Insure my home and my goods
While it is optional, household insurance is recommended in order to avoid considerable financial repercussions in case of fire, water damage or theft. Vaud, Friburg, Jura, Glaris and Nidwald are the only cantons that have mandatory insurance against fire and natural damages.
Household insurance covers damages caused to the inventory. This includes the furniture, electronic domestic appliances (television, computer, etc.) clothing, jewellery and other personal possessions.
The inventory is usually insured at its value as new; meaning the price of a new product with the same value. Compensation extends up to the amount defined contractually with the insurer and established in function of the total approximative value of the inventory.
A franchise, often between CHF 200 and CHF 500, is at the expense of the person insured and will be deducted from the total amount of damages.
At every household move, it is important to adapt the amount of the insurance to avoid being under insured or over insured. Our experts are at your disposal to estimate the value of your goods and to help you find the least expensive household insurance.