Get helpful tips about Swiss household insurance here.
Household insurance protects you from financial losses caused by the destruction or loss of your property due to theft and fire or water damage. As a renter the premiums you pay for this insurance coverage can offer relatively good value.
A household insurance policy is almost certainly worth getting if you own more than a table, chairs and bed, figuratively speaking.
Household insurance policies are a form of casualty insurance. After a covered incident, the insurance company analyses damages and, in the best case, reimburses you for your loss up to the insured value of damaged or stolen items.
Typically, the insurance company estimates the cost of damages based on the replacement cost of damaged property. Example: If your 10-year-old bed is destroyed in a fire, the insurance company will pay out a benefit equal to the cost of purchasing a new bed of similar value.
Depending on your policy, specific property such as bicycles or skis may only be covered up to their actual cash value. In this case, the benefit paid out will be based on the going price for similar items of a similar age and with the same amount of wear, rather than the actual price you paid when you bought those items new.
Pointers for choosing the right household insurance:
The moneyland.ch team
More on this topic:
Hazards covered by Swiss household insurance
Simple theft away from home
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