A tailor-made rental guarantee for your home

With Firstcaution, you can pay your rental guarantee monthly or annually, to suit your budget. Choose a solution with no bank deposit or with a flexible deposit, and adjust your guarantee at any time. Your money stays available for the entire duration of your lease.

Rental guarantee or flexible rental guarantee: what's the difference?

Whichever option you choose for your rental guarantee, Firstcaution has the solution:

Would you like a rental guarantee with no bank deposit? That's possible — in 3 minutes you can get your rental guarantee.

Would you like to pay all or part of your rental guarantee as a bank deposit? That's possible too! Simply choose the amount you want to deposit using the "flexible deposit" slider on the calculator. The amount you choose to deposit reduces your annual invoice. This money is never locked away — you can take it back at any time, whenever you need it!

And that's not all: from now on, your rental guarantee comes back to you! With our Firstback bonus, get cashback of up to 20% of the total premiums you have paid at the end of your contract!*

How does the flexible deposit work?

On the calculator, you enter the amount of the rental guarantee required and the start date of your lease.
Would you like a rental guarantee with no bank deposit? There's no need to use the flexible deposit slider — your deposit is automatically CHF 0.-.
Would you like to pay an amount into an account? Simply move the slider. You'll see the amount of your annual invoice adjust automatically.
You complete the online registration in 3 minutes.
We process your request immediately.
We send your guarantee certificate to your property management or your landlord.
You can choose to pay online or by invoice.
At any time during your lease, you can take your money back or, conversely, decide to pay an amount in. Your annual premium invoice is adjusted automatically according to your choice.

The Firstcaution rental guarantee is 100% reliable for your landlord or property management, as we hold a FINMA licence. The certificate issued when you move in remains valid for the property management, whatever choices and changes you make to your flexible rental guarantee.

How can I get a rental guarantee immediately?

To receive your rental guarantee, simply follow the steps in the registration form.

Send us your details.
Attach a copy of your lease (or draft lease) and a copy of your ID.
Save 5% on your first invoice by paying online, or request an invoice by post to be settled once you have received your rental guarantee.
We process your request immediately.
We send your rental guarantee certificate to your property management or landlord.
You receive a rental guarantee policy for your own records.

How much does the Firstcaution rental guarantee cost?

You choose the option that suits you best: monthly or annual payment. And whichever option you choose, 20% of your premiums is returned to you at the end of the contract, subject to conditions.

Option 1 – Monthly payment
You pay in monthly instalments, from the start date of your lease.

The price is calculated on the basis of 5.5% of the guarantee amount, CHF 20.- in management fees and federal stamp duty.
The total is then divided by 12 to give your monthly instalments.
Payments start on the start date of your lease and are debited automatically each month from the card provided at registration.

Option 2 – Annual payment
You pay once a year, in advance, to cover the following insurance period.

A flat rate for the first year, at a fair price
The first premium is a flat rate and depends solely on the date you move in, whatever the amount of your guarantee.

"Firstcaution is quick and very efficient. Thank you for your support."

Julien O.

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Annual payment option: an invoice tailored to you

From the second year onwards
The annual premium is calculated according to the guarantee amount stated in your lease
5% of the guarantee amount + CHF 20.- in management fees + federal stamp duty (i)

(i) Federal stamp duty is a federal tax that is the same for everyone.

Example price calculation:
For an apartment at CHF 1300.- /month, lease starting in July:

rental guarantee = 3 × CHF 1300.- = 3'900.-
first invoice: CHF 120.-
annual invoice from the 2nd year onwards = (5% × 3'900.-) = 195 + 20 + 10.75 = CHF 226.-

If you choose annual payment, you can reduce your premium with the flexible deposit.

You have 3 options

100% guarantee, no deposit
Mix of guarantee and flexible deposit
100% bank deposit

Example calculation with a flexible deposit:
For an apartment at CHF 1300.- /month, lease starting in July:

rental guarantee = 3 × CHF 1'300.- = 3'900.-
you choose to pay in CHF 1'000.- as a deposit
first invoice: CHF 120.-
annual invoice from the 2nd year onwards: 5% × (3'900.- − 1'000.-) = 145.- + 20.- + 8.25 = 173.-

You can take back the deposited money at any time, or pay in an additional deposit. We will adjust your invoice accordingly.

Example calculation with a 100% bank deposit:
For an apartment at CHF 1'300.- /month, lease starting in July:

rental guarantee = 3 × CHF 1'300.- = 3'900.-
you decide to pay your entire rental guarantee in as a deposit
deposit: CHF 3'900.-
first invoice: CHF 100.-
annual invoice from 2021: CHF 21.-

You can take back the deposited money at any time. We will adjust your invoice accordingly.

Firstback, cashback on your rental guarantee

What if your rental guarantee came back to you?

20% of the total premiums you have paid comes back to you at the end of your contract.

No form. No request to file. No small print to hunt down. You pay your premium as usual, and at the end, part of it lands back in your bank account. Automatically.

All you need

No claim confirmed by the property management
All premiums paid on time
A contract of at least 12 months

Your benefits with the Firstcaution rental guarantee

Simple, fast and flexible

Online registration in 3 minutes and immediate processing of your request.
Choose whether or not to pay all or part of your rental guarantee as a deposit, without locking away your money.
Your money stays available and can be taken back at any time, subject to eligibility for the guarantee insurance.
Adjust your rental guarantee to your needs, quite simply.
No steps are required from your property management or your landlord.
Your rental guarantee certificate stays unchanged, whatever choices and changes you make.
Our Firstback bonus: 20% of your total premiums is paid back to you at the end of your contract!*

Clear and at your service
We answer all your questions. You can reach us by phone, by e-mail and on WhatsApp.

Reliable

Firstcaution is an insurance company licensed by FINMA.
Our guarantee is 100% reliable.
As a rental guarantee specialist, we offer a fast, high-quality service.
We are recognised throughout the real estate sector for our professionalism.

Tailored to you
The amount of your annual invoice is calculated according to the amount stated in your lease, the date you move in, and whether or not you choose to pay a deposit.