Situation
A hailstorm damages the roof of your house in Valais.
Consequence
In Valais, building insurance is not compulsory: without a private policy, you bear the full cost of the repairs.
Property insurance
Your property, protected in every respect.
Building, owner's liability, loss of rent, condominium ownership or building works: we put together consistent cover around your property — taking account of the specific situation in Valais.
Why it matters
Very real situations.
Situation
A passer-by slips and is injured in front of your building.
Consequence
As the owner, you are liable: property owner's liability insurance covers these claims.
Situation
After water damage, the flat you rent out becomes uninhabitable.
Consequence
Without loss-of-rent insurance, you bear the loss of income for the entire duration of the works.
What we cover
The essentials, explained simply.
Building insurance
Fire, natural hazards and water damage to the building itself, at its replacement value.
Natural hazards
Floods, avalanches, landslides, hail: very real risks in Valais, covered together with fire insurance.
Property owner's liability
Damage caused to third parties by your property: falling snow or ice, poorly maintained access, construction defects.
Loss of rent
Rent not received while the property is being repaired after an insured loss.
Condominium ownership (PPE/StWE)
Insurance for the jointly owned building, liability of the community of owners, and coordination with each co-owner's own cover.
Building works & project owner's liability
During construction or renovation: damage to the building site and liability towards the neighbours.
Technical installations
Solar panels, heat pumps, glazing: costly equipment that needs to be explicitly included.
Points to watch
The mistakes we see most often.
- 01
Assuming building insurance is automatic
In most cantons, it is compulsory and provided by a cantonal institution. Not in Valais: it is up to the owner to take out insurance with a private insurer.
- 02
An outdated insured value
Renovations, extensions, rising construction costs: a replacement value that is not kept up to date leads to underinsurance.
- 03
Forgetting project owner's liability
Major works (excavation, demolition) can damage neighbouring property. Property owner's liability does not always cover these risks.
- 04
Confusing building and contents
The building (walls, roof, fixed installations) and your furniture and belongings fall under two different policies. In condominium ownership, the two must be coordinated.
Our method
Support in 4 steps, with no effort on your part.
- 01
Analysis
Your contracts, your needs, your goals: we carry out a full review.
What you get
A clear overview of your cover
- 02
Comparison
As an independent (non-tied) broker, we compare offers from many insurers, without bias.
What you get
The best offers, compared for you
- 03
Set-up
We handle the formalities, from cancellations to new contracts.
What you get
No admin for you to deal with
- 04
Follow-up
Claims, life changes, regular reviews: we stay by your side.
What you get
A dedicated point of contact, for the long term
- Non-tiedIndependent broker
- FINMARegistered · F01536191
- +2'500Clients supported
- 98%satisfaction rate
- +10 yearsof experience
Frequently asked questions
Property insurance:your questions.
Our experts' answers to the questions we are asked most often.
No. Unlike most cantons, Valais does not require building insurance and has no cantonal building insurance institution: owners take out cover with private insurers, and in practice banks require it before granting a mortgage. The creation of a compulsory cantonal insurance scheme is currently under consideration.
Let's talk about your situation.
A first conversation to review your situation and your needs.
Book an appointmentRelated areas
Also worth exploring.
Home insurance
Comprehensive protection for your home and personal belongings.
- Water damage cover
- Theft protection
- Personal liability
Tax planning
Pay the right amount of tax, not a franc more.
- Optimised deductions (3a, pension fund buy-ins)
- Retirement tax planning
- Support with your tax return
Legal protection
Defending your rights in every area.
- Employment law
- Road traffic
- Contracts & property
Official sources
- RTS (2026, in French) — Valais considers compulsory building insurance
- Insurance Contract Act (VVG/LCA, in French) — fedlex.admin.ch
General information, as of 2026 — it does not replace personalised advice.