Swiss home insurance (household and building insurance) is designed to protect your home and valuables against various risks and damages.
Home insurance consists of two main parts: building insurance and household contents insurance. Each provides different types of protection.
1. Building insurance
- Intended for property owners.
- Protects the building against fire, storms, earthquakes, natural disasters, burglary and vandalism.
- Covers reconstruction costs, built-in elements (e.g. kitchen units, built-in wardrobes) and the structure of the building.
2. Household contents insurance
- Protection for personal belongings in your home: furniture, electronics, clothing, valuables.
- Covers fire, burglary, water damage, natural hazards and other unexpected events.
- Aims to replace or repair household items after damage.
3. Factors influencing premium and coverage
- Size and value of the property: higher value = higher premium.
- Location and environment: security, crime rate, weather risks.
- Coverage amount: aligned with the value of insured contents and property.
- Deductible: the higher it is, the lower the premium.
- Additional coverage: e.g. insurance for artworks, jewelry.
Summary: the details of Swiss home insurance vary by provider. Before signing a contract, it is advisable to consult an expert to ensure the coverage fits your home and needs.
