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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.
Protect yourself against financial loss resulting from building risks with AXA’s flexible suite of insurance solutions. Create a building insurance package that best serves your needs.
Fire and natural hazards
Almost all of the cantons in Switzerland require you to insure your house against damage caused by fire and natural hazards, such as flooding, hail or falling rocks. You can take out this insurance through AXA in the cantons of Geneva, Uri, Schwyz, Ticino, Appenzell Innerrhoden, Valais and Obwalden. In the remaining cantons, you are required to insure your property against fire or natural hazards with the cantonal buildings insurance authority. Learn more here.
The law clearly states when you can be held liable for damage caused by an accident if you own a house or property. This type of damage often is the result of structural defects or a lack of maintenance. If you forget to salt the front walkway when it’s icy, for example, you can be held liable if an accident happens.
Liability insurance from AXA will protect you against these types of claims for damages from third parties and defend you against unsubstantiated claims. In many cases, you won’t need separate premises liability insurance because you will already be insured under another policy. As an example, AXA’s personal liability insurance will cover, among other things, owner-occupied properties with up to three apartments. As insurance coverage varies from one company to another, you should check whether premises liability insurance would be a good fit for you.
After washing up, Mr. Meier notices that the water is dripping from the siphon and parts of the fitted kitchen are bulging.
Building owner Ms. Müller notices that the parquet floor is swelling. After an AXA partner checks the area, the cause was found to be a leaky valve in the floor heating.
The Kurt Family has a damp wall in the bathroom: The tiles are detaching from the wall and the basement ceiling has a large water stain. A leaky pipe is found in the wall.
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.
