As a house and landowner, you bear considerable financial risks: You pay for any damage to your house. And you are liable if third parties suffer any harm while on your property. Let AXA assume these risks and enjoy your residential property free of worries.
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 includes various insurance modules. Choose the right ones for your property:
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.
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.
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:
In the remaining 19 cantons, you are required to take out the corresponding cantonal building 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.
Yes, with our supplementary insurance, "Building technology failure," you can insure the technical systems of your building against destruction and damage.
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.
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.
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.