Household and private liability insurance
Protect your everyday life
A domestic accident, theft, or water damage can quickly become very expensive. The household insurance covers your personal belongings and your home, while private liability insurance protects you against damages caused to third parties.
With the right combination of the two, you can secure your assets and avoid unexpected financial burdens.
Whether you live in a city apartment, a family home or share a flat, your needs are different. We analyze your situation (property value, specific risks, budget) to build a coverage that's proportionate, neither insufficient nor excessive.
Our independence guarantees you a choice from all Swiss insurance companies. We compare premiums, deductibles and exclusions to find the best, clearest deal for you.
Frequently asked questions about household contents and private liability insurance
Here are the answers to the most frequently asked questions about household contents and private liability insurance in Switzerland.
Household contents insurance covers your household contents against various risks and losses:
- Fire and smoke: Destruction or damage to your property caused by fire, lightning or explosion.
- Water damage: Damage caused by leaks, floods or burst pipes.
- Natural disasters: Protection against storms, hail, avalanches and earthquakes, in accordance with contract conditions.
- Theft from your home: Coverage in the event of burglary, break-in or robbery.
- Outdoor theft: Some contracts include your belongings even when you're away from home (for example, when traveling).
- Vandalism
- Damage caused by force majeure: Falling trees, vehicle impacts or collapsing buildings.
This is coverage for property damage or bodily injury you unintentionally cause to third parties, for example if your child breaks a window or you spill coffee on a friend's computer.
Household insurance protects your possessions. Private liability protects your financial responsibility to others. Together, they form a comprehensive basic insurance package.
It's important to estimate the value of your possessions correctly. Underestimation can reduce your compensation in the event of a claim. At Invexa, we can help you define a realistic insured amount.
The premium depends on the value of your inventory, the sum insured, your deductible and your place of residence. On average, the combination of the two costs between CHF 200 and 400 per year.
Yes, insurers offer extensions such as coverage for valuables (jewelry, musical instruments), bicycles or e-bikes, luggage abroad or pets.
Why choose Invexa?
Invexa will work with you rigorously, ethically and objectively to optimize your retirement and personal finances, without any conflict of interest.
Independent advice
Invexa is not affiliated with any bank or insurance company. We are on your side, defending your interests to the best of our ability.
Results-oriented approach
We'll help you make concrete, realistic decisions that are consistent with your tax, business and family situation.
Expert advice
Our advisors are specialists in their field and hold qualifications recognized in Switzerland.
All-round Support
Our team is at your disposal to advise and support you at all times, for simple or complex situations.
Understanding household insurance
Household contents insurance protects your household contents against MAIN RISKSIt covers fire, water damage, theft and glass breakage. It covers the value of your furniture, electronics, clothing and personal effects, whether you rent or own. In Switzerland, this coverage is essential to secure your assets and avoid heavy financial burdens after a loss. It is mandatory in some cantons (fire hazard) and often required by real estate agencies.
Determining the right coverage
The amount insured must reflect the true value of your furniture and possessions. Underinsurance can lead to partial reimbursements in the event of a claim. Swiss insurers generally offer cover ranging from CHF 50,000 to over CHF 200,000, depending on your situation. The deductible you choose also influences the amount of your annual premium.
Private civil liability
Private liability insurance complements household insurance. It covers material or bodily damage that you may cause to third parties. For example, if you spill coffee on a friend’s laptop or if your child breaks a neighbor’s window, private liability insurance covers the costs. It is not mandatory, but essential in everyday life.
Options and extensions
Numerous options can be added to household and private liability insurance: coverage for valuables (jewelry, musical instruments), insurance for bicycles and e-bikes, luggage protection while traveling, or coverage for pets. These extensions allow you to adapt your policy to your lifestyle.
Compare to optimize
In Switzerland, premiums vary from one company to another, depending on where you live, the value of your possessions and the deductibles you choose. To get the best value for money, it's advisable to compare several offers and check the exclusions in each contract. Independent advice, such as that provided by Invexa, guarantees you an objective choice and coverage that's truly tailored to your needs.
Get advice
Make a free appointment with one of our insurance experts for personalized advice.
