Does my Swiss liability insurance cover guests?

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  • BenutzernameMoneyland User Questions
  • Status Member
  • Registriert seit1/27/17
  • Beiträge2142

We love to entertain and always have guests over for dinner parties. We also have different friends visiting from home almost all the time. What happens when one of our guests damages our apartment or some other property during their stay? Are they covered by our insurance?

 
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  • BenutzernameMoneyguru von moneyland.ch
  • OrtSchweiz
  • Status Expert
  • Registriert seit8/4/15
  • Beiträge4079

Hi there,

Liability for damages to third-party property falls on the person who inflicted the damage. Your personal liability insurance only covers your family (spouse, partner, children) and not your guests.

Swiss household insurance, on the other hand, covers the personal property of guests while it is in your home. You can read more about this here.

Best regards from Moneyguru

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Cheap bank accounts with card

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  • Online private account with debit card

Swiss digital bank

Radicant

  • High interest on your everyday account

  • Best exchange rates

  • Up to 1% of card spending as saveback in the investment portfolio

Swiss Bank

Bank WIR Bankpaket Top

  • Free account & card

  • No exchange fees for foreign payments (interbank exchange rates)

  • 24 ATM withdrawals worldwide per year free of charge

Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

Free bank account

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  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

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