Fire insurance including damage from natural forces

Conversions & renovations insured up to CHF 100,000

Solar systems & heat pumps can be covered

Request advice

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.

Request advice

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

Download

Customer reviews

4.7/5Home and Property Insurance

Determined from 23194 customer opinions

All reviews

Support and frequently asked questions

Is earthquake damage covered by building property insurance?

No, most buildings in Switzerland are either not covered or insufficiently covered against the consequences of earthquakes. With our supplementary insurance, "earthquake insurance," you can insure your building against this risk.
Must I have building insurance against fire and damage from natural forces?
In most cantons, house owners are required to take out building insurance against fire and damage from natural forces. The cantons of Geneva, Ticino, Appenzell Innerrhoden and Valais are exceptions to this rule – there you can insure yourself voluntarily. You can only freely choose your coverage in the following cantons:
- Geneva
- Uri
- Schwyz
- Obwalden
- Ticino
- Appenzell Innerrhoden
- Valais
In the remaining 19 cantons, you are required to take out the corresponding cantonal building insurance.
For minor conversions to my own home, do I need to take out separate construction insurance?

No, loss/damage from minor renovations and repairs up to a construction amount of CHF 100,000 are covered by AXA’s building property insurance.
Can I insure my heat pump or solar energy system against damage?

Yes, with our supplementary insurance, "Building technology failure," you can insure the technical systems of your building against destruction and damage.

As a home owner, do I need building liability insurance in any case?

No, owner-occupied single-family and multi-family homes with a maximum of three apartments are covered by AXA’s personal liability insurance. For rented property, condominium property, and commercial property, building liability insurance is, on the other hand, necessary.
I am selling my house. Does my insurance end automatically?

No, the insurance is transferred directly to the new owner. He can reject the transfer of the contract within 30 days of the change of ownership. It is therefore important to inform the buyer of the existing contract. On request, your AXA advisor will contact the new owner.
Will the remainder of the premiums I have already paid be reimbursed after the sale?

No, any reimbursement of premiums will be credited to the new owner. If the new owner rejects the insurance, AXA will pay you back the remainder of the premiums paid.

AXA & You

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

Security for your property Building insurance