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Household Insurance SwitzerlandProtect Your Home & Contents
Comprehensive protection for your personal belongings and liability coverage - essential insurance for every Swiss resident and expat.
Essential Protection Facts
Average water damage cost
Typical liability coverage
Emergency assistance
Why Household Insurance is Essential
Household insurance provides comprehensive protection for your most valuable possessions and protects you from potentially devastating financial claims. Here's what makes it essential for every household.
Contents Protection
Comprehensive coverage for furniture, electronics, clothing, and all personal belongings in your home
Personal Liability
Protection against claims up to CHF 10 million for damages you accidentally cause to others
Emergency Services
24/7 emergency assistance for water damage, lockouts, glass breakage, and urgent home repairs
Alternative Accommodation
Coverage for temporary accommodation costs if your home becomes uninhabitable due to insured damage
Types of Household Insurance
Household insurance typically combines two essential coverages: protection for your belongings (contents insurance) and personal liability coverage. Understanding both components helps you choose the right protection level.
Contents Insurance (Hausratversicherung)
Protects your personal belongings and household contents against fire, theft, water damage, and natural disasters
What's Covered:
Covered Perils:
Typical Annual Cost
CHF 200-600/Jahr
Coverage Amount
CHF 50,000-200,000
Personal Liability Insurance (Privathaftpflicht)
Essential protection from claims when you accidentally cause bodily injury or property damage to others
What's Covered:
Typical Annual Cost
CHF 100-300/Jahr
Coverage Amount
CHF 3-10 Million
Valuation Methods: New Value vs. Current Value
New Value (Neuwert)
Replaces items with new equivalents at current prices
Advantages:
Disadvantages:
Current Value (Zeitwert)
Considers depreciation and current market value
Advantages:
Disadvantages:
Prevention Tips to Reduce Risk & Lower Premiums
Taking preventive measures not only protects your property but can also qualify you for premium discounts with many insurers. Here are essential safety measures for your home.
Fire Prevention
Theft Prevention
Water Damage Prevention
Protect Your Home and Belongings Today
Get personalized household insurance recommendations and comprehensive coverage that fits your lifestyle and budget.
Frequently Asked Questions
Is household insurance mandatory in Switzerland?
Household contents insurance is not mandatory by federal law, but many cantons require personal liability insurance. Some rental agreements may require contents insurance. It's highly recommended for all residents.
How do I determine the right coverage amount?
Calculate the replacement value of all your belongings. A rough estimate is CHF 650-800 per square meter of living space. For accurate valuation, use our household value calculator or get a professional assessment.
What happens if I'm underinsured?
If your insurance coverage is too low, you may face proportional reduction in payouts. For example, if you're insured for CHF 50,000 but have CHF 100,000 worth of belongings, you'll only receive 50% of any claim amount.