A house or a freehold apartment is a lifetime investment. Regardless of whether you need a mortgage to purchase an existing property or to pay off your construction loan: In any case, the mortgage financing from Helvetia is secure, flexible and affordable. Claudia and Christian get detailed information and ultimately are convinced by our attractive interest conditions.
In Switzerland, the state promotes the acquisition and construction of owner-occupied residential property. Claudia and Christian arrange the financing the smart way through pension solutions from the 3rd pillar and save taxes at the same time thanks to indirect repayment. If you wish to use the pension assets of your pension fund for the financing, we will help you to close any gaps in coverage that result from the premature withdrawal or pledging of these assets.
You want to know your investment in your own home or holiday house is secure. A storm or broken water pipe can make your house temporarily uninhabitable. Fortunately, the buildings insurance pays for the damage.
Claudia and Christian are aware that faults in or at a house can cause injury to guests or passers-by. A falling roof tile, an icy forecourt or old and damaged steps can cause accidents. The costs of bodily injury or property damage are covered by the building owner's liability insurance. At the same time, the couple is protected against unfounded claims. For the owners of owner-occupied homes, no separate building owner's liability insurance is necessary if they already have private liability insurance.
The additional «building all risks» element complements the insurance coverage for your own home. The supplement covers further unforeseen and sudden damages from external forces such as malicious damage, animal bites, collisions between vehicles or all possible types of damage to your domestic installations.
A storm, flood or landslide can cause terrible damage to your home and the building surroundings. Claudia and Christian therefore have buildings insurance to protect them against damage caused to their property by natural forces. Their pretty landscaped garden with the new garden shed and the patio are now perfectly protected against damage.
Finally your new home is furnished. The new furniture is assembled, the nursery is tidy and the television is on stand-by. At this point, very few people are thinking about the risk of their furniture being damaged or even destroyed by fire or water, let alone the fact that the recently purchased property might be stolen in a burglary. Claudia and Christian protect themselves from the financial consequences of such risks with the household contents insurance.
A new home – new purchases? You are only properly covered if your sum insured matches the value of your furnishings and fittings. This way you are protected from cover shortages in case of a claim.
Glass items of furniture are particularly delicate. A small crack in the display cabinet or the glass table, damage to the window or the wash basin – and now what? Protect yourself from the financial consequences with the supplementary cover for «glass breakage» as part of the household contents insurance.
Wedding rings, an expensive necklace or a valuable watch, works of art or an antique: Valuables insurance offers added security for the particularly valuable and expensive objects in your household. It perfectly complements Claudia and Christian's household contents insurance, because it provides additional cover against the risks of all kinds of damage and loss.