Buying their own home is the largest investment many people will make in their lifetime. Whether a house, condominium apartment or holiday home – buildings insurance from Helvetia covers your own four walls against various additional risks not contained under compulsory cantonal buildings insurance. Your building, your land and all objects and appliances fixed to the building are insured.
The postman slips on your icy driveway, or a tile falls onto your tenant’s car parked in front of the house. As a property owner, you are responsible for keeping it in such good condition that nobody is in danger. Should something still happen, you are covered by property owner’s liability insurance.
Property owner’s liability insurance not only covers the costs for damage to persons and property, it also rejects unjustified liability claims. Building legal protection insurance can also be added as an optional extra.
… you rent out your property.
… you own an undeveloped plot of land – especially if no development is planned for the time being, or no construction start date has been fixed.
… you live in an owner-occupied apartment – the insurance also applies in the case of legal disputes with other owners in the building.
… you are a condominium owner – you are also covered for damage to property held in co-ownership or joint ownership.
… you live in your own home and don’t have private liability insurance.
... you yourself live in the house and have private liability insurance. This means you are adequately covered and don’t require additional property owner’s liability insurance.