommend our policy add-ons for extra protection.
The insurance covers single-family homes, multi-family homes with up to three apartments and owner-occupied homes that do not form part of a condominium . The buildings or apartments must be in private use.
Unless otherwise agreed, the deductible is CHF 200 per loss event.
For damage by natural forces, you pay 10% per event, or a minimum of CHF 1,000 but no more than CHF 10,000.
Fire and natural hazard cover is available in the cantons of Graubünden, Uri, Schwyz, Ticino, Appenzell-Innerrhoden, Valais and Obwalden. These are also known as the GUSTAVO cantons. In the other cantons, only the risk of water and earthquake can be insured through CSS.
CSS may reduce the benefits and pay only part of the claim reflecting the proportion that the sum insured bears to the actual value. Underinsurance is deemed to exist if the sum insured is less than the actual value of the insured building prior to the damage.
The insurance can be cancelled at the end of the minimum contract term by giving 3 months' notice. From the third year, it can be cancelled each year as of the premium due date.