Building water insurance is advisable for homeowners. This insurance covers damage caused by overflowing water from inside the building – as a result of defective pipework, for example. "Additional insurance cover depends on your individual situation," says Stephan Günther. Separate glass insurance is often taken out, for example, for windows, glass ceramics, or special or expensive glazing. Sometimes, separate insurance is necessary for the surrounding area. This covers damage to plants and the contents of the garden caused by so-called natural events, such as floods, etc.
Taking out building insurance against damage to buildings caused by natural events (fire, water, storms, etc.) is compulsory in most cantons. The exceptions are: Valais, Geneva, Ticino and Appenzell Innerrhoden. For all other types of insurance, it is up to the homeowner to decide whether to arrange additional household or personal liability insurance, etc., and which insurance provider to choose. The level of insurance and premiums can vary significantly between providers. That's why it's important to ask for information and compare different offers.