Household Insurance in Switzerland
Protect your belongings with comprehensive household insurance. Understand your coverage options and get the right protection for your home.
What's Covered?
Basic Coverage
Protection for your household contents
- Furniture and furnishings
- Electronics and appliances
- Clothing and personal items
- Sports equipment
- Books and media
Natural Hazards
Protection against natural events
- Storm damage
- Flooding
- Hail damage
- Avalanches
- Landslides
Theft Coverage
Protection against theft and burglary
- Break-in theft
- Robbery
- Vandalism during theft
- Simple theft at home
- Lock replacement
Additional Coverage Options
Simple Theft Away
Coverage for theft outside your home
Coverage: 2,000-5,000 CHF
Examples:
- Laptop stolen at café
- Bike theft
- Phone theft
Glass Breakage
Protection for glass items
Coverage: Included
Examples:
- Windows
- Glass furniture
- Mirrors
Water Damage
Protection against water-related incidents
Coverage: Included
Examples:
- Pipe bursts
- Aquarium leaks
- Washing machine overflow
Valuables Coverage
Extra protection for valuable items
Coverage: As declared
Examples:
- Jewelry
- Art
- Collectibles
Frequently Asked Questions
- Is household insurance mandatory in Switzerland?
- While not legally mandatory, household insurance is strongly recommended and often required by landlords. It protects your personal belongings against damage, theft, and natural hazards.
- What does household insurance typically cover?
- Swiss household insurance typically covers furniture, electronics, clothing, valuables, and personal belongings against risks like fire, water damage, theft, and natural hazards. Many policies also include coverage for items temporarily outside your home.
- How much coverage do I need?
- Coverage should match the total value of your household contents. A general rule is 50,000-100,000 CHF for a 2-room apartment, increasing by about 25,000 CHF per additional room. Valuable items may need separate declaration.
- How much does household insurance cost?
- Annual premiums typically range from 200-500 CHF, depending on coverage amount, location, and additional options chosen. Bundling with other insurance products often leads to discounts.
- What's not covered by household insurance?
- Standard policies typically don't cover motor vehicles, structural building elements (covered by building insurance), or damage from gradual wear and tear. Some risks like simple theft away from home require additional coverage.
Ready to protect your belongings?
Get expert guidance to find the right coverage