Fire and natural hazards are usually compulsory – the rest is up to you.
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Securing the building
The base cover
Fire & natural hazards
Fire & naturalto the building
Usually compulsorycantonal institution
Replacement valueofficial assessment
Not the same everywhere
Cantonal differences
Monopoly cantonscantonal institution
Free cantonsprivate insurer
Locationdecides the rule
The gaps
What the canton doesn't cover
Water & glassinsure separately
Thefton the building
Earthquakeusually not covered
As an owner
The liability
Work ownerliable for the building
Building liabilitycovers such damage
Landlordespecially relevant
Good to know
Is your house gap-free?
💡 First step: The compulsory cover protects against fire and natural hazards – but water, theft and liability you must arrange yourself. A check pays off.