What types of real estate insurance policies are recommended for property managers?

Buildings insurance: This insurance covers physical damage to the building itself caused by events such as fire, storm, water pipe damage and other insured risks. Lost rental income insurance: This insurance can protect property managers against lost income caused by non-payment of rent. This could happen, for example, if an apartment is temporarily uninhabitable due to a fire.

Real Estate Insurance

Q: What is the difference between buildings insurance (private) and real estate insurance?

(Private) buildings insurance usually insures residential buildings of private individuals. These include owner-occupied homes, condominiums or multi-family residential buildings occupied by the owners themselves or by their tenants. This insurance provides protection against damage that typically occurs in residential buildings. This includes, for example, damage caused by fire, storm, water, burglary and vandalism. Real estate insurance insures commercially used buildings such as office buildings, retail properties, warehouses or industrial facilities. Here, the risks are often more complex, as commercial properties can be exposed to different hazards. In addition to basic coverage for fire, damage caused by natural hazards and similar risks, commercial buildings insurance policies may also provide specific coverage for business interruption, liability claims, lost rental income and other business-related risks.

Do you own a multi-family apartment building or a commercially used property? Damage to real estate can cause high costs. Real estate insurance covers the building at replacement value. It is part of property insurance, has a modular structure, and can therefore be adapted to suit your needs.

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Benefits of real estate insurance

Financial security

The insurance covers damage to the property. Necessary follow-up costs or lost rental income can also be insured.

All-round protection

Water damage, glass breakage or third-party liability: Buildings insurance protects against unexpected financial burdens.

Flexibility

All-risk or single events: Thanks to the modular structure, you choose and pay for exactly what you need.

Zurich Property Insurance

With our property insurance, you receive cover for your building, your business inventory, your earnings, your transports and various additional benefits in one insurance policy. Real estate insurance is part of it. You benefit from comprehensive cover for your property and your company.

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FAQ and download

Here you will find answers to frequently asked questions about our real estate insurance as well as documents to download.

Details FAQ

Commercial buildings insurance is protection for commercial buildings against various risks such as fire, natural events and theft. It covers physical damage to the building and covers repair or reconstruction costs.

No. Both terms refer to the same type of insurance.

You'll benefit from real estate insurance if you own or manage a multi-family residential building or commercial property.

Real estate insurance protects you and your property against financial risks that can arise, for example, from flooding, fire, water damage or liability claims.

You can choose to insure individual risks such as fire, water, glass breakage or theft. Or you can opt for comprehensive all-risk coverage

Real estate insurance pays for physical damage to buildings. This means that the insurance pays for repair or reconstruction costs, for example

In most cantons, building fire/natural hazards insurance is mandatory. However, in most cantons this must be insured through the cantonal buildings insurance.

You do not have to insure the other risks, such as water, glass breakage or theft, on a compulsory basis.

(Private) buildings insurance usually insures residential buildings of private individuals. These include owner-occupied homes, condominiums or multi-family residential buildings occupied by the owners themselves or by their tenants. This insurance provides protection against damage that typically occurs in residential buildings. This includes, for example, damage caused by fire, storm, water, burglary and vandalism.

Real estate insurance insures commercially used buildings such as office buildings, retail properties, warehouses or industrial facilities. Here, the risks are often more complex, as commercial properties can be exposed to different hazards. In addition to basic coverage for fire, damage caused by natural hazards and similar risks, commercial buildings insurance policies may also provide specific coverage for business interruption, liability claims, lost rental income and other business-related risks.

Buildings insurance: This insurance covers physical damage to the building itself caused by events such as fire, storm, water pipe damage and other insured risks.
Lost rental income insurance: This insurance can protect property managers against lost income caused by non-payment of rent. This could happen, for example, if an apartment is temporarily uninhabitable due to a fire.

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