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Buildings Insurance

Are you a homeowner? Our buildings insurance protects your home against damage caused by water, fire and natural hazard events such as storms or earthquakes.

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The advantages for you

  • Covers damage caused by water, fire, storm, earthquake, etc.
  • Assumes the costs of clearance, disposal, trace and access, emergency glazing and changing the locks.
  • Free advice by phone on questions concerning Swiss law.
  • We arrange emergency assistance 24/7.
  • The myCSS client portal lets you access your documents at any time.

Good to know

Discount for you
10% discount if you're already insured with CSS. Plus, up to 5% for multi-year contracts.
Better insured
Your home is covered at new-for-old value.
Retention fee
Unless otherwise agreed, your retention fee is CHF 200 per loss event.

How buildings insurance works

Protection for your own four walls

The dishwasher floods the kitchen – it can happen quickly. Buildings insurance covers many risks:

  • Fire damage: fire, smoke, light­ning, explosion and implosion, falling aircraft and spacecraft or parts thereof, damage through scorching.
  • Damage by natural forces: avalanche, storm, hail, snow pressure, flooding and high water, landslide, rockfall and rockslide.
  • Flooding inside buildings caused by mains water, rain, snow, melting snow, ground water, blocked drains and by water beds, aquariums, oil from heating systems or oil tanks.
  • Earthquake damage: damage or destruction of the insured building as a result of earth­quakes and volcanic eruptions.

As individual as you are

And the supplementary insurance options let you choose exactly the cover you need.

Frequently asked questions

Why do I need buildings insurance?

Buildings insurance protects you, the owner, against a financial loss if your home is damaged e.g. by fire, lightning, water, storm or hail. It covers the cost of necessary repairs right through to rebuilding the house.

Can I insure other risks?

Yes. You can also insure:

  • trace and access costs in excess of CHF 10,000
  • removal and disposal costs in excess of CHF 10,000
  • building damage caused by burglary
  • loss of rental income due to an insured claim

How high is my retention fee?

Unless otherwise agreed, your retention fee is CHF 200 per loss event.

A retention fee of 10% per loss event or a minimum of CHF 1,000 is charged for the risk of earthquake and volcanic eruptions.

How can I cancel the insurance?

The insurance can be cancelled at the end of the minimum contract term by giving three months' notice.

1249785334

Personal advice

Get in touch for a personal consultation.

Skateboard
10% discount if you're already insured with CSS

Liability Insurance

Cover personal mishaps caused by you and your family.

Better insured