SwissCaution was founded in 1991 and is the first insurance company to offer rental deposit guarantees without a bank deposit. With more than 235,000 customers and a rental deposit guarantee portfolio of over CHF 990 million, SwissCaution is the leading provider of rental guarantees without a bank deposit in Switzerland. The company works with over 2,500 real estate agencies throughout Switzerland.

Swiss Post has offered rental deposit guarantees without bank deposits in its larger self-operated branches since 2009 in close partnership with SwissCaution. The cooperation between these two Swiss companies ensures a high level of availability of the offer.

• In 2021, SwissCaution will be celebrating its 30th anniversary. The lump sum registration fees will be reduced by 30% for the year!
• In order to avoid the need for a security deposit, pay a lump sum registration fee of CHF 160.00, which will cover the current year until 31 December. In the following years, your annual premium will be 5% of the rental deposit amount (plus a CHF 20.00 administration fee and 5% stamp duty).
• For young people aged between 18 and 26, the registration fee is reduced to CHF 105.00. Furthermore, they receive a 10% discount on the annual premiums.
• In the event of damage, if your landlord makes claims against you to which you agree, SwissCaution pays the amount claimed by your landlord up to a maximum amount equal to the amount stated on your rental deposit guarantee certificate. You must then reimburse SwissCaution the amount paid in advance to your landlord.
• You may cancel the contract with SwissCaution at any time if you furnish your landlord with a guarantee of equal value that is accepted by him or her.
• Subletting, commercial rental agreements and parking spaces do not qualify for rental deposit guarantees without bank deposits.

You can find more information in the General Terms and Conditions of Insurance.

There is no limit on the amount of a rental deposit guarantee.

Yes, you can conclude a rental deposit guarantee with SwissCaution at any time. This will enable you to recover the money you deposited with the bank.

Ask your landlord or their representative (real estate agency) to return the duly signed original of the rental deposit guarantee certificate to SwissCaution. As soon as your landlord or the real estate agency has requested release of your rental deposit guarantee from SwissCaution, you are automatically exempt from payment of the following year’s annual premium.

If your landlord makes claims against you to which you agree, SwissCaution undertakes to pay the amount claimed by your landlord up to a maximum amount equal to the amount stated on your rental deposit guarantee certificate.  You must subsequently reimburse SwissCaution the amount advanced to your landlord or his representative.

Please remember to contact your (liability/household effects) insurance company, as in some cases your insurer may bear the costs.

If you need a new rental deposit guarantee for your new home as quickly as possible, simply fill in a new SwissCaution rental deposit guarantee application, because in this case, you will have a new rental agreement.

SwissCaution is an insurance company subject to the Swiss Federal Act on Insurance Contracts and is therefore controlled by the Swiss Financial Market Supervisory Authority (FINMA). SwissCaution therefore offers the same guarantees as a bank.

You can cancel your rental deposit guarantee at any time. It is sufficient if you provide your landlord with a different, equivalent guarantee of the same amount and quality. Your landlord or their representative must then return the original of the cancelled rental deposit guarantee certificate to SwissCaution so that your rental guarantee can be released.