🏠 Household Insurance in Switzerland: All-in-One Policy – Home Contents & Personal Liability Explained
A burst pipe in the bathroom, a stolen e-bike, or a spilled glass of wine on your friend's sofa – everyday mishaps can happen quickly. It's reassuring to be covered. With household insurance, you combine home contents and personal liability insurance into a single, flexible solution.
✅ What is Household Insurance?
Household insurance protects your property and finances. It typically consists of two main components:
1. 🛋️ Home Contents Insurance Covers damage to your movable property – e.g., furniture, electronics, clothing, sports equipment – against risks such as:
- Fire, water, storm
- Theft & burglary
- Natural hazards
- Bicycle or e-bike theft
- Glass breakage 👉 Insured at replacement value – you receive enough money for a new purchase.
2. 🙋♀️ Personal Liability Insurance Protects you if you cause damage to others – whether to persons, property, or assets. Examples:
- You cause an accident with your bicycle
- Your dog injures someone in the park
- You accidentally damage someone else's property 👉 Often one of the most important insurances in daily life – especially for families, tenants, and pet owners.
📦 All-in-One Policy – What Else is Included?
Modern household insurances from providers like Mobiliar, AXA, or Zurich bundle multiple services:
- ✅ Valuables insurance (e.g., jewelry, watches)
- ✅ Building insurance (for homeowners)
- ✅ Cyber insurance (e.g., online fraud)
- ✅ Pet insurance (e.g., surgery costs for dogs & cats)
- ✅ Legal protection insurance (e.g., disputes with online shops) Best of all: Everything is individually customizable – depending on life stage, household size, or risk profile.
💡 Who Benefits from Household Insurance?
This policy is suitable for:
- 🧍 Individuals & couples – e.g., in rental apartments
- 👨👩👧👦 Families – with children, pets, and many belongings
- 🧓 Seniors – to protect their property
- 🎓 Young adults – with affordable starter offers
🧾 Typical Damage Examples
| Type of Damage | Example | Covered by |
|---|---|---|
| Water damage | Bathtub overflows | Home contents insurance |
| Theft | E-bike stolen from stairwell | Home contents insurance |
| Glass breakage | Aquarium breaks during a move | Home contents insurance |
| Liability | You damage someone else's car while parking | Personal liability insurance |
| Cyber fraud | Fraud during an online purchase | Cyber insurance |
🛡️ Your Benefits at a Glance
✔️ Replacement value compensation for damages
✔️ Flexible components – individually selectable
✔️ 7 insurances in 1 policy
✔️ Affordable offers for young people
✔️ Free access to legal advisors
✔️ Personal consultation and quick claims processing
🚀 Conclusion: Everything You Need – in One Insurance
Household insurance is a true all-rounder. It protects your home, your property, and yourself from the most common everyday risks – clear, flexible, and affordable. If you want to save and feel secure, this is the right choice.
🔍 Find the Right Household Insurance Now
With Compando.ch, you can find the right household insurance – including home contents and personal liability – in just 2 minutes: 👉 Calculate & Compare Premiums Now
