Buildings insurance at a glance
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Comprehensive protection against damage caused by fire, water, storms and other risks
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Insured sum can be set individually
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Additional insurance cover available
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Suitable for one- to three-family homes and owner-occupied flats
Benefits of buildings insurance
- Water: Water damage caused by the escape of water from water pipes, heating systems as well as water beds, aquariums or humidifiers. Costs arising in relation to the accessing of pipes as well as frost damage or damage resulting from backwater from sewers.
- Fire: Cover for damage caused by fire, smoke, lightning, explosions and more.
- Natural hazards: Natural hazard events include damage caused by storm, hail, high water, landslides, flooding and more.
- 24/7 home assistance: No need to panic in an emergency! You get immediate assistance from us, for example, if there is a fault in your heating or plumbing system or if you need pest control, but also if you have lost your keys.
Extend basic cover to suit your needs. A selection of the most important additional coverage is provided below:
- Additional access costs: Increase the insured sum in line with your needs (basic cover: CHF 10,000)
- Building glazing: Glass breakage insured in the building (including conservatories), plus washbasins, toilets, bathtubs and shower trays, as well as ceramic hobs, kitchen hoods, bathroom hoods and fireplace hoods
- Solar installations: All-risk cover for solar thermal and photovoltaic systems
- Outdoor constructions: Fire, natural hazard and water damage as well as malicious damage caused by third parties, for example, to carports or garden sheds
- Additional risks: Damage caused by vehicle impact, gnawing by wild rodents, martens and insects, vandalism, or civil unrest (rioting, public disorder)
- Building liability: Liability as a building owner up to an insured sum of CHF 5,000,000
Would you like an overview of all benefits under Visana’s building insurance? Then please refer to our overview of benefits for household contents and buildings insurance.
Discounts on household contents insurance
Discounts you can benefit from when you take out household contents insurance:
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You qualify for a 10% premium discount if you also take out household contents and personal liability insurance with us in addition to buildings insurance.
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You and your family members benefit from a 10% discount on the premium for your buildings insurance.
Is Visana’s buildings insurance right for you?
Buildings insurance covering damage caused by fire or natural hazards is mandatory for most owners of residential property in Switzerland. In most cantons, it must be taken out with the cantonal buildings insurance scheme. However, cover for damage caused by water is optional and can be taken out in any canton with Visana.
This does not apply to the cantons of Geneva, Uri, Schwyz, Ticino, Appenzell Innerrhoden (not including the Oberegg district), Valais and Obwalden. Here you have a free choice of where to take out the insurance cover for all types of damage, and can therefore also obtain cover for damage caused by fire and natural hazards with Visana.
How buildings insurance works
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Document any damage as precisely as possible. Take photographs or videos of the damage.
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Report the damage to us easily online and we will take care of the rest.
Emergency?
In an emergency, you can call our Visana 24/7 home assistance service around the clock – including at weekends.
Your advantages with buildings insurance from Visana
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Optimal cover in the event of fire, water damage, natural hazards and glass breakage – can be flexibly extended to include cover for damage caused by vandalism or martens
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All-risk insurance cover for solar installations
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24/7 home assistance for immediate help in emergencies, such as prompt door-opening services and repair of faults in heating or plumbing systems
We are happy to take the time to give you a no-obligation explanation of the advantages of our buildings insurance.
Useful services for you
Smart insurance for all-round care. These services assist you:
Insurance that complements this product
Frequently asked questions about buildings insurance
Buildings insurance is mandatory in most cantons in Switzerland and must be taken out with the cantonal buildings insurance scheme. However, this “monopoly insurance” only covers benefits relating to fire and natural hazards. Comprehensive cover for all other benefits, including in particular insurance of the building against water damage, can be obtained via our own buildings insurance.
You can freely decide where to take out buildings insurance in the cantons of Geneva, Uri, Schwyz, Ticino, Appenzell Innerrhoden (not including the Oberegg district), Valais and Obwalden.
Visana’s buildings insurance covers damage caused to your single to three-family house or your owner-occupied flat by water, fire or natural events such as storms or flooding. A 24/7 emergency service covering defects within the heating system, the loss of keys or pest infestation is also included.
You can extend your protection by taking out additional cover – against, for instance, glass breakage, solar installations, garden sheds, vandalism or animal bites. It is also possible to incorporate building liability insurance up to CHF 5,000,000.
Would you like an overview of all benefits under Visana’s buildings insurance? Then please refer to our overview of benefits for household contents and buildings insurance.
Visana’s buildings insurance covers the costs of repairs or reconstruction if your house is damaged by insured events such as fire, water or storms. The insurance also covers the costs of immediate measures in an emergency, for example in relation to defective heating, ventilation or plumbing systems.
You can also insure against access and exposure costs, damage to glazing, solar installations or outdoor structures as well as vandalism through individual additional cover. We cover the financial consequences of the insured event – depending on the policy up to the agreed insured sum.
It is possible to take out building liability insurance on an additional basis. This covers losses for which you are liable towards a third party as the owner up to a guaranteed sum of CHF 5,000,000.
Losses not caused by insured risks such as fire, water or natural events – for example, due to defective structural workmanship, wear and tear or a lack of maintenance – are not insured. Movable items such as furniture or electronic devices are also not covered. They fall under household contents insurance.
Losses resulting from earthquakes, civil unrest or animal bites are also not insured, unless the respective additional cover has been taken out. In addition, access and exposure costs are only insured if additional cover is in place.
No, this is not possible. As the landlord, you are only allowed to pass on to the tenant costs that qualify as incidental costs – for instance operating costs in relation to usage of the rented flat.
However, you cannot pass on the costs of insurance covering your own personal risk as the owner, i.e. buildings insurance.
Downloads
Overview of benefits
Conditions of insurance
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