Liability and household contents

Private household

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Home & Personal Liability

In a household insurance combination you can combine household insurance and personal liability. With us you have the following advantages:

  • Modular design and customizable
  • Comparison of all the best home insurance in Switzerland
  • Collective discount for your household insurance

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Form for quotations household and personal liability:

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Liability Insurance

Household content insurance

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Household goods

Homeowner’s insurance covers all movable property not permanently attached to the building. Imagine cutting the roof off a house, turning the house upside down, and everything that falls out is one of the insured items under the homeowner’s policy.

What is personal liability insurance

Private liability is not mandatory in Switzerland, but advisable. It covers damages that you have directed to third parties. Similarly, liability defends against unjustified claims for benefits (like “passive legal protection“).

Damage covered by a household insurance policy

Mainly insured are natural hazards such as: Fire, water, glass breakage theft, burglary on site. You can also insure Simple Theft Away from Home, which covers your belongings (up to the amount defined in the policy) also in case of theft away from home. In addition, you can take out a homeowner’s comprehensive or all-risk policy. This also insures damage to your household contents that is not generated by the above-mentioned natural hazards. Furthermore, in addition to damage, All Risk also covers “loss”, “mislaying” and “loss”, including self-damage – in other words, all risks.

What is personal liability insurance

Personal liability covers the financial consequences of personal injury or property damage to third parties. All persons living in the common household are insured therein. This line of business also typically insures gross negligence – damage caused by an oversight, but by your inaccurate or irresponsible actions.

Objects covered by a household insurance policy

Your household effects include everything movable in your home. This includes furniture, decorative objects, utensils, textiles, etc.. Sports equipment and electrical appliances can be specifically insured with comprehensive coverage. In most cases, this is called electrical hull, or simply hull insurance.

Monetary values are often excluded. In the case of special works of art, expensive instruments, jewelry, expensive watches or other special objects, it is advisable to insure these in a separate all-risk valuables insurance.

Private liability in different roles

As a private person, for example, if you damage another person’s object through carelessness, as the head of the family, if your child shatters the neighbor’s window pane with a missed shot while playing soccer, as a pet owner, if your dog bites another person out of fear, as a tenant, if your perfume bottle slips out of your hand and damages the sink in your rented apartment, as a sportsman, as a gun owner, as a cyclist or moped rider, in the case of custodial damage (you are keeping an object belonging to another person, or you are using a colleague’s bike and damage it in a fall, for example), etc.

When is it worthwhile to have household insurance

Imagine your home burns down due to a fire and all of your furniture, accessories, electronics, decorations, etc. are damaged and need to be replaced – if you can’t pay this amount yourself, homeowner’s insurance is recommended. Very important is the choice of the sum insured: it depends on the number of rooms and of course on the equipment: is it expensive furniture, do you have a lot of expensive decorations and valuables? The flat rate per room is about 20’000 CHF with a middle class equipment. The best thing to do here is to make an inventory list with your consultant and you evaluate the situation together. After that, the best thing to do is to make a home insurance comparison so that you can find the cheapest home insurance.

When is private liability worthwhile

Safety first! As a responsible person, it is important to protect yourself from unforeseen events that can lead to financial burdens. With personal liability insurance, you have the assurance that you are covered in the event of damage to third parties. A moment of carelessness or a mishap can happen quickly and result in unexpected costs, whether property damage or personal injury. With a personal liability insurance you are protected in such cases and do not have to pay for the costs yourself. Personal liability insurance also gives you peace of mind, knowing you’re financially covered if you accidentally damage someone else’s property or injure someone. It’s an investment in your financial security and a safeguard for you and your family. So, why play it safe? Get personal liability insurance and protect yourself from unexpected liability risks!

Other coverages

In addition to the above-mentioned benefits, you can insure other extras.

For example, there is hull coverage for sports equipment, electrical hull, or some insurance companies also offer all-risk. This supplement covers unforeseen and sudden damage, destruction or loss.

Other valuables, such as expensive instruments, jewelry, watches or art objects that have a high individual value (for example, over CHF 20,000) can be insured in a separate valuables insurance policy. Some insurance companies even offer an additional module in the household insurance itself for individual valuables that are expensive but may not have such a high value that a separate policy would be worthwhile.

 

Building insurance

Property insurance

Building property insurance is an important insurance for all homeowners in Switzerland. It protects your home from the financial impact of damage caused by fire, water, storms or other unforeseen events.

In Switzerland, building insurance is mandatory in certain cantons. Each canton has its own building insurance laws and regulations. It is important to inform yourself about the specific regulations of your canton to ensure that you are adequately protected.

Building insurance covers damage to your home, as well as to accessories and furnishings, such as heating systems, electrical systems and plumbing fixtures. All structures associated with the building are meant. Building glass is often explicitly mentioned on the policy and you can then also define an initial strike value.

The premium amount for building insurance depends on various factors, such as the value of your house, the location and the risk potential of the canton. It is advisable to research different providers and compare quotes to find the best option for your needs.

Building insurance

Liability

Buildings liability insurance covers damage to people or their property if it was caused by your home or property. For example, if a passerby falls on your sidewalk or your roof tile falls on your neighbor’s car. However, damage to persons living in your household is not covered by this insurance.

In Switzerland, building liability insurance is not mandatory, but it is highly recommended to take one out to protect yourself from financial risks. The premium amount depends on several factors, such as the size of your home and the property.

If you already have personal liability insurance and you live in this single-family house yourself, or if you need liability for your apartment building with a maximum of three apartments, one of which is occupied by yourself, then you no longer need to take out separate building liability insurance, as this is already covered by your personal liability.

Request a quote for building insurance with this form

Imagine your home burns down due to a fire and all of your furniture, accessories, electronics, decorations, etc. are damaged and need to be replaced – if you can’t afford to pay this amount yourself, it is recommended to have a homeowner’s insurance. Very important is the choice of the sum insured: it depends on the number of rooms and, of course, on the equipment: is it expensive furniture, do you have many, expensive decorations and valuables? The flat rate per room is about 20’000 CHF with a middle class equipment. The best thing to do here is to make an inventory list with your consultant and evaluate the situation.

As a private person, for example, if you damage another person’s object through carelessness, as the head of a family, if your child shatters the neighbor’s window pane with a missed shot while playing soccer, as a pet owner, if your dog bites another person out of fear, as a tenant, if your perfume bottle slips out of your hand and damages the sink in your rented apartment, as a sportsman, as a gun owner, as a cyclist or moped rider, in the case of custodial damage (you keep an object belonging to another person or, for example, you use a colleague’s bicycle and damage it in a fall), etc.

Important: notify us at the time of taking out insurance if you own an animal, engage in equestrian sports, hunt, occasionally drive foreign vehicles. These risks must be listed in the policy for coverage to be guaranteed.

During the process of building your property, you should insure yourself with specific liability insurance to protect against unforeseen events that may occur during the construction phase.

This so-called construction insurance covers damage to the structure that can be caused by events such as fire, storm, lightning, water and theft. Property damage caused by human error or third parties may also be included in the insurance.

In Switzerland, construction insurance is not mandatory for private homeowners, but it is highly recommended to take one out to protect yourself from the financial risks of the construction process. The cost of insurance depends on various factors, such as the construction value, the duration of the construction phase and the selected scope of insurance.

It is also important to note that construction insurance is only valid during the construction phase and must be converted to buildings insurance once construction is complete.

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