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Household and personal liability insurance

Household and personal liability insurance

Two almost essential insurance policies in Switzerland to protect your property and your liability.

Household insurance covers your personal belongings against theft, fire, water damage and natural events. Civil liability (RC) insurance covers damage you could cause to third parties. In Switzerland, these two insurances are almost systematically required by lessors in the lease contract, and their cost is modest compared to the coverage offered.

What's Included

  • Assessment of the value of your property to be insured
  • Comparison of offers from the main Swiss insurers
  • Subscription to household and liability insurance
  • Explanation of coverages and exclusions
  • Transmission of the certificate to your agency

Steps and Timeline

1

Coverage estimate

We estimate the value of your movable property to determine the appropriate amount of household insurance.

2

Comparison and subscription

We compare the offers (Mobilière, Helvetia, AXA, Zurich, Baloise) and register you at the best price.

3

Transmission of the certificate

We send the insurance certificate to your management company, as often required in the lease.

Common Mistakes

  • Underestimating the value of your belongings and being underinsured in the event of a loss
  • Forgetting to take out private liability insurance – a domestic or sporting accident can be very expensive
  • Do not read the exclusions (theft of unsecured bicycle, undeclared valuables)
  • Failing to declare valuable items (jewelry, instruments, works of art)

Related Services

Service Municipal Registration in Switzerland Service LAMal Health Insurance in Switzerland Service Opening a Bank Account in Switzerland Service Telecom and Internet in Switzerland

Frequently Asked Questions

How much does household and liability insurance cost in Switzerland?
For a couple in a 3-room apartment, count on CHF 200 to 400 per year for a cleaning + RC pack. The price depends on the insured value, place of residence and the excess chosen. This is a very modest investment considering the coverage.
Is liability insurance really compulsory?
Legally, only the canton of Vaud imposes private liability. In other cantons, it is the lessors and management authorities who contractually require it in the lease. In practice, almost all tenants in Switzerland are insured with civil liability.
What exactly does household insurance cover?
Household insurance covers your movable property against: fire, water damage, burglary, broken glass, natural events (storm, hail). Common options include simple theft (away from home), moving damage and valuables coverage.

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