Rental deposit guarantee
Three months' rent locked on a blocked account, or an insurance guarantee that frees your savings: the same commitment towards the landlord, without tying up your money.
Two minutes is all it takes: tell us who you are and what needs covering. We come back with compared quotes.
The essentials
In Switzerland, the landlord may require security of up to three months' rent for a home. In its classic form it sleeps on a blocked bank account in your name: several thousand francs immobilised for the whole duration of the lease, often at the very moment a move is already expensive.
The rental deposit guarantee replaces this deposit: the insurer stands surety towards the landlord, and you pay an annual premium instead of blocking your savings. One misconception to clear up: the premium is not savings, and if the insurer indemnifies the landlord, it then turns to you to recover the amount paid.
The right choice depends on your situation: available cash, the foreseeable duration of the lease, the premiums accumulated over the years. We compare the market's offers, premiums, fees, termination conditions, and we tell you honestly when the classic bank deposit remains the better solution.
What this insurance covers
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Surety towards the landlord
The insurer issues the guarantee certificate the lease requires, up to three months' rent: your commitment is covered without a bank deposit.
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Savings left untouched
No guarantee account to fund: the thousands of francs of the deposit stay available for the move, the furniture or your pension savings.
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Quick set-up
The certificate is issued within days, often online: useful when the lease signature and the handover of keys fall in the same week.
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Switching during the lease
An existing bank deposit can be replaced by an insurance guarantee with the landlord's agreement: the blocked account is released.
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Termination at the end of the lease
Once the home is returned and all claims settled, the guarantee is terminated: we check the deadlines and conditions so the premium stops at the right time.
Who it is for
- Tenants moving in who prefer to keep their savings available rather than block three months' rent.
- Young people and families setting up home, for whom deposit, move and furniture land in the same month.
- Sitting tenants whose bank deposit has been dormant for years and could be released.
- People arriving in Switzerland, without a local banking history, who must provide security quickly.
How we support you
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Analysing your risks
What you have, what is missing, what overlaps: an honest assessment.
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Competitive tenders
Several insurers approached against a precise specification, compared item by item.
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Long-term follow-up
Set-up, renewals, claims: a single point of contact, year after year.
Frequently asked questions
Does the insurance guarantee cost more than the bank deposit?
Over time, yes: the annual premium, often a few percent of the guaranteed amount, is paid every year without building any savings, whereas the bank deposit remains yours with its interest. Insurance is justified when liquidity matters more than the accumulated cost: moving in, tight cash flow, a lease of short foreseeable duration. We put both options into figures before you sign.
What happens if the landlord calls on the guarantee?
The insurer indemnifies the landlord for justified claims, unpaid rent or damage at handover, then exercises recourse against you: you repay the amount paid out. The rental guarantee is therefore not an insurance that pays in your place; it is a surety that replaces the deposit. In a dispute with the landlord you keep all your means of objection, and legal protection cover can support you.
Can I replace my current bank deposit with an insurance guarantee?
Yes, with the landlord's agreement: the insurance certificate is handed over, and the blocked guarantee account is released in your favour. The step is worthwhile when the deposit ties up money you have a use for; less so if the lease is nearing its end. We help you word the request and choose the most advantageous offer.
How does the guarantee come to an end?
At the end of the lease, once the home has been returned and any claims of the landlord settled, the landlord releases the guarantee; you then terminate the contract and the premium stops. Without this formal release, the guarantee and its premium keep running: the point tenants forget most often, and one we follow up with you.
Also worth exploring
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Jules Rossier, non-tied insurance intermediary within the meaning of Art. 45 of the Insurance Supervision Act (ISA), registered with FINMA under no. F01581788.