Household contents insurance is suitable for anyone who wants to protect their personal belongings at home. For example, if your apartment burns down or a thief steals your things, purchasing new items can be very expensive. Household contents insurance protects you financially in these cases. 

We recommend purchasing household contents insurance once you move out of your parent’s home. Or at the latest when you move into a home of your own.

That depends on the cost of the contents of your household. If you have average furnishings in a three-room apartment, we generally recommend coverage of around CHF 100,000. You can view more recommendations when you calculate your premium. 

It is important that you do not select coverage that is too low. That would mean you are under-insured. If you are under-insured, you will not receive payment for all damages when you make a claim. We therefore recommend checking your coverage amount regularly. Over time, or when you move into a larger apartment, the value of your household contents may rise. It’s important that you adjust the insured sum at that time. 

You are not required to have household contents insurance in Switzerland. However, this is still a very important insurance to have if you want to ensure you have financial protection for your personal belongings and your household contents in the event of damages or theft. 

Gross negligence means that a person has failed to take basic cautionary measures, ones that a sensible person would have taken in the same situation. For example, if you live in a ground floor apartment but leave the terrace doors open all night. If your valuables are then stolen as a result, your actions would be considered grossly negligent. 

From the beginning of the contract. You can find this date in your policy. Damages are covered starting on this date.

We only provide limited coverage for valuables. If you own valuables such as expensive jewellery, paintings, watches and artwork, we recommend that you take out additional valuables insurance.

Motor vehicles, e-bikes capable of travelling faster than 45km/h, trailers, caravans and mobile homes, e-scooters capable of travelling faster than20km/h are also not covered by household contents insurance. 

We only provide limited coverage for valuables. If you own valuables such as expensive jewellery, paintings, watches and artwork, we recommend that you take out additional valuables insurance.

Motor vehicles, e-bikes capable of travelling faster than 45km/h, trailers, caravans and mobile homes, e-scooters capable of travelling faster than20km/h are also not covered by household contents insurance.