These risks are insured
The following risks can be insured in household insurance:
- Water damage (including damage caused by aquariums or water beds)
- Fire, blaze and smoke
- Burglary and robbery
- Lightning strike, scorch damage, explosion and implosion
- natural hazards
Important: Household insurance is not a compulsory insurance in Switzerland! However, there are individual cantons in which the conclusion of fire and natural damage coverage is mandatory. Specifically, these are the cantons of Jura, Vaud, Freiburg and Nidwalden. Cantonal fire insurance is mandatory for the cantons of Vaud and Nidwalden; in the other cantons, coverage can be provided through private insurance.
The following risks are not hedged:
- Damage caused by wars and internal unrest, by riots, rebellions or riots
- Damage from earthquakes and volcanic eruptions
- Damage caused by changes in the structure of the atomic nucleus
In addition, the insurers can individually provide further exclusions.
Scope and insured group of people
Household insurance can be taken out as individual or family insurance. In the latter variant, several people are covered in one household. It is also possible to add another person to individual insurance if, for example, a couple moves in together. The household goods that are in your own four walls are protected, and separate rooms, which also belong to your place of residence, are also insured. This can be cellars or craft rooms, for example. In addition, the external insurance covers the part of the household items that is not currently in the household. This is relevant if a move is carried out and some of the household items have already been moved out of the apartment.
In addition to the usual cover from fire, water or burglary damage, additional cover can be agreed. These then relate, for example, to glass on the building or to furniture, to simple theft when you are away and a household insurance can be taken out.
Household insurance provides these benefits
The household contents insurance insures your household goods at new value and thus enables the repair or replacement of damaged objects. In addition, various follow-up costs are also insured, whereby maximum amounts are set for this. Such follow-up costs include:
- Clearance and disposal costs
- Cost of living
- Cost of a lock change
- Mitigation and rescue costs
- Replacement cost
- Costs for emergency measures and emergency glazing
Conclusion on household insurance in Switzerland
Home insurance may not be compulsory, but it is an excellent addition to insurance coverage. It covers damage caused to personal belongings. Common risks include fire, water, theft and natural hazards, theft outside the home and broken glass can also be insured. Because the apartment is rarely devastated by a flood when you are not living in a risk area, protection against theft and burglary is most important.
You can now take advantage of the offers for combined household contents and personal liability insurance in Use a home contents and liability insurance comparison or find out about individual products. Worth it!
