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Household insurance

Protect your household belongings with the right insurance

What does household insurance include?

Household insurance covers damages that your household belongings may suffer as a result of fire, water or theft. Household belongings include all furniture and moveable objects in your home. In Switzerland, household contents insurance is voluntary in most cantons, although insurance protection is advisable.

Example: A break-in occurs every 14 minutes in Switzerland. In 2019 more than 36,400 break-ins were registered. This shows that break-ins are no longer a seldom occurrence. Household insurance will indemnify your financial losses if you become the victim of a break-in.

The best offers

Zurich

From CHF

206.10

/ year*
Basic

* A deductible of CHF 400 applies in the event of a claim. The insured sum has been set at CHF 93,000. This roughly corresponds to the furnishing standard of a 4.5-room apartment for 2 persons.

Your household contents are insured against:

  • Fire damage
  • Natural hazards
  • Water damage
  • Theft

Optional:

The following optional additional coverages are available:

  • Theft away from home
  • Glass breakage
  • Bicycle or e-bike
  • Cyber protection
  • Home assistance
  • Rental deposit guarantee
  • Household casco (electronic and sports equipment)
  • Garden casco (for garden installations, e.g. in case of storms)
Request a quote

Zurich

From CHF

419.30

/ year*
Optimum

* A deductible of CHF 200 applies in the event of a claim. The insured sum has been set at CHF 93,000. This roughly corresponds to the furnishing standard of a 4.5-room apartment for 2 persons.

Your household contents are insured against:

  • Fire damage
  • Natural hazards
  • Water damage
  • Theft
  • Theft away from home up to CHF 2,000
  • Jewellery (20% of insured sum, up to CHF 30,000)
  • Cash and cash equivalents CHF 5,000
  • Casco insurance for electronic devices up to CHF 2,000
  • Glass breakage: furniture glass up to CHF 1,000 (no deductible)

Optional:

The following optional additional coverages are available:

  • Bicycle or e-bike
  • Cyber protection
  • Home assistance
  • Rental deposit guarantee
  • Garden casco (for garden installations, e.g. in case of storms)
Request a quote

Household insurance costs

The household insurance without private liability can be purchased for less than CHF 100 / year. The premium depends on the insurance coverage. The more valuable your household goods are, the higher the insurance premium. If additional benefits such as theft outside the home or key service are required, then the premium can rise to several hundred francs per year. Optional coverages should therefore be well considered.

Separation of household and liability insurance

Companies usually offer household insurance in combination with personal liability insurance. However, a comparison shows that despite the combination discount that is granted, it’s better to take out household insurance and personal liability insurance separately in terms of premiums. The added administrative effort and the separate management are however a counter-argument for many consumers.

Good to know

  • Household insurance insures your belongings against theft, damage, water and fire.
  • The household belongings are insured at replacement cost.
  • Various types of supplementary cover (cash, valuables and glass breakage) can also be included in the insurance.
  • Premiums vary significantly: A comparison is worthwhile!

Basic protection

Basic protection in a household insurance product covers damages to moveable objects in a house or flat as a result of fire or mains water. The insurance protection also extends to theft as a result of break-in. The insurance covers the replacement cost of damaged or stolen objects up to the maximum sum insured.

Additional insurance options

Where desired, moveable objects, such as electronics (mobile phones, tablets) and valuables (wrist watches, necklaces), can be additionally insured against risks like theft and/or loss away from home. The supplementary benefits are unnecessary for the average citizen and hardly pay off in the long term.

Comprehensive household insurance

Comprehensive household insurance is supplementary cover as an addition to existing basic household contents insurance. Comprehensive household insurance covers damage to moveable objects caused by policyholder personally. In addition, it is not necessary to mention each object individually in the insurance policy. It is advisable to compare the premiums of the various providers.

Comparison of household insurance

As with other types of insurance, there is a great deal of competition for household insurance on the Swiss market. The differences between premiums and benefits are relatively significant. It is definitely worthwhile to compare products. Since home contents insurance is needed for life, the right choice is all the more important. Even small premium differences add up over an insurance duration of 20 or 30 years.

FAQ

All moveable items that are located in your home and that you can take with you if you move. These also include leased and/or rented objects.

If the sum insured is lower than the insured value of the household belongings in the event of a claim. Cover should be reviewed from time to time and adjusted if necessary.

Insurance covering damage from fire and natural elements is mandatory in the cantons of Freiburg, Jura, Nidwalden and Waadt. In the remaining cantons, taking out household contents insurance is voluntary.

Before you can cancel your home contents insurance, you should check the contractual minimum term. After the minimum term expires, the notice period is usually three months. In the event of a claim, 14 days after payment, and in the event of an increase in premium, 30 days after receipt of the premium increase notice.

And in the event of a move, you cannot simply terminate the household insurance policy, but must stick to the ordinary notice period.