SwissCaution: The most advantageous rental guarantee in 2026

For more than 35 years, SwissCaution has been a pioneer and market leader in rental guarantees in Switzerland.

Our mission is to simplify your life by offering a rental guarantee without a bank deposit, making access to new accommodation easier and hassle-free.

Quick registration – online or at a point of sale

Prefer to handle everything from your sofa? In just a few minutes, you can apply for your SwissCaution rental guarantee online. Simply upload the required documents and pay your annual premium.

Your application is processed immediately for fast, hassle-free approval. An online calculator also helps you estimate your annual premium in advance, so you can plan your budget with confidence.

Prefer to speak with someone in person? Visit one of our points of sale across Switzerland: SwissCaution agencies, Swiss Post branches or Mobiliar agencies.

Please remember to bring a copy of your lease agreement as well as a valid ID or residence permit.

Once your request is approved, you don’t need to worry about a thing. SwissCaution sends the rental guarantee certificate straight to your landlord or property manager and emails you a copy for your own records.

How does SwissCaution’s rental guarantee without a deposit work?

Instead of blocking up to three months’ rent in a bank account, SwissCaution acts as guarantor for your landlord or property manager. This means your money remains available for what matters most to you – moving costs, personal plans and everyday life, with greater peace of mind.

All you need to do is pay an annual premium equal to 5% of your rental guarantee amount, plus a CHF 20 administration fee and the federal stamp duty.

SwissCaution, Switzerland’s leading rental guarantee without a bank deposit

Today, more than 400,000 customers rely on SwissCaution, making it the reference solution for rental guarantees without bank deposits in Switzerland.

As the most widely accepted rental guarantee among property managers, SwissCaution helps strengthen your rental application and simplifies your search for a new home.

But SwissCaution’s commitment goes beyond financial guarantees. We also support you in your day-to-day life as a tenant, giving you greater peace of mind.

HomeAssistance: an exclusive repair service on the Swiss market, just for you

Because unexpected household issues never come at the right time, SwissCaution is currently the only rental guarantee in Switzerland—whether with or without a deposit—to include a 24/7 emergency repair service: HomeAssistance.

This emergency service is included at no extra cost for all customers with a SwissCaution rental guarantee for a residential lease. It provides immediate assistance for incidents affecting your insured home, with fast response times anywhere in Switzerland—such as water leaks, locked doors or lost keys.

In the event of an emergency, you should first contact your property manager or landlord to confirm how they wish to proceed. With their agreement, HomeAssistance can then be used if they cannot be reached or if the incident occurs outside of office hours.

Below are some examples of services covered by HomeAssistance and their costs :

• Temporary locks and security measures

• Pest control, including the removal of wasp, hornet and bee nests

• Loss of keys to the rented property (opening and temporary security measures)

• Unblocking pipes in the event of unexpected blockages in water pipes

You will find all the detailed terms and conditions here: SwissCaution HomeAssistance documentation.

In short, it’s simple: in an emergency, just give us a call and a qualified professional will be at your home quickly, day or night, anywhere in Switzerland.

Depending on the type of emergency, repair costs may be covered up to CHF 1,000 per incident. All repairs are carried out by trusted local tradespeople known for their expertise.

Thanks to these additional services, SwissCaution’s rental guarantee is now the most cost-effective solution on the market.

That’s why no other rental guarantee, with or without a deposit, offers such comprehensive support: SwissCaution protects both your home and your peace of mind.

SwissCaution rewards customer loyalty: up to 30% discount on your annual premium with our Loyalty Program

Since December 2024, SwissCaution has been rewarding customer loyalty through its Loyalty Program which automatically reduces the amount of your annual premium:

• from year 2: 10% discount

• from year 3: 20% discount

• from year 4: 30% discount

These loyalty discounts are accrued over time and remain valid even if you move home, provided you take out a new SwissCaution rental guarantee within one year. This means your loyalty bonus is fully preserved.

The offer is available to all customers who do not have any ongoing legal proceedings with SwissCaution. Thanks to this program, the SwissCaution rental guarantee becomes even more affordable in the long term.

SwissCaution Youth Offer: an extra 10% off your annual premium

The SwissCaution Loyalty Program can be combined with our 10% discount for young people under the age of 26.

If at least one person aged between 18 and 25 is named on the lease agreement, the discount is automatically applied—allowing you to benefit from up to 40% off your annual premium.

The SwissCaution Provisional Certificate gives you a head start on your apartment search

Still looking for an apartment? The search can quickly become stressful and highly competitive. That’s why SwissCaution offers the Provisional Certificate – a valuable document you can obtain even before securing your new home.

This Provisional Certificate saves you time and strengthens your application by showing landlords and property managers that you can provide a rental guarantee. A simple and effective way to put the odds in your favour.

SwissCaution: the rental guarantee that protects, supports and rewards you

Since 1991, SwissCaution has been the leading provider of rental guarantees without bank deposits in Switzerland. By combining simplicity, speed and innovation, SwissCaution offers much more than a guarantee: genuine peace of mind, so you can focus on what matters most. 

SwissCaution is the most comprehensive and cost-effective solution on the market. In particular, thanks to its 24/7 HomeAssistance service, you benefit from immediate support in the event of a household emergency.

With its Loyalty Program, SwissCaution rewards your trust with automatic discounts of up to 30% on your annual premium. Young people under the age of 26 also benefit from an additional 10% discount – allowing savings of up to 40% in total.

At every move and every stage of your life, SwissCaution is there to make renting easier, more secure and more peaceful—today and in the future.