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Zurich Privatschutz: the policy wording in full
Baustein der Privat-Haftpflichtversicherung für die nicht gewerbliche Vermietung von Ferienhäusern und Ferienwohnungen im Inland sowie subsidiär im EWR, der Schweiz und dem Vereinigten Königreich.
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Everything about this policy
What the policy covers: 65 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Zurich Privatschutz.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated product for let holiday homes (not just an extension of personal liability, contents or buildings cover) | no | „Mitversichert ist Ihre gesetzliche Haftpflicht aus der Vermietung von …“ | B-PHV 01-01 Ziff. 4.2.1, page 2 |
| Building blocks in one contract: liability, contents, buildings and loss of rent freely combinable | yes | „Die genannten Bausteine werden nur dann Vertragsbestandteil, wenn sie im …“ | B-PHV Vorbemerkung, page 1 |
| Commercial letting (registered business, letting as main income) insurable | not addressed | ||
| Maximum number of units, beds or guests per contract | not addressed | ||
| Annual rental income cap up to which letting is covered | not addressed | ||
| Holiday property abroad insurable (countries verbatim) | yes | „Mitversichert ist Ihre gesetzliche Haftpflicht aus der Vermietung einer …“ | B-PHV 01-01 Ziff. 11, page 3 |
| Policyholder need not live on site (second home, remote management) | not addressed | ||
| Owner's own use between lets covered | yes | „Dies gilt auch, wenn die Wohnung von Ihnen als Wochenend-/Ferienwohnung genutzt wird.“ | B-PHV 01-01 Ziff. 1.2, page 2 |
| Letting via booking platforms (Airbnb, Booking etc.) expressly included | not addressed |
Landlord liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for landlord liability (combined bodily injury and property damage) | yes, up to the sum insured | „Die Entschädigungsleistung ist in jedem Fall auf die für diese Versicherung (bei …“ | B-PHV 02-01 Ziff. 2, page 3 |
| Bodily injury to guests (falls, scalding, defective fittings) | not addressed | ||
| Liability for damage caused by defective furnishings or appliances | not addressed | ||
| Damage to or loss of guests' belongings (innkeeper's liability) | no | „Nicht versichert ist die Haftpflicht für Beschädigung, Zerstörung und Verlust von …“ | B-PHV 01-01 Ziff. 4.5, page 2 |
| Duty to maintain safety of grounds, paths, winter clearing and outdoor areas | yes | „Mitversichert ist Ihre gesetzliche Haftpflicht aus der Verletzung von Pflichten, die …“ | B-PHV 01-01 Ziff. 1, page 2 |
| Liability for pool, hot tub, sauna, play equipment and trampoline | not addressed | ||
| Liability from bicycles, e-bikes, boats or sports equipment lent to guests | not addressed | ||
| Loss of third-party keys and locking systems | not addressed | ||
| Water pollution liability from a heating oil tank on the property | yes | „ist Ihre gesetzliche Haftpflicht als Eigentümer einer zu einem Objekt gemäß 1.1 bis 1.3 …“ | B-PHV 01-01 Ziff. 6, page 3 |
| Environmental damage under public-law remediation duties | not addressed | ||
| Default cover when a liable guest or third party does not pay | not addressed |
Damage caused by guests
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage by guests to the furnishings (wine on the sofa, broken appliances) | not addressed | ||
| Damage by guests to the building or flat (floors, doors, sanitary) | not addressed | ||
| Vandalism and malicious damage by guests (without break-in) | not addressed | ||
| Theft by guests (simple theft without forced entry) | not addressed | ||
| Damage caused by guests' pets | not addressed | ||
| Special cleaning after guest damage (smoke, vomit, pests) | not addressed | ||
| Exclusion of wear and tear from normal use | not addressed | ||
| Guest's deposit or liability insurance must be claimed first (subsidiarity) | yes | „Der Versicherungsschutz für das unter Ziff. 4.2.1 versicherte Objekt in der …“ | B-PHV 01-01 Ziff. 4.2.2, page 2 |
| Waiver of recourse against the guest for slightly negligent damage | not addressed |
Contents and building
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for the holiday home contents | not addressed | ||
| Indemnity at replacement value (new for old) | not addressed | ||
| Waiver of underinsurance | not addressed | ||
| Building of the holiday property insurable in the same contract | not addressed | ||
| Fire, lightning, explosion | not addressed | ||
| Escape of water and frost | not addressed | ||
| Storm and hail | not addressed | ||
| Burglary and vandalism after break-in | not addressed | ||
| Other natural hazards (flood, heavy rain, earthquake, snow load) | not addressed | ||
| Electronics and appliances (TV, router, kitchen) against breakage and misuse | not addressed | ||
| Garden furniture, barbecue and contents on terrace or balcony | not addressed | ||
| No reduction for gross negligence | not addressed | ||
| Inventory list required for indemnity | not addressed |
Loss of rent and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of rent when the property cannot be let after an insured loss | not addressed | ||
| Maximum duration of loss of rent cover in months | not addressed | ||
| Loss of rent only for bookings that can be evidenced | not addressed | ||
| Loss of rent from closure or prohibition of use by authorities | not addressed | ||
| Costs of alternative accommodation for guests after a loss | not addressed | ||
| Owner's travel costs to the loss location | not addressed | ||
| On-site emergency and tradesperson service (locksmith, plumbing, heating) | not addressed | ||
| Legal expenses for disputes with guests or booking platforms | not addressed | ||
| Clearance, demolition, removal and protection costs | not addressed |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim | not addressed | ||
| Exclusion of commercial letting | yes | „Vom Versicherungsschutz ausgeschlossen ist die Vermietung zu gewerblichen Zwecken.“ | B-PHV 01-01 Ziff. 4.2.1, page 2 |
| Exclusion of damage at parties, events or overcrowding | not addressed | ||
| Vacancy clause: restriction if the property is unoccupied for longer (period verbatim) | not addressed | ||
| Duty of regular inspections between stays | not addressed | ||
| Frost obligation: heating or draining pipes when vacant | not addressed | ||
| Security requirements (locks, key safe, alarm, smoke detectors) | not addressed | ||
| Proof of official permit or registration required | not addressed |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract term and notice period | not addressed | ||
| Insurer's right to cancel after a claim | not addressed | ||
| Basis of premium calculation (floor area, beds, rental income, sum insured) | not addressed | ||
| Innovation clause: future improvements apply without extra premium | not addressed | ||
| Guarantee of being no worse than the association model wording | yes | „Sofern ein in Deutschland zum Betrieb zugelassener Versicherer eine …“ | B-PHV 02-01 Ziff. 1, page 4 |
| Contract language and applicable law (for properties abroad) | not addressed |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Zurich Insurance Europe AG
- Distribution
- not known
- Bausteine Privatschutz Privathaftpflicht 04/2025 Edition: B-PHV 2025, Fassung 04.2025 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Zurich Privatschutz and available as plain text.
Volltext Zurich Privatschutz Ferienvermietung · As text (Markdown) Zurich Privatschutz Holiday letting