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Frequently asked questions

All you need to know about the rental guarantee

You have the following options to register:

  • via our website (the quickest and easiest way)
  • at a Swiss Post office
  • at an agency of La Mobilière or SwissCaution
  • with the registration form in our brochure, to be returned by post
  • at your real estate agency (if part of our partners)

The quickest way to receive your rental guarantee is to register online and include all the required documents:

  • your signed lease or draft lease (all pages)
  • identity card of each tenant on the lease, or for foreign tenants a copy of their B, B refugee, C or F residence permit. If you hold another type of residence permit, a guarantor domiciled in Switzerland will be required.

To save time, scan (image or pdf format) or take a photo of each page of your lease and official identity documents with your smartphone.
If you do not have the possibility to upload these documents, please send them by e-mail or post after having submitted your online registration request.

The issuance of your rental guarantee can only be done after receiving all required documents and the payment of your annual premium.

The online registration process ensures a quick delivery of your rental guarantee.

You can calculate your premium using our premium calculator.

The rental guarantee takes effect the date that the rental guarantee certificate is issued and you are obliged to pay your annual premium each year.

Your rental guarantee is valid until the landlord has released the rental guarantee with SwissCaution.

You can cancel your rental guarantee at any moment without notice. All you need to do is to provide an equivalent rental guarantee that is accepted by your landlord. Only your landlord or his/her representative can release your rental guarantee by returning the original, signed rental guarantee to SwissCaution.

For any change in the accommodation (entry/exit of persons, increase in rent/rental guarantee), you have to send us a copy of the lease amendment signed by all parties, as well as the identity documents of the persons remaining on the lease. It is your responsibility to keep SwissCaution informed of these changes.

As long as your rental deposit has not been released by your landlord (this process can take up to 12 months, depending on tenancy law), you are obliged to pay your annual premium (payable in advance, in accordance with our CGI). We cannot issue pro rata premium invoices. Once your rental guarantee has been released, a pro rata (or full) refund of the annual premium may be possible (see CGI).

No, unless you are moving into the same building and it is same real estate agency/landlord and the latter confirms:

  • that there are no claims on the old apartment
  • that he/she authorizes SwissCaution to proceed with the modification of the insurance contract. A new lease is required.

If you move to another building, you have to make a new request and a transfer of the existing guarantee is not possible. A new registration is required for each new apartment.

In the event of an accident, if your landlord has claims against you (for example, damages or unpaid rent) and if you give your consent, SwissCaution will directly pay the amount claimed up to the maximum amount of your rental guarantee. You will then have to reimburse SwissCaution the amount that was paid to your landlord.

Do not forget to contact your insurer (civil liability/home insurance) to check if those costs could possibly be covered.

Yes, if one of the tenants registered on the lease is under 26 years old at the time of the SwissCaution rental guarantee issuance, a 10% discount will be granted on the annual premium. In addition to that, a 10% discount will be deducted from the annual premium in subsequent years until the tenant reaches his 26 years of age.

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Subject to eligibility (no pending debt collection procedure with SwissCaution), a discount is granted to tenants with a SwissCaution rental guarantee for a residential lease:

  • After 2 full years of insurance, a 10% discount is applied to your premium amount.
  • After 3 full years of insurance, a 20% discount is applied to your premium amount.
  • After 4 full years of insurance, a 30% discount is applied to your premium amount.
  • having a good credit rating
  • being at least 18 years of age
  • your accommodation must be in Switzerland
  • for foreigners, be in possession of a “B,” “B refugee”, “C,” or “F” residence permit.
  • A residential lease with a minimum duration of three months.

The rental guarantee can only be requested if subletting is mentioned and authorized in the original lease agreement. Please submit all pages of the original lease as well as your sublease agreement duly signed by the landlord.

If you are searching for accommodation and you have not yet received your lease, SwissCaution can provide you with a provisional certificate that formally guarantees your landlord of the delivery of your future SwissCaution rental guarantee. Thanks to this free document, you benefit from a considerable advantage in your search for accommodation.

Yes, SwissCaution will reimburse you the amount of your annual premium prior to its expiring proportionate to the amount of time elapsed.

However, in accordance with article 42, paragraph 3 of the Federal Insurance Contract Act (LCA), if the release of your rental guarantee occurs during the calendar year which follows the issuance date of your rental guarantee (for example, the rental guarantee is issued on 04/01/2018 and is released by the real estate agency on 09/30/2019) the premium for the first year will become non-reimbursable unless you register for a new rental guarantee with SwissCaution.

In the event that you sign up for a new SwissCaution rental guarantee, you can request that the amount of your unexpired premium be credited without a deduction of the administrative costs on your new rental guarantee file.

If you fulfill one of the conditions mentioned above, we kindly ask you to contact SwissCaution customer service at 0848 001 848 between 8am and 5:30pm from Monday to Friday in order to provide us with the details and receive the reimbursement for your annual unexpired premium.

Ask your landlord or his/her representative (real estate agency) to return the signed original document of the SwissCaution rental guarantee. As soon as your landlord or real estate agency has requested the release of your SwissCaution rental guarantee, you will be automatically released from paying the annual premium the following year.

If your landlord has claims against you (for example, damages or unpaid rent) and if you give your consent, SwissCaution will directly pay the amount claimed up to the maximum amount of your rental guarantee. You will then have to reimburse SwissCaution the amount that was paid to your landlord.

Do not forget to contact your insurer (civil liability/home insurance) to check if those costs could possibly be covered.

To quickly receive a new rental guarantee for your new housing, you will need to register for a new SwissCaution rental guarantee considering a new lease is involved.

Yes, you can sign up for a SwissCaution rental guarantee at any time and reclaim the money deposited at your bank. We recommend that you request approval from your landlord or real estate agency beforehand.

There is no maximum amount.

SwissCaution offers the same guarantees as a bank. SwissCaution is an insurance company subject to the law on insurance contracts and consequently to the supervision of the Swiss Financial Market Supervisory Authority (FINMA).

All you need to know about HomeAssistance

Lost keys, leaking water, a wasp’s nest under your roof… Once you’ve settled into your home, the unexpected can sometimes happen. But don’t worry: the SwissCaution rental guarantee comes free with the HomeAssistance breakdown assistance service.

The HomeAssistance service is at your disposal 24/7 in the event of an emergency, and covers up to CHF 1,000 per claim. And that’s unique in Switzerland!

If you are faced with an emergency related to your apartment insured by your rental guarantee, we advise you to contact your landlord or his/her representative first to find out how he/she wishes to proceed.
We recommend that you contact HomeAssistance in the following cases:

  • you have already contacted your landlord or his/her representative and he/she has given you his/her agreement to call on HomeAssistance
  • you are faced with an emergency outside your real estate agency’s opening hours or when your landlord is unreachable
  • in the event of loss of traveler’s checks, cash, bank cards, postal account cards, credit cards and customer cards

All customers with a SwissCaution rental guarantee for a residential lease.

It must be an emergency related to the apartment covered by the rental guarantee for a residential lease. For more details about the different types of emergency intervention, please refer to the SwissCaution HomeAssistance conditions

We work with local craftsmen who have a proven track record.

The organizational costs of the measures are covered without deductible up to CHF 1,000 per claim.

Call SwissCaution at 0848 001 848 and select the HomeAssistance service 24/7. You will then be identified by your name / SwissCaution contract number. This allows us to organize the emergency intervention as quickly as possible.