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Real estate
Contents insurance -
All Risk
With an all-risk insurance policy, you don’t leave anything to chance. In other words: all household contents are insured against damage and loss. In addition, gross negligence, key loss, data retrieval in the event of a cyber attack and even an emergency tradesperson service can be included. For an insured amount of CHF 1 million or higher, the insurance company will want to view the respective property. Obrist Helps will support you from the outset to ensure that you are looked after in a way that is discreet and professional.
Building insurance
Building insurance is compulsory in almost every canton and insurance needs to be taken out with the cantonal building insurer. Building insurance policies from private companies are supplementary and offer valuable protection in the event of a claim. The following cantons are exceptions: Geneva, Uri, Schwyz, Ticino, Appenzell Innerhoden, Valais and Obwalden. In these cantons, companies will insure the entire risk.
The property itself will be insured, including the land and other buildings surrounding it.
The building is insured at its reinstatement value. In general, everything that is “fixed” is insured against natural hazards, fire, theft, fluids and broken glass - e.g. heating systems, solar power systems, toilets, doors and built-in cupboards.
