Building Insurance

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Ericare Insurance Provide Building Insurance Plan

Building insurance in Switzerland is a central tool for protecting property owners against financial losses due to damage to their buildings.

Purpose: Building insurance offers protection against financial losses caused by damage to the building itself, such as from fire, water, or natural disasters.

Mandatory Insurance: In most cantons of Switzerland, building insurance is mandatory for property owners. The exact regulations and whether it's obligatory can vary from canton to canton.

Coverage: The insurance typically covers damages from fire, water, storm, hail, and other natural events. Some policies may also cover earthquake damage, although this is often an additional option.

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Valuation

The insured amount usually is based on the building's replacement value, not its market value. This means it's based on the cost to rebuild the building in its current condition.

Exclusions

It's important to note that not all damages are covered. For example, damages due to normal wear and tear or lack of maintenance are typically excluded.

Additional Insurances

Many insurance companies offer additional coverage options, such as for building glazing, swimming pools, or solar installations.

Public and Private Providers

In many cantons, a state institution offers the basic insurance, but it's also possible to acquire additional protection through private insurance companies.

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