An owner in Geneva? Beyond the cantonal building insurance, several covers protect your property and your liability.
Depending on your property, different protections complement each other: fire and natural elements (often via the cantonal insurance), water damage, glass breakage, and property owner's liability.
Co-ownership (PPE) or a detached house: the needs differ. We analyse your situation to avoid both gaps and duplication.
Building fire/natural-element insurance falls under a cantonal framework; supplementary cover remains strongly advised.
Building insurance protects the structure of your property (walls, roof, fixed installations) against fire, natural events and water damage. It concerns owners, whether they occupy the property or rent it out.
Building insurance covers the property itself; home contents insurance covers what's inside. An owner-occupier needs both; a tenant, only home contents and personal liability.
In Geneva, building fire insurance falls under specific cantonal rules. We check your obligations and add the useful cover (water damage, glass breakage, natural disasters).
We compare the offers and size the cover to your property's real reconstruction value, to avoid both under-insurance and over-charging.
Not always. If you rent out your property, property owner's liability is strongly advised. We include it in your cover if needed.
We compare the offers and check your cover amounts.
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