Building Insurance Overview

4:45 PM  ,  2 comments

Building Insurance Overview
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Carefree construction even if you build only a small house, often dare a great adventure. Because until the house is ready, the roof on top covered and the homeowner is drafted, may already be happening a lot. This can both relate to the building itself, as well as future neighbors. Even accidents of craftsmen or the owners themselves can have dramatic consequences. Which five insurance companies are required to ensure that all involved in the construction are also protected comprehensively, clarify about the points listed below on.

The Construction Insurance

With a construction-specific construction insurance, for example, those damages are covered, which are caused in the building itself. This can be both collapsed scaffolding, walls or ceilings, as well as defects that arise in the interior design. All construction and building materials are covered, as are a construction insurance covered the costs which may result from the search of the damages, the tidying up, in case you need demolition and reconstruction. Both the owner as well as the artisans, entrepreneurs and designers in construction here are assured. If the damage to the building caused by accident, theft or vandalism have occurred, then also takes the construction insurance for it.



The builders liability insurance

The Principal's liability insurance covers such damages incurred during a construction project with a third party. Whether it is property damage to the neighbor's house or a personal injury, makes no difference. If there is such a loss, then the owner is liable if he has these builders liability insurance is not complete. And that can be really expensive especially in a personal injury. Whether a new construction, reconstruction, at a renovation or renovation: The Principal's liability protects throughout the construction period, ie from the start of construction until the completion of the work.

The building insurance

With a building insurance the house is insured against fire, flood, hail, storms, avalanches, landslides and other natural disasters, so is in most cantons of Switzerland, the building insurance is a mandatory insurance. So the building can be produced as ortsüblich subsequent to any damage that has occurred again. Here there are both public as well as private-sector insurance companies. It is also possible to insure the house, both the replacement value, as well as at fair value. Many insurance companies in Switzerland require a deductible when certain damage occurrence or a natural involvement in cleanup. Even with a fire damage a building insurance ensures that the house is insured. Here everything is insured, which is permanently installed in the building. These include, for example, the walls, ceilings and floors, as well as systems for heating, ventilation and for the electrical system, as well as telephone and cable TV and fitted kitchens.




The building Water Insurance

While the building insurance all damages are covered by elementary events, the building insurance covers water damage from those by water, which were not caused by a natural event. That is, with a building insurance water damage are covered by a pipe rupture as well as the damage caused when the tub overflows or backs up the water in the sewers to the basement. Is water in the house, must be clarified, first, whether it came from above or from below. Came the Flood from above, pay the building insurance, it came as a result of a rising water table from the bottom, the water pays insurance, which is also voluntary - as opposed to home insurance, which is a compulsory insurance.

Who rents either a single family, or owns a property with more than three apartments or commercial spaces, protects itself with a building liability insurance before that he. The claims of third parties to satisfy needs that came through the building or on the property damage With a building liability insurance homeowners are on the safe side, when a gust of wind blowing, for example, a brick from the roof or someone trips over a crack in the stairs and breaks a leg, for example. Who's homeowner has in addition to the enjoyment of his property always a great responsibility, so that no one can be hurt by this.

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2 comments:

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