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Forget about expensive security deposits – use our easy alternative instead. Rental guarantee insurance gives you financial flexibility while offering your landlord financial security.
from 10.50 per month
Swisscom sure provides flexible insurance tailored to your wants and needs.
Rental guarantee insurance is offered in collaboration with our partner, AXA Insurance Ltd.
Rental guarantee insurance is a surety that gives you financial flexibility, while at the same time offering your landlord the same level of security as with a security deposit. You pay a monthly premium for this surety.
Rental guarantee insurance explained: If you damage your rental apartment or fail to pay your rent, this insurance will reimburse your landlord. You will then have to repay this amount later.
Use your money for what's important – new furnishings for your place or other things you really want.
Landlords appreciate rental guarantee insurance because it provides them with immediate security.
Pay it monthly together with your Swisscom bill – no annual payments or installment fee.
Cancel when you wish to. No lengthy contract terms.
Our team is ready to help with any questions or issues you may have - free of charge.
Rental guarantee insurance
From 10.50 per month
Make your dream apartment come true
Marcel and Aurora have just been approved for an apartment. But the security deposit amounts to three months’ rent. This is too much for them.
The couple would rather spend their money on a car and new furniture.
So Marcel and Aurora decide to take out rental guarantee insurance through Swisscom sure.
Their landlord receives a surety bond certificate. He appreciates how little paperwork is involved.
Marcel and Aurora can now keep their money. They can start this new phase of their life without any stress.
With rental guarantee insurance you don’t have to place up to three months’ rent in a security deposit account to move into a new apartment.
Rental guarantee insurance stands surety for you as the tenant. And your landlord receives a surety bond that is equivalent to a security deposit. All you pay is a monthly premium that is based on the amount of the security deposit stated in your rental agreement.
Security deposit:
You have no access to your money. Your money is locked away in a bank account for the entire life of the lease.
Security: A security deposit in an bank account offers the same security as rental guarantee insurance.
Cost: Depending on your bank, you may have to pay account opening and account closing fees. You could also be missing out on earning interest because you are not able to invest your money how you want.
Rental guarantee insurance:
Your money is not tied up in a bank account. You do not need to deposit any money.
Security: Rental guarantee insurance provides the same security as a security deposit in an escrow account.
Cost: 4% of the security deposit amount plus federal stamp duty.
No, the premiums you pay as a tenant are used to pay for the surety bond, which is a guarantee that the insurance will pay for damage to the apartment or overdue back rent owed up to the defined amount during the term of your lease. However, this is only an advance payment by the insurance. You will be required to repay this amount.
You must be at least 18 years old to purchase rental guarantee insurance. We recommend that in addition to rental guarantee insurance, you take out personal liability insurance as well because it covers some of the damages caused as a tenant. For example, if you drop a perfume bottle in the bathroom sink and it cracks the sink.
Don’t have personal liability insurance? Find out more about what we can offer you here.
You will find general information on data processing by Swisscom as well as information on additional data processing in insurance brokerage at www.swisscom.ch/privacy. You can find out how the insurance company processes your data in the privacy policy or read the insurance terms and conditions of the insurance company in question.
Unable to find the answer you were looking for or in need of additional help?
The Customer Care Team at Swisscom sure will be happy to help you.
Lines are open Monday to Friday 8 am to 5 pm.
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Everything you need to know about Swisscom sure insurance services.
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