Key points at a glance
  • Protection against building risks: Our insurance protects everyone who owns their own home against financial risks. Building insurance is obligatory in many cantons.
  • Coverage for damage: Without this insurance, you have to pay for damage to your house yourself. Moreover, you are liable if third parties suffer any harm while on your property.
  • Comprehensive supplementary coverage: Put together your insurance flexibly from the modules Fire, Water, Earthquake, or Burglary.

Insure building risks optimally

Protect yourself from financial building risks with AXA's various insurance products. Whether fire, water, earthquake, or burglary: Put together your own optimal building insurance with AXA's modules.

Building property insurance

Building property insurance includes various insurance modules. Choose the right ones for your property:

  • Fire insurance including damage from natural forces
    In almost every Swiss canton, you are obligated to insure your house against fire and damage from natural forces such as high water, hail or rockfall. 
    Good to know:
    • Loss of rental income: Tenants are not required to pay rent for rooms or houses that have been damaged by a loss event. You can insure yourself against these financial losses.
    • Extra costs for replacement home: For owner-occupied residential property, a loss event results in extra costs for renting a replacement home. You can include this risk in your insurance.

  • Water insurance
    Water damage can occur quickly. Whether it's a waterpipe fracture or frost in the waterpipes – potential damage from water is high-risk.

Further building property insurance options

  • Minor renovations: For conversions to your own home, up to CHF 100,000 insurance against building damage.
  • Glass breakage insurance: Damage to glass on buildings, e.g. window panes.
  • Burglary insurance: Damage to building, cost of changing the locks, etc.
  • Building technology failure: Solar energy systems, heat pumps, etc.
  • Earthquake insurance: Most buildings in Switzerland are not insured against earthquake damage. Be sure to close this gap.
  • Damage to the surroundings: damage incurred outside of the insured building, such as to paths, stairs, garden sheds.

Building liability insurance

The law states clearly when you as house and landowner are liable for loss/damage. Such loss/damage arises in the main due to construction faults or insufficient maintenance. Let's say you forget to de-ice the front of the house with salt; you are then liable for any loss event. Any such claims for damages from third parties are covered by AXA's liability insurance, which rejects any unsubstantiated claims.

The insurance covers

  • Loose roof tiles
  • Black ice on paths and in front of houses
  • Unsecured shafts and holes
  • Swimming pools and garden ponds
  • Sliding carpets
  • Damaged stairs
  • Children's playgrounds

Customer reviews

4.7/5Home and Property Insurance

Determined from 24401 customer opinions

Review silver seal

All reviews

Support and frequently asked questions

AXA & You

Contact Report a claim Broker Job vacancies myAXA Login Customer reviews Garage portal myAXA FAQ

AXA worldwide

AXA worldwide

Stay in touch

DE FR IT EN Terms of use Data protection / Cookie Policy © {YEAR} AXA Insurance Ltd

We use cookies and analysis tools to improve your user experience, to personalize advertising by AXA and our advertising partner companies, and to provide social media functions. Unfortunately you cannot change your cookie settings via our Cookie Preference Center if you use Internet Explorer 11. If you would like to change your settings, please use an up-to-date browser. By using our website with this browser, you consent to the use of cookies. Data protection / Cookie Policy