Rental deposit insurance at a glance
When a tenant moves into a new flat, the lessor will often demand a rental deposit of up to three months’ rent. This is a particularly heavy burden for young people, families and individuals with multiple ongoing obligations. Rental deposit insurance offers an attractive alternative by replacing the classic cash deposit.
-
You don’t need to pay a cash deposit.
-
Financial flexibility: You pay an annual premium rather than tying up your funds.
-
We guarantee up to a maximum of CHF 20,000.
-
Security for landlords, flexibility for tenants.
-
More financial flexibility when moving house and furnishing a new home.
Rental deposit insurance is no replacement for personal liability insurance. It only covers the rental deposit, not damage to the property. If, for example, floors, walls or furnishings are damaged, rental deposit insurance will not cover the costs. Taking out personal liability insurance is therefore strongly recommended. It protects you against major financial consequences.
Benefits under rental deposit insurance
With Visana’s rental deposit insurance, Visana provides a guarantee to landlords.
Up to CHF 20,000, maximum three months’ gross rent.
The insurance covers private tenants of rental properties in Switzerland.
Upon handover of the guarantee certificate to the lessor, but no earlier than the start of the tenancy.
The contract of surety can be terminated at any time without notice, provided that an equivalent security (e.g. cash deposit) is presented to the lessor.
Is Visana’s rental deposit insurance right for you?
-
For anyone living in Switzerland who is renting an apartment or house and would like to maintain their financial flexibility.
-
It offers an alternative to a rental deposit held in a bank account and ensures greater flexibility when moving house and during the subsequent period.
How rental deposit insurance works
-
Conveniently online using our premium calculator
-
Visana provides the lessor with a guarantee certificate
-
No need to tie up your funds
-
Upon release from the guarantee
Your advantages at a glance
-
Greater financial flexibility, instead of tying your money up as a rental deposit
-
Security for lessors and flexibility for tenants
-
Take out the insurance quickly and easily online
-
Transparent costs instead of large one-off payment
-
Can be cancelled flexibly to suit your personal situation
We will be happy to advise you and explain the advantages at no obligation.
Useful services for you
Cleverly insured, optimally supported. These services assist you:
Under the rental deposit guarantee, Visana pays out at the request of the lessor upon handover of one of the following documents:
- An acknowledgement of debt by the tenant
- An enforceable summons for payment of the lessor’s claims arising from the lease, against which the tenant has either not objected, or has lodged an objection that was legally dismissed
- An enforceable judgement on the lessor’s claims against the tenant, arising from the lease
In the case of tenant communities, an acknowledgement of debt by one tenant or presentation of an enforceable summons for payment pertaining to one tenant is sufficient.
The documents are to be submitted to deposit.claims@visana.ch. You can also reach us by phone on +41 (0) 848 72 62 25.
Insurance that complements this product
Frequently asked questions about rental deposit insurance
Visana provides a rental deposit guarantee* and thereby guarantees the lessor a sum of up to the agreed deposit (max CHF 20,000) in the event of any contractual or legal claims arising from the tenancy.
*This insurance is only available for private properties.
Rental deposit insurance does not constitute liability insurance. Damage caused to the flat is not covered.
Taking out personal liability insurance is therefore strongly recommended.
Yes. The guarantee completely replaces the cash deposit.
Private tenants of rental properties in Switzerland.
Up to CHF 20,000 (max. three months’ gross rent).
The lessor submits claims concerning the amounts due. Visana examines these and settles any justified claims with the lessor. Visana subsequently recovers the amount from the tenant.
Downloads
General Conditions of Insurance for rental deposit insurance
Fact sheet
This might also interest you
