Carl is sitting comfortably beside his fireplace. Outside a storm is raging and lighting strikes a nearby fir tree. It falls on Carl's roof, which has to be completely replaced. Which insurance offers the right coverage?
Property insurance offers protection against damage to property through:
- fire (fire, lighting strike, etc.)
- acts of nature (avalanches, floods, storms, hail, mud slides, etc.)
- broken glass
The purchase of property insurance is obligatory in 23 cantons. The exceptions are the cantons: AI, GE, OW, SZ, TI, UR, VS. Here the insurance is obligatory, but can be fulfilled through a private company.
Tip: If your house is damaged by one of the problems in the list above, you should immediately take steps to protect it from any further damage.