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Household Insurance Switzerland: Protect your home contents
Protect your belongings against burglary, fire and water — from CHF 150/year
Key Facts about Household Insurance
Quick Answers
What is household insurance?
Protects your movable property against burglary, fire, water and more. Replaces items at replacement or actual value.
Do tenants need it?
Yes. Building insurance covers only the building, not your belongings.
What does it cost in Switzerland?
CHF 150–500/year depending on location, sum insured, deductible and add-ons.
Which damages are covered?
Standard: burglary, fire, explosion, water, storm/hail. Add-ons: glass, bicycle theft, simple theft, surge.
Why household insurance matters
Frequent claims: burglary every few minutes, rising water damage; without cover, high out-of-pocket costs and emotional loss.
What is covered
- Burglary theft and vandalism
- Fire, lightning, explosion
- Water from pipes
- Storm and hail
- Optional: glass breakage, bicycle theft, simple theft, surge
Situations
- Tenants (city): focus on burglary, bicycle theft
- Owners: complement to building insurance, higher sums
- Flat shares: individual vs shared policies
- Expats: temporary stays and moves
Calculate the right sum insured
- Create an inventory: furniture, electronics, clothing, valuables
- Rule of thumb: CHF 600–800 per m²
- Avoid underinsurance: review regularly
Cost factors
- Location (burglary risk, natural hazards)
- Sum insured and deductible
- Add-ons
- Apartment type (ground floor often higher)
Ways to save
- Higher deductible (e.g. CHF 500 instead of CHF 200)
- Security measures (alarm, security doors)
- Bundle with liability insurance
- Yearly payment instead of monthly
Top Providers (CH)
Zurich · AXA · Generali · Helvetia · Mobiliar
We compare benefits, service and price transparently for your canton.
Claims & Service
- What to do in case of damage: document with photos and receipts
- Report claim promptly; typical processing times explained
- Disputes: Ombudsman and legal paths
FAQ
- Are bicycles outside covered? With the bicycle add‑on, yes.
- Glass breakage included? Optional add‑on.
- Underinsurance? Review sum annually; use inventory.
Protect your home today
Independent comparison, free needs analysis, fast processing.
Essential information at a glance
Household insurance protects movable property against burglary, fire, water and storm. Typical cost CHF 150–500/year. Sum insured CHF 50k–200k; rule of thumb CHF 600–800 per m². Add‑ons: glass, bicycle theft, simple theft. Savings via higher deductible, security measures and bundling.