Question 1

Choose your insurance

Accepted Answer

Choose which insurance you want to compare: home contents insurance, personal liability or both together in a household policy. Taken out separately you stay more flexible with provider and product, while a combined policy reduces the administrative effort. What matters is that the cover suits your needs, so you only pay for what you really need.

Question 2

Enter your details

Accepted Answer

For tailored premiums we need a few details about you and your household contents, for example the number of people in the household, the postal code or the living space in square metres.

Question 3

Receive free offers

Accepted Answer

Based on your details we compare the offers of the home contents and personal liability insurers and put together matching offers that suit your needs.

Question 4

Compare and optimise

Accepted Answer

You compare the offers from the providers and choose the right one. On request we can handle the conclusion and any switch together with you.

Question 5

What does home contents insurance cover?

Accepted Answer

Home contents insurance protects your movable belongings, such as furniture, electronics, clothing or valuables. Covered are damage caused by fire, water, burglary, robbery, simple theft at home and elemental damage such as storm or hail. As a rule, the new value is insured. Up to the agreed sum it also covers the follow-up costs of a claim, for example replacing the locks, hotel stays or clean-up work.

Question 6

What does personal liability insurance cover?

Accepted Answer

Personal liability covers personal injury, property and financial loss that you or members of your household accidentally cause to third parties. As a rule, damage caused by your pets is also covered. This protects you against sometimes high claims, whereby damage is usually reimbursed at the current value.

Question 7

What is the difference between home contents and personal liability?

Accepted Answer

Home contents insurance replaces damage to your own belongings, for example after fire, water or theft. Personal liability, conversely, covers damage that you cause to others. The two complement each other and can be taken out individually or together in a single policy.

Question 8

Is home contents or personal liability insurance mandatory?

Accepted Answer

Both are voluntary in principle. However, many landlords require personal liability insurance when signing the tenancy agreement. For fire and elemental damage there is a mandatory insurance requirement in individual cantons such as Nidwalden, Vaud, Fribourg and Jura. Regardless of that, home contents insurance is advisable as soon as replacing your household contents would be costly.

Question 9

Who needs home contents insurance?

Accepted Answer

It is advisable for tenants as well as for owners. It is also worthwhile in a shared household, as everyone living in the household is co-insured. Anyone who does not want to replace their household contents out of their own pocket after a major loss benefits from home contents insurance.

Question 10

What does home contents insurance cost?

Accepted Answer

The premium depends on the sum insured, your place of residence, the deductible and the chosen add-ons. For an average household it is usually in the low three-figure franc range per year. If personal liability is included, a small additional premium is added. Because the offers differ, comparing with Compando is worthwhile.

Question 11

How high should the sum insured be?

Accepted Answer

The sum insured should correspond to the new value of all your household contents, that is the amount for a complete replacement. If it is too low, underinsurance may apply in the event of a claim and the payout is reduced. Setting it too high brings no benefit, as at most the new value is reimbursed. Review the sum regularly, for example after a move, larger purchases or changes in the household.

Question 12

How do I determine the value of my household contents?

Accepted Answer

The most accurate approach is an inventory list on which you record your items with their new value and add them up. Alternatively, a calculation based on household size, number of rooms and furnishings, that is basic, medium or high-end, helps. Keep the purchase receipts of valuable items so that you can prove the value in the event of a claim.

Question 13

Which types of theft are insured?

Accepted Answer

Contents insurance distinguishes between several forms:Burglary: The perpetrator gains entry by force, such as by smashing a window.Robbery: Theft involving the threat or use of force, including incidents abroad.Simple theft at home: Theft occurring without a significant barrier, for example through an open door or window.Simple theft away from home: An optional add-on covering incidents while out and about, such as pickpocketing or bicycle theft.Basic coverage includes burglary, robbery, and simple theft at home.

Question 14

What additional cover is available?

Accepted Answer

Beyond the basic cover, individual modules can be added: simple theft away from home, bicycles and sports equipment at new value, third-party driver cover and furnishing glass. Whether an add-on makes sense depends on your household and your needs.

Question 15

Are bicycles, e-bikes and valuables insured?

Accepted Answer

Bicycles and e-bikes are part of the household contents and are co-insured against theft at home. For theft while out and about the simple theft away from home add-on is needed, and for the full new value of sports equipment the bicycles and sports equipment add-on. Valuables such as jewellery or watches are covered up to a limit; beyond that a separate valuables insurance is advisable.

Question 16

Who covers the costs of water damage?

Accepted Answer

If water damage occurs in your home, for example due to a burst pipe, home contents insurance covers your damaged belongings. If, on the other hand, you cause water damage to someone else, for example in another person's flat, your personal liability pays.

Question 17

Which insurance pays in the event of a lost key?

Accepted Answer

That depends on which key you lose. For third-party keys, such as the flat key as a tenant, personal liability steps in if damage results. If you lose your own key, a locksmith or lock replacement is covered, depending on the insurer, through an assistance or additional cover.

Question 18

What about tenant damage?

Accepted Answer

If you damage something in your rented flat, that is a case for personal liability, because you cause damage to the landlord. It applies to damage to the property itself and to fixtures usually rented with it. Damage to your own belongings within the flat, on the other hand, is covered by home contents insurance.

Question 19

What does personal liability not cover?

Accepted Answer

The exact exclusions are listed in the general insurance terms and conditions. Among other things, the following are not covered:Damage caused by a person living in the same householdintentionally caused damageDamage caused by motor vehiclesDamages arising from professional activitiesDamage to borrowed or rented items, depending on the contractDamage caused by gross negligence is only covered with additional gross negligence protection.

Compare home contents and personal liability insurance

More than 10 insurers compared

Make the most of saving potential

Request offers

Four steps to the right insurance