At a friend’s place
You knock over an expensive vase.
Usually covered by personal liability. Household contents and personal liability
Your things, and the things you might break.
Household insurance covers your belongings. Personal liability covers damage you cause to others. They are often combined, and the details matter more than the price.
What would you like to insure?
My belongingsHousehold contents Damage to othersPersonal liability BothThe usual combination I’m not sure yetHelp me figure it out
- No inventory needed now
- No obligation
- A person replies, not a bot
Moving soon?Tell your insurer: premium and sum insured can change- Independent broker, several insurers compared
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- Office in Zurich, Strehlgasse 2
Household contents
The upside-down test.
A simple way to know what household insurance is about.
Turn your home upside down. Everything that falls out is household contents.
Furniture, clothes, electronics, bikes and jewellery are your contents. What stays attached, like walls, windows and the fitted kitchen, belongs to the building, which is insured separately.
What would fall out of your home? Tap all that apply.Pick the things you own. There’s no wrong answer, and nothing is saved.
Personal liability
The cover people forget, until they need it.
Personal liability pays when you damage someone else’s property or injure someone, and defends you against unjustified claims.
Water in the flat below
Your washing machine hose bursts and damages the neighbours’ ceiling.
Usually covered by personal liability.
On the road
On your bike, you scratch a parked car.
Usually covered by personal liability.
Moving out
The landlord charges for damage to the parquet, beyond normal wear.
Tenant’s damage is often included. Worth checking.Examples for illustration. Whether a case is covered depends on the policy conditions and the circumstances.
Before you sign
Three details that matter more than the price.
Underinsurance. If your sum insured is lower than the real value of your belongings, the insurer can reduce payouts, even for small claims.
Moving? Tell your insurer. The new home may change your premium and sum insured.
Fire cover for contents is compulsory in some cantons, sometimes through a cantonal insurer.
With EVO Partners
Free advice, clear next steps.
Tell us about your homeA few questions, about 2 minutes. No inventory needed.
We check sums and detailsSo you’re not underinsured, and only pay for extras you’d use.
You choose, we handle the switchTimed so you’re never without cover.
Not across Switzerland. In some cantons, fire cover for household contents is compulsory. Elsewhere it’s your choice.
No, but many landlords ask for it, and a single accident can cost far more than years of premiums.
Enough to replace everything at today’s prices. If it’s too low, the insurer can reduce payouts. We help you estimate it.
Partly. Theft away from home is usually an optional extra. Bikes and valuables may have limits.
Not automatically. In shared flats, each person often needs their own policy, or a policy that names everyone.
The comparison is free for you. We explain how we are paid before you decide anything.
Not across Switzerland. In some cantons, fire cover for household contents is compulsory. Elsewhere it’s your choice.
No, but many landlords ask for it, and a single accident can cost far more than years of premiums.
Enough to replace everything at today’s prices. If it’s too low, the insurer can reduce payouts. We help you estimate it.
Partly. Theft away from home is usually an optional extra. Bikes and valuables may have limits.
Not automatically. In shared flats, each person often needs their own policy, or a policy that names everyone.
The comparison is free for you. We explain how we are paid before you decide anything.
Not across Switzerland. In some cantons, fire cover for household contents is compulsory. Elsewhere it’s your choice.
No, but many landlords ask for it, and a single accident can cost far more than years of premiums.
Enough to replace everything at today’s prices. If it’s too low, the insurer can reduce payouts. We help you estimate it.
Partly. Theft away from home is usually an optional extra. Bikes and valuables may have limits.
Not automatically. In shared flats, each person often needs their own policy, or a policy that names everyone.
The comparison is free for you. We explain how we are paid before you decide anything.
Not across Switzerland. In some cantons, fire cover for household contents is compulsory. Elsewhere it’s your choice.
No, but many landlords ask for it, and a single accident can cost far more than years of premiums.
Enough to replace everything at today’s prices. If it’s too low, the insurer can reduce payouts. We help you estimate it.
Partly. Theft away from home is usually an optional extra. Bikes and valuables may have limits.
Not automatically. In shared flats, each person often needs their own policy, or a policy that names everyone.
The comparison is free for you. We explain how we are paid before you decide anything.
Not across Switzerland. In some cantons, fire cover for household contents is compulsory. Elsewhere it’s your choice.
No, but many landlords ask for it, and a single accident can cost far more than years of premiums.
Enough to replace everything at today’s prices. If it’s too low, the insurer can reduce payouts. We help you estimate it.
Partly. Theft away from home is usually an optional extra. Bikes and valuables may have limits.
Not automatically. In shared flats, each person often needs their own policy, or a policy that names everyone.
The comparison is free for you. We explain how we are paid before you decide anything.
Not across Switzerland. In some cantons, fire cover for household contents is compulsory. Elsewhere it’s your choice.
No, but many landlords ask for it, and a single accident can cost far more than years of premiums.
Enough to replace everything at today’s prices. If it’s too low, the insurer can reduce payouts. We help you estimate it.
Partly. Theft away from home is usually an optional extra. Bikes and valuables may have limits.
Not automatically. In shared flats, each person often needs their own policy, or a policy that names everyone.
The comparison is free for you. We explain how we are paid before you decide anything.
Not across Switzerland. In some cantons, fire cover for household contents is compulsory. Elsewhere it’s your choice.
No, but many landlords ask for it, and a single accident can cost far more than years of premiums.
Enough to replace everything at today’s prices. If it’s too low, the insurer can reduce payouts. We help you estimate it.
Partly. Theft away from home is usually an optional extra. Bikes and valuables may have limits.
Not automatically. In shared flats, each person often needs their own policy, or a policy that names everyone.
The comparison is free for you. We explain how we are paid before you decide anything.
Not across Switzerland. In some cantons, fire cover for household contents is compulsory. Elsewhere it’s your choice.
No, but many landlords ask for it, and a single accident can cost far more than years of premiums.
Enough to replace everything at today’s prices. If it’s too low, the insurer can reduce payouts. We help you estimate it.
Partly. Theft away from home is usually an optional extra. Bikes and valuables may have limits.
Not automatically. In shared flats, each person often needs their own policy, or a policy that names everyone.
The comparison is free for you. We explain how we are paid before you decide anything.
Sleep well, whatever falls over. Start with one question.
Two minutes. No inventory needed. A person reads every request.