Liability and Household Insurance: What Cover Makes Sense
What the two policies protect, how to choose sums insured and common exclusions.
4 min read · Insurance & Health
Private liability and household contents insurance are the two policies most households should have.
Private liability
It pays if you cause damage to others. A coverage of CHF 5–10 million is common. Rented flats may need a separate extension for damage to the rented premises.
Example with default values. Open the calculator →
Household contents
- Fire, water, theft and glass damage.
- Sum insured should match the replacement value of your belongings.
- Check bicycle theft and valuables limits.
Check regularly
Review sums when you buy expensive items and compare prices every few years. See your total insurance costs in the recurring costs calculator.