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Does your home insurance really protect you?

Theft, water damage, personal liability: too many policyholders discover the gaps in their policy at the wrong moment. We analyse yours before that happens.

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⭐ 4.9/5 · Over 1'250 clients assisted in Switzerland

Home insurance: the pitfalls of a poorly adapted policy

  • Insured values are often underestimated, leading to insufficient compensation in the event of a claim
  • Exclusions in the small print leave many claims without coverage
  • Private liability is often confused with professional liability – a costly mix-up
  • Many policyholders have overlapping cover between their home insurance and other policies
  • Premiums vary enormously between insurers for identical coverage

This service is right for you if…

You rent a flat and want to protect your personal belongings
You are an owner and need appropriate coverage
You haven't reviewed your home policy in several years
You had a claim and the compensation seemed insufficient
You want solid private liability cover for yourself and your family
You want to reduce your premiums without diminishing your protection

A complete review of your home and liability coverage

  • → We go through your current policy and identify gaps and overlaps
  • → We calculate the replacement value of your belongings to avoid under-insurance
  • → We compare offers from all major Swiss insurers (AXA, Zurich, Allianz, Mobiliar, Baloise, etc.)
  • → We optimise the home + liability combination for the best value for money
  • → We handle the cancellation and new subscription on your behalf
Start my free analysis →

What we optimise for you

New-for-old guarantee

In the event of a total loss, you need to be able to replace everything. We calculate the exact value of your belongings.

Optimised premium

Home + liability premiums vary by up to 60% between insurers. We find the best ratio.

Full private liability

Damage to third parties, bodily injury, damage to animals: solid liability cover covers everything.

Water damage & fire

These claims are frequent and costly. We verify that your coverage is adequate and free of surprise exclusions.

Family coverage

Family liability also covers children and partners. We ensure all household members are included.

Theft & cybercrime

Home theft, burglary and increasingly: online fraud and digital identity theft.

Common mistakes to avoid

  • ✗ Not updating the insured value after major purchases (appliances, furniture, electronics)
  • ✗ Confusing private liability and professional liability – two separate and necessary covers
  • ✗ Not reporting a minor claim for fear of a premium increase, when the impact is often zero
  • ✗ Forgetting to update your address when moving – risk of the policy being voided
  • ✗ Accepting the letting agency's proposal without comparing with the independent market
  • ✗ Not reading the exclusions: some policies exclude damage caused by gross negligence

Our step-by-step process

01

Send your current policy

5 min

You send us your current policy. If you don't have one, we start from your needs.

02

Analysis and comparison

48h

We analyse your coverage, calculate the optimal insured value and compare the market.

03

Presenting options

20 min

We present you with 2–3 best offers with an explanation of the differences and possible savings.

04

Setting up the policy

1 week

On your agreement, we manage the cancellation of the old policy and the subscription of the new one.

What our clients say

"My home insurance dated from 2015 and I had clearly under-insured my belongings. EVO updated the coverage and found a rate 23% cheaper for far better protection."

Marc L.

Geneva

−CHF 280/year

"I didn't know my liability didn't cover my partner. We took out a family liability policy for less than I was paying before for individual cover."

Céline D.

Lausanne

−CHF 190/year

"Thanks to the policy recommended by EVO, my burglary was compensated 100% at replacement value. The old policy would have paid market value – an enormous difference."

Pierre M.

Bern

Claim fully paid

Ready to optimise your home & liability insurance?

Free analysis · No commitment · Reply within 24–48h

Book an appointment → +41 76 779 0449

Frequently asked questions

No, it is not legally required. However, some landlords may require it in the rental agreement. Private liability insurance is also not compulsory, but it is strongly recommended as a claim can make you liable for very large amounts.

Replacement value allows a belonging to be replaced with an equivalent new item. Market value takes depreciation into account – your 5-year-old television will be compensated at its current value, not its purchase price. The best policies compensate at replacement value.

Generally yes, if you have taken out family liability. But children in foster care, adult children who no longer live at home or partners may require a specific mention. We check this point systematically.

Bicycle theft is often covered as an additional option (rarely included by default). E-bikes may be excluded or require a specific endorsement. We look at this point as a priority for owners of valuable bicycles.

You must inform your insurer of your change of address. The premium may change depending on the canton (different claims rate). A move is also the ideal opportunity for a complete review and market comparison.

Marc-Antoine Segui

+41 76 779 0449
Free appointment →