Household insurance
It insures your belongings, not your home. And its trap is not the price: it is the sum insured, almost always set too low.
What are your belongings really worth?
Item by item, what replacing them as new would cost. Nothing is pre-filled: these are your things, not an average.
What it covers
- Fire, smoke, lightning and explosions.
- Water damage from pipes, including at the neighbour’s.
- Theft by break-in, and simple theft away from home if extended.
- Natural forces: hail, storm, flood, avalanche.
- Glass breakage of furniture, as an option.
Under-insurance, the real risk
The sum insured must match what it would cost to replace all your furniture as new. If it is too low, the insurer does not merely cap the payout: it applies the proportional rule and cuts every claim in the same proportion, even a small one.
Concretely: insured for CHF 60,000 when your belongings are worth 100,000, a CHF 5,000 loss is reimbursed at CHF 3,000. Redoing the inventory every few years costs an evening and avoids that discovery at the worst moment.
What it does not cover
The building itself falls under buildings insurance, compulsory in most cantons and often run by a cantonal institution. As a tenant it is not your concern; as an owner it is a separate contract.
What drives the price
- The sum insured — the replacement-as-new value of everything you own.
- The type and size of your home.
- Canton and municipality.
- The deductible you choose.
- Extensions: theft away from home, valuables, bicycles.
We show no tariffs on this page. Unlike LAMal premiums, no public register publishes prices for this branch: they depend on your profile and are calculated case by case. Quoting a figure here would be an invention.