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Buildings Insurance

Protection for your property

Find out about the various insurance options that help you protect your property against damage from accidents, theft or other risks.

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Security for your property: rely on our protection

Property can be a significant investment, and it's important to protect it accordingly. Buildings insurance protects your property against damage from fire, storms, escaping mains water or other insured perils. In addition to buildings insurance, home contents insurance makes sense to protect your valuables in the house against theft or damage. If you rent out property, landlord's liability insurance is recommended to protect you against liability claims from tenants or third parties. With the right insurance cover, you can protect your property effectively and guard against potential financial risks.

Frequently asked questions: Buildings Insurance

What is buildings insurance?

Buildings insurance is an insurance policy that covers damage to a building. It protects owners against financial losses that can result from risks such as fire, storms, escaping mains water, hail or natural hazards (Elementarschäden).

What damage is covered by buildings insurance?

Buildings insurance usually covers damage to the building itself, e.g. from fire, lightning, storms, hail, escaping mains water or natural disasters such as floods or earthquakes. Depending on the policy, further risks such as glass breakage or natural hazards (Elementarschäden) may also be covered.

What is the difference between buildings insurance and home contents insurance?

While buildings insurance protects the building itself, home contents insurance covers your movable household contents (furniture, electrical appliances, clothing, etc.). Buildings insurance focuses on structural damage to the building, whereas home contents insurance protects what's inside the building.

Is buildings insurance required by law?

Buildings insurance is not required by law in most countries. However, in certain cases, such as when financing through a bank or mortgage lender, it may be a contractual requirement.