Insurance Broker GraubündenIndependent, Transparent, Reliable

Why Graubünden is different?

Graubünden’s rules reflect its unique mountain lifestyle.

Living in Graubünden comes with some of the highest insurance costs in Switzerland. Geography, healthcare access, and limited provider options make it harder to find fair premiums, but with the right comparisons, families here can save thousands every year.

• Higher premiums: households in mountain regions pay more due to accessibility challenges and fewer providers compared to cantons like Zurich or Aargau.
• Limited provider choice: many insurers apply regional loadings in Graubünden, meaning you won’t see the same offers available in larger cities.
• Tourism-driven complexity: residents with second homes in resorts such as St. Moritz, Davos, or Lenzerheide often need combined property & liability coverage, which drives costs up.
• Healthcare costs: doctor availability and hospital distances in rural areas mean higher per-capita healthcare expenses.

With independent advice, you keep full coverage and peace of mind while avoiding unnecessary overpayments.

Our service includes

• Insurance advice: Clear, tailored guidance for health, life, household, car  and liability coverage
• Individual concepts: Packages customized to your private or business needs.
• Provider comparison: Independent review of premiums and benefits to find the best value.
• Policy optimization: Review and adjustment of existing contracts to close gaps and reduce costs.
• Corporate insurance: Tailor-made solutions for companies and employees.
• Claims support: Guidance in case of damages or disputes with insurers