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Why do I need animal insurance?

Why do I need animal insurance?

Why do I need animal insurance?

In the best case, dogs and cats will be fine for a lifetime and they only need regular vaccinations and worming. In old age maybe a dental treatment and nothing more. But many pet owners find their four-legged friend all too often at the veterinarian because Bello has fallen and a leg has broken or because the kitty has a nasty virus that makes her sick every day. The cost of treatment quickly reaches four-figure amounts, because usually it does not remain with a visit to the veterinarian. Many accidents and illnesses result in numerous follow-up treatments that can quickly cost money.

Why do I need animal insurance?

Animal insurance helps

Animals today have a much higher status and are seen as full family members. Obviously, they should receive appropriate treatment in an emergency! Given the cost, many pet owners shy away from such treatment because they simply cannot afford it. 

You better take precautions! The offers of the individual insurers for special animal insurance are better than ever today, the scope of services is significantly larger and the premiums are comparatively low. It is possible that Pet insurance to be adjusted in individual cases, which of course depends on the insurance provider and his scope of services.

For example, only treatment costs in the event of illness or after accidents can be included in the contract. However, it is also possible to insure preventive measures and alternative treatments. The bonuses are adjusted according to the benefits.

Who needs animal insurance?

If you are wondering whether animal insurance is necessary, you should take a closer look at the following questions:

    • Do you have a dog or a cat?
    • Can't or don't want to afford high treatment costs?
    • Would you like your animal to be well protected and treated for life?
    • Would you like to be able to use all medical options to save the animal?

If you answer these questions? Yes? Answer, animal insurance is the right choice for you. You can be sure that you will leave no stone unturned to provide the best possible help to your dog or cat in the event of illness or injury.

Conclusion: That's why you need animal insurance

In summary, it can be said that you always need animal insurance if you want to be insured for urgently needed treatment of a dog or cat. The premiums to be paid monthly or annually are much easier to raise than many thousands of francs in the event of important emergency treatment or for the subsequent treatment that will be necessary later.

Before you sign the contract, you should read the offers for Compare pet insurance, because the insurers' premiums and scope of benefits differ greatly in some cases.

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What is animal insurance?

Animal welfare dogs and cats neotralo

What is animal insurance?

Around half a million dogs live in households in Switzerland, as well as around a million cats. The four-legged friends should make everyday life easier and are buddies, comforters, playmates and best friends all rolled into one. Do you enrich life? just unfortunately not the wallet. In view of expensive operations due to illness or accident, this can be made much easier. Quite a few pet owners have the feeling that they can at least finance the vet's next vacation with the money the dog or cat costs! An animal insurance but protects against such high expenses.

Animal welfare dogs and cats neotralo

Protection against high costs through animal insurance

It is assumed that a cat costs up to 20,000 Swiss Francs in its life and special feed, extravagant treatments or other excessive costs are not included. A dog is understandably more expensive. Still, less than ten percent of domestic animals in Switzerland are still adequately insured, which is surprising given the general level of insurance in Switzerland. Animal insurance can protect against high costs and in return must be taken out at a comparatively low fee. The benefits that are borne by animal insurance vary depending on the provider. As a rule, these costs are covered:

    • Post-accident surgery costs
    • Treatment costs after poisoning
    • Treatment costs for diseases
    • partial coverage of prevention costs (vaccinations, worming, etc.)

Animal insurance can be taken out especially for dogs or cats. Many insurers set age limits, usually animals are only insured from the age of three months. Often seven years are the upper limit for the admission of animals, but some providers have no age limit. The premium will then be more expensive, at least for new animals to be insured with a higher entry age.

New opportunities require higher costs

While in the past many animals were put to sleep because they could not be adequately treated, veterinary medicine now has extensive treatment options. These include operations that would have been unthinkable in the past: kidneys have already been transplanted in cats in the USA! 

The sense and nonsense of some treatments can certainly be disputed, but it is good for every pet owner to know that the wallet does not have to decide on a life-saving or at least life-prolonging treatment measure. Animal insurance pays for the most important costs and, depending on the provider, also pays for alternative treatment methods and for the physiotherapy of the animal. The four-legged family members are thus treated on an equal footing with the other members of the family and do not have to forego important treatment for financial reasons.

Conclusion on animal insurance

Given the importance that many dogs and cats have for their owners, it is good to know that thanks to comprehensive animal insurance, important treatment measures can be carried out and do not become a financial burden. For comparatively low premiums of less than CHF 10 per month, the costs of treatment after accidents, injuries and illness are covered.

It is important, however, that you take the offers for one Compare pet insurance! Premiums and benefits are very different and thanks to the insurance comparison, you separate the overpriced providers from the really good offers.

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10 tips for the best household and personal liability insurance

10 tips household and personal liability insurance

10 tips for the best household and personal liability insurance

The following tips will help you find the best household and personal liability insurance for you!

10 tips household and personal liability insurance

1. Define insurance requirements

If you do not live in one of the cantons of Jura, Nidwalden, Vaud or Freiburg, you do not have to take out household contents and personal liability insurance. However, it is recommended if you own high-quality furniture or cannot or cannot afford to pay the damage yourself if the glass breaks or is stolen. It is always advisable to take out private liability insurance anyway, because this insurance protects against high financial burdens due to damage that you have inflicted on third parties.

2. Optimize premiums

Adjust the possible additions to your insurance needs. Do not insure anything that you definitely do not need and save premiums. By agreeing a higher deductible in the event of damage, you reduce the premium burden again. Do not underestimate the guaranteed amounts in the event of a claim, because if you are underinsured, you will have to bear the remaining damage yourself. You can also optimize the premiums by paying annually and by combining household and liability insurance in one product.

3. Do not select any unnecessary blocks

Don't pay for anything you don't need! Add-ons such as simple theft abroad or elementary insurance are important. If you live in a rented apartment on the upper floor, have no children and no furniture with glazing, it is not worth taking out glass breakage insurance. This will save you premiums if you adjust the insurance exactly to your needs and check this adjustment regularly.

4. Change insurance

Check your insurance coverage regularly. You should also check out the deals with the help of a Home contents and liability insurance comparison filter out so that you always find the cheapest provider. When choosing a new insurer, be sure to pay attention to its benefits, which have to match your claims, and observe the notice periods. But be careful: Those who change too often are often viewed with skepticism by the insurers and are not always accepted.

5. Use discounts

Many insurers offer discounts to their customers. For example, the annual payment method, which comes with a few percent less premium, is possible. A monthly payment method is up to five percent more expensive on average. Multi-year contracts can also be worthwhile, because discounts are also granted here. However, it is disadvantageous that the termination is only possible after the long contractual relationship has expired.

6. Observe notice periods

Many insurers offer their customers notice periods of up to three months at the end of the insurance year. This time is quickly missed! Therefore, if you want to switch, be sure to send the cancellation in good time. However, in the short term you can terminate a claim after it has been paid (or not paid) and after an increase in the premiums.

7. Make short-term contracts

Don't tie yourself to an insurer just because of the lower premiums. With a contract of three or even five years, there is a chance that significantly better offers will open up in the meantime. You should therefore only conclude contracts for one year in order to remain flexible. Alternatively, you can negotiate an annual right of termination.

8. Avoid underinsurance

With underinsurance, you benefit from lower premiums. However, in the event of damage, you will not be granted adequate coverage by the household insurance! Your damage will then be greater than the sum insured that will be paid out to you, and the difference is usually significantly more than the previous savings from lower premiums. Overinsurance is also not sensible, because you pay unnecessarily high premiums. In the event of damage, you will only get the replacement value of your household items and no more.

9. Report damage directly

Insurers generally set certain deadlines within which damage must be reported. Anyone who gives notice later can expect to see reductions in benefits, even if these cannot be fully withheld. Especially if you have already had the damage repaired by the insurance company before it can be assessed, there may be problems in settling the damage. In general, insurance companies decide how to proceed in the event of a claim.

10. Pay premiums on time

If premiums are not paid on time, many insurers respond quickly with reminders or even exclude the insured. In this case, it can be difficult to find new insurance, because other insurance companies do not like the termination of an insurance policy. To avoid penalties and annoyance, it is therefore advisable to always pay the premiums on time.

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Without home insurance, it can be very expensive

Without home insurance, it can be very expensive

Without home insurance, it can be very expensive!

The Household insurance is in Switzerland not mandatory to complete. This means that it is theoretically possible to get by without this insurance, unless you live in a canton that at least requires fire damage insurance. Landlords can also ask for household insurance or proof of the existence of such insurance in order to be protected against damage typical of tenants. Just think of the overflowing bathtub with the damage it caused!

Without home insurance, it can be very expensive

If household insurance does not exist, it can be very expensive.

If, for example, the entire furniture is destroyed in a fire and the fire does not stop at assets and electrical appliances, all of these must be replaced. The costs for this are usually in the five-digit range. Household insurance has the advantage that it insures at replacement value. This means that you can expect to get equivalent devices or their value replaced. 

The insurance covers damage caused by fire and water, theft and elementary influences. Burglary damage is also insured.

Protection outside the home

Insurance companies are all too often concerned with replacing the value of stolen bicycles. Anyone who travels by bike more often and also connects it to a public place would do well to use the building block - simple theft abroad? to be included in the insurance. Because: With this it is possible that the carefully connected but stolen bike is replaced in terms of value. 

Many bike owners have bought a new bike after theft, which was immediately stolen from them. This could get expensive!
Protection outside the home also applies to handbags and notebooks or other devices and valuables.

Burglaries are increasing

Police and insurance companies complain equally that the damage caused by break-ins continues to increase. Such cases occur again and again in places or areas that were previously considered to be very safe. Nobody is really protected against burglary! In the event of a break-in, there is often great damage. The perpetrators have no regard for the furniture and are often extremely ruthless when looking for valuables. They willfully destroy everything that gets in their way. 

The financial and personal damage is thus much higher and cannot be quantified by the amount of the goods actually stolen.
In view of the fact that such crimes are on the rise, household insurance is almost mandatory. In the event of an emergency, it protects against the costs of burglary and partial vandalism and at least offsets the financial loss.

Conclusion: It is better not to do without household insurance!

Understandable if someone wants to save on insurance costs. However, it is completely incomprehensible when it comes to household insurance! Anyone who has ever experienced such a damage event and was not insured will agree to it. After all, household insurance also protects against lightning and the risk of damage due to a lightning strike grows in view of the constantly increasing weather phenomena. 

However, you should first look at the offers for household and personal liability insurance in the Compare household and liability insurance comparisonbefore you contact an insurer and are asked to sign the contract.

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Without personal liability insurance, it can be very expensive!

Without private liability, it can be expensive

Without personal liability insurance, it can be very expensive!

Anyone who thinks that private liability insurance is completely unnecessary is making a huge mistake and hopefully will never be able to pay for damage caused to a third party. It can be quick: in winter, the sidewalk is smooth and a passerby falls as he passes. He breaks his leg and has to be treated for a long time or a lengthy rehabilitation follows the treatment. During this time, the person concerned cannot work and has to accept a high level of financial loss. A case for personal liability insurance, if there is one!

Without private liability, it can be expensive

Bankruptcy without personal liability insurance?

Many underestimate the danger that non-existent personal liability insurance poses. Because: Personal injury and financial loss can cost many thousands of francs, whereby five to six-digit amounts have to be assumed. However, anyone who is liable must pay for all of their current and future assets. It can actually be threatened by personal bankruptcy, even if this may sound strange at first. The person causing the damage is liable with all his belongings and, if necessary, is even forced to sell valuables and pledge his salary. With a private liability insurance, such considerations are superfluous, because it protects against such claims.

Adequate coverage is important

It is important that the amount of cover is calculated accordingly. At least five million francs should be agreed for personal injury and financial loss, and in some cases the insurers even recommend increasing it to ten million. It is always the insurance sums that are paid for each claim. Other amounts are assumed for individual liability cases. Damage to a rented vehicle is only covered with CHF 100,000, and a loaned and used horse is covered by some insurers with CHF 10,000. It is advisable to check the coverage levels from time to time and to determine them according to the current recommendations.

Reasons for personal liability insurance

The following reasons speak in favor of taking out private liability insurance:

    • Protection against claims of injured parties
    • Assumption of property damage, personal injury and financial loss
    • Defense against unjustified claims
    • worldwide protection

Experts say that personal liability insurance is absolutely necessary, especially for pedestrians and cyclists. A little carelessness often causes an accident for which they are liable. Such damage can be expensive without appropriate insurance! Therefore always one Carry out liability insurance comparison.

Conclusion: Better not to do without private liability insurance!

Anyone who does not literally swim in the money should take out private liability insurance. The reason is that a damage event that may involve personal injury or financial loss can be very expensive. This can go so far that the entire existence is threatened because the person causing the damage is liable with his entire assets. The injured party is entitled to the settlement of his claims, therefore the future income must be used to settle the debt. If you want to avoid this, you should definitely take out private liability insurance!

Here you can see the offers in household items and Assess liability insurance comparison. Find out more, because the individual providers differ greatly in terms of services and the amount of premiums.

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10 good reasons why you should take out household contents and personal liability insurance

Reasons for home insurance

10 good reasons why you should take out household and personal liability insurance!

The recommendation is clear: take out household contents and personal liability insurance and you are protected against numerous claims and high costs.

Reasons for home insurance

These reasons speak for taking out household contents and liability insurance:

1. Financial protection

Claims for damages, appraisal costs, compensation for loss of assets and many other costs can come to you if you do not have personal liability insurance. The insurance, however, offers protection against third party liability claims.

2. New purchases possible

Imagine your house or apartment is on fire or there is tap water damage. All the furniture has been destroyed! There are high costs here, because a complete basic installation of a medium-sized apartment can amount to tens of thousands of francs. If there are personal valuables in the apartment that significantly increase the asset, the damage is even greater. Home contents insurance replaces damage caused by fire, robbery, theft, water or elementary influences.

3. Protection against additional costs

Home insurance also covers the costs that arise as a result of an insured event. If locks have to be exchanged because a thief destroyed them when attempting to break in, or if damage prevention measures are used (extinguishing with powder instead of water), this entails costs. The insurance takes over this as well as the replacement of the destroyed belongings.

4. Special aspects of life can be insured

Protect yourself by taking out household contents and personal liability insurance even in special cases. Do you borrow other horses to use them? Do you borrow? albeit rarely? a foreign vehicle to get from A to B? In these and other cases, household and liability insurance applies, which can also be taken out as a combination product and thus offers very good all-round protection.

5. Protection against lightning strikes

The annual freak weather is getting stronger and more difficult to predict. With home contents insurance, you protect yourself from high costs that can come to you due to a lightning strike. A single flash is enough to destroy all electrical devices in the house. Thanks to the household contents insurance, these are replaced at their new value, so that you can purchase equivalent devices.

6. Be secured on the way

The normal household contents insurance only protects the household contents that are in the household or that are temporarily out of the house (for example when moving house). With the addition of simple theft (abroad), bicycles, handbags and notebooks as well as other objects are protected. In the event of damage, these will also be replaced at their replacement value.

7. Unjustified claims are blocked

Anyone who has ever received a letter asking for costs from an allegedly injured party and who had no insurance could only prevent worse from going to the lawyer. On the other hand, if you have private liability insurance, you hand over the case. It checks existing liability claims and fends them off if they are not justified. Legal protection insurance would not even take on this task!

8. Protected worldwide

Protection from private liability insurance exists worldwide. This means that you are protected against third-party claims even when traveling. If you accidentally cause damage to another person on vacation, private liability insurance will step in and ensure that the claims are met. You are protected from the financial consequences.

9. Protection of the whole family

The household contents insurance relates to the specified household and the people registered in it. Private liability insurance can also protect several people if it is taken out as family insurance. Claims against co-insured persons cannot be made.

10. Protection possible with a low deductible

Most insurers require a deductible for each insured event from the insured. It is enough to agree on the lowest possible deductible. Depending on the provider, it is also possible to completely waive the deductible. But the premiums will be higher.

Would you like to check the relevant household and personal liability insurance? With the household items and Liability insurance comparison Is that possible! Here you have the chance and receive comprehensive information on the subject.

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What does private liability insurance cover?

What does private liability insurance cover?

What does private liability insurance cover?

Private liability insurance protects you and all persons included in the contract against third party liability claims. This means that if you cause damage to a person or an object, you are liable for it and have to pay for the damage. If necessary, your income will even be seized for this, since you are liable for such damage with all current and future income.

What does private liability insurance cover?

Personal liability insurance is not compulsory, but everyone should be protected by this insurance.

Both individuals and families can take out insurance; children are covered differently depending on the insurance provider. In addition, concubinates are covered differently in the individual insurance companies.

Private liability insurance covers things at their current value, which means that the items that are to be replaced are valued at the current value at the time of the damage. Incidentally, this also applies to personal injury: A person's lost income can be claimed if he or she is unable to work or even incapacitated due to the damage suffered. The following are therefore insured:

    • Damage to people and things
    • Costs related to loss prevention
    • financial losses

Various costs are included in the insurance. For example, the costs for a lawyer and for the appraiser are covered, court costs are paid and compensation payments are made.

Important: Regular driving of third-party vehicles is not insured. Anyone who borrows a vehicle and uses it only once can rely on private liability insurance, because this point is insured. The issue here is simply the regular loan of vehicles that cannot be secured. To do this, the additional component of third-party driver insurance must be included in the private liability insurance.

Another important point concerns real estate.

In general, the damage that is asserted against you as the owner of a building you live in is covered by private liability insurance. Nevertheless, insurers differ on this point and also partially exclude related services.

Damage suffered by a person living in the same household as the policyholder is also not insured. Damage due to wear and tear, contractual liability and deliberate crimes cannot be covered by private liability insurance, in addition to some other exclusions.

In order to achieve comprehensive protection through private liability insurance, various points can be included. The gross negligence is one of these points, furthermore the use of foreign horses, the activity as a teacher or the participation in hunting sport events can be insured.

Conclusion: This is how you are insured through private liability insurance

Personal liability insurance is not mandatory, but should be taken out by everyone. It protects against high claims on the part of injured third parties, because the party causing the liability must be liable for all of its assets.

Important point: Private liability insurance includes passive legal protection. This means that unjustified claims are warded off, which would otherwise have to be done by a lawyer in many cases and would therefore be expensive. It's still worth it Liability insurance comparison-Switzerland perform. The private liability insurance includes damage to property, people and financial loss and can be combined with the household insurance to a low-priced combined product.

If you want to find out more about personal liability insurance, we recommend that you take out household contents and Liability insurance comparison or to make such a comparison yourself. You protect yourself from unpleasant (because expensive) surprises!

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What does household insurance cover?

What does household insurance cover?

What does household insurance cover?

Household insurance covers the damage caused by various damage events to personal things and objects, which in turn are in the self-inhabited household.

What does household insurance cover?

Basic insurance, which covers the following damage, can be seen as fundamental:

Damage from fire

Not only pure fire damage is insured here, but also damage caused by fire and smoke or by implosion and explosion. This point also includes damage caused by lightning or meteorites, as well as falling aircraft and spacecraft, as well as parts of these vehicles.

natural hazards

Damage caused by flooding or flooding is also covered by the household contents insurance, as are storm, hail and avalanche damage. There is also damage from landslides, rockfalls, snow pressure and rockfalls. The deductible is usually higher for this damage and is set at at least 500 Swiss francs per claim.

Water damage

Various water damage fall under this point: melt and groundwater damage, damage from snow, rainwater and similar liquids are covered here. The damage can be caused, for example, by a backwater, it can also occur due to leaking aquariums and water beds or due to a line break and is insured accordingly. However, if water enters the house through the windows or through open skylights and causes damage there, this is not insured.

Theft in the house

This item includes damage caused by burglary and robbery or simple theft at home. The theft abroad can be included in the home contents insurance with an additional product.

glass breakage

Insurance against broken glass is only possible in addition and is therefore not automatically included in the household contents insurance. Damage to broken glass on the furniture as well as on the windows or doors of the building is insured. However, screens of electrical devices, lighting fixtures, fluorescent tubes and light bulbs are not insurable.

The household insurance is calculated according to the values of the household and can therefore vary depending on the equipment of the apartment. The insurer will use a general calculation to calculate the sum insured, taking into account, for example, the number of square meters of the apartment and the number of people living in it. In addition, the values are determined which influence the amount of the insurance sum through special assets, jewelry and other things.

Conclusion: This covers household insurance

The general insurance conditions define the scope of household insurance for individual providers. In general, damage from fire, water and theft as well as natural hazards are included in the insurance. This damage can be supplemented by various additional options so that, for example, broken glass must also be insured. However, every household insurance has its limits and so the services of the insurance providers vary in scope. In principle, the entire contents of the home are insured, which also includes clothing and shoes as well as food. Particularly high-quality items should be reported separately to the insurance company so that there is sufficient insurance protection.

Here you can find the offers for household and personal liability insurance in household and Check liability insurance comparisonbefore you decide on a provider. Please check the services as well as any performance restrictions!

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Household and personal liability insurance: Swiss providers in comparison

Household and personal liability insurance compared to Swiss providers

Household and personal liability insurance: Swiss providers in comparison

The following table shows some of the best-known Swiss providers of household and liability insurance. Important: We recommend that you take out the offers for the insurance company before concluding an insurance policy Compare household and personal liability insurance and especially pay attention to the differences between the individual products or product combinations.

Household and personal liability insurance compared to Swiss providers

All Swiss providers at a glance:

insurance
Products
headquarters
insurance carrier
Grade after customer surveys
Allianz Suisse
Allianz (household contents insurance) Allianz (private liability)
Zurich
Allianz Suisse Insurance Company Ltd
5.3
AXA
SMALL (household insurance) SMALL Plus (household insurance) SMALL (private liability) SMALL Plus (private liability)
Winterthur
AXA Insurance Ltd
5.3
Basler insurance
younGo M (household insurance) younGo L (household insurance) Small (household insurance) Medium (household insurance) Large (household insurance) younGo M (personal liability) younGo L (private liability) Small (private liability) Medium (private liability) Large (private liability)
Basel
Basler Versicherung AG
5.2
CSS insurance
Private customer insurance (household insurance) Private customer insurance (private liability)
Lucerne
CSS Versicherung AG
5.1
ELVIA
standard (household insurance) small (household insurance) standard (private liability) small (private liability)
Zurich
Allianz Suisse Insurance Company Ltd
nn
Generali
Minima (household insurance) Optima (household insurance) Minima (private liability) Optima (private liability)
Nyon
Generali Allgemeine Versicherungen AG
5.2
Helvetia
Youth insurance (household insurance) Private customer insurance (household insurance) Youth insurance (private liability) Private customer insurance (private liability)
Basel
Helvetia Swiss Insurance Company Ltd
5.3
The furniture
Minima (household insurance) Classic (household insurance) Minima (private liability) Classic (private liability)
Bern
Swiss Mobiliar Insurance Company AG
5.4
smile direct
smile.home (household insurance) smile.home (private liability)
Dübendorf
direct insurance; Branch office of Helvetia Schweizerische Versicherungsgesellschaft AG
5.4
Vaudoise
Household and personal liability insurance
Lausanne
Vaudoise Allgemeine Versicherungs-Gesellschaft AG
5.2
Visana
Directa (household contents insurance) Directa (private liability)
Bern
Visana Insurance Ltd.
nn
Zurich
Basic (household insurance) Optimum (household insurance) Premium (household insurance) Basic (private liability) Optimum (private liability) Premium (private liability)
Zurich
Zurich Insurance Company Ltd
5.2

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Household goods: How do I calculate the correct sum insured?

Dissolve or pay out life insurance

Household items: How do I calculate the correct sum insured?

The sum insured is the sum that is paid out in the event of a claim. It is due when the insured event occurs and is freely agreed by the insurer and policyholder. In the case of household contents insurance, the replacement value of the objects to be insured serves as the basis for the sum insured.

Dissolve or pay out life insurance

The basic household council is usually secured with the sum insured. These include the usual furnishings, whereby not only furniture should be taken into account, but also curtains, curtains and carpets. There are also household machines and electronic devices, dishes, clothing and shoes, food and personal items. If there are more guests in the house, their items should also be insured in terms of value.

This is how the sum insured is made up

In order to determine the correct sum insured for the basic house council, the number of rooms is assumed. Together with the standard of the institution (simple, average or sophisticated) and the total number of household members, these result in a certain value. If the furnishings are of particularly high quality, the sum insured should be adjusted accordingly. As a rule, however, it will be the case that the insurer would like to have proof of particularly high-quality furnishings. This evidence can be provided in the form of a sales contract or through photos and appraisals. The reason for this is that the policyholder cannot later make excessive claims if, for example, a fire has completely destroyed the facility.

Pay attention to over and under insurance

It is always important to correctly determine the sum insured. Since the new value of each item is assumed, the purchase contracts and invoices can be used as a help. A flat-rate calculation based on the square meters of the apartment is usually not precise enough and does not take into account individual valuables that would have to significantly increase the sum insured.
In the case of underinsurance, it may be that only a small amount is replaced in the event of damage, which does not reflect the actual value of the destroyed objects. For you as the policyholder, this would mean that you would have to pay the remaining damage out of your own pocket. With overinsurance, on the other hand, you pay high premiums and ultimately only get the actual value of the items replaced.

Conclusion on the sum insured with household insurance

Insurers need precise information in order to correctly calculate the sum insured for taking out household insurance. You need the number of square meters of the apartment or house and the number of people who live in it. Based on this data, a generally valid statement about the basic value of the equipment can be made. Items that increase the sum insured must be listed separately or the insurer would like to see appropriate evidence of this. Over or under insurance should be avoided in any case. In the case of very high-quality equipment in particular, a higher deductible can make sense because it can reduce premiums.

We recommend the offers in a household and Liability insurance comparison and only then decide on a provider. The differences between the providers are sometimes very large, so that the premiums differ greatly.

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