Home insurance





With a home insurance policy all movable things for private use are insured against four basic risks: fire, water, theft and glass breakage.

As movable things all objects are included which are not connected with a property and/or a building. This is for example furniture, in addition, household items, carpets, clothes, computers, bicycles etc. Furthermore leased or rented objects as well as items which are given for safekeeping or to use to the owner are included in a home insurance

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The home insurance covers four basic dangers fire, water, theft and glass breakage.

  • Fire covers lightning, explosions as well as the elementary dangers (high water, flood, storm, hail, avalanches, snowy pressure, rock fall, and landslide)
  • Water covers leakage, penetration of water in the building, running out fuel oil and frost damages
  • Theft covers burglary at home and outwards (e. g. at the hotel), robbery (also at home and outwards) as well as theft. Limitation of the different insurance policies in case of claims for jewellery and cash have to be considered while selecting a home insurance policy. For expensive jewellery a separate valuables assurance is recommended
  • Glass breakage covers the building glazing (window, glass doors etc. ) as well (depending on the insurance policy) the furnishings glazing (wall mirror, glass cabinets, glass tables etc. )
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The home insurance protects the household items at home as well as in the whole world if the objects are temporary in another location. If an insured person has several houses (e. g. a summer house in Ticino), these must be insured separately. In addition, the household effects are also protected during a move within Switzerland and Liechtenstein.

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In the cantons of Nidwalden, Waad, Freiburg and Jura a home insurance which cover fire and elementary damages are mandatory. In Nidwalden and Waad this must be concluded with the cantonal fire insurance, in Freiburg and Jura the insurer can be freely chosen. The covers theft, water and broken glass are voluntary.
In all remaining cantons home insurance is not mandatory and can be concluded voluntarily with the insurer of your choice.

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