Household Insurance Switzerland 2026
All-round protection for your home. Insure your furniture, electronics, and valuables against unforeseen events.
Security for Your Belongings
Whether a rented apartment or your own home – your household contents often represent a high value. A fire, water damage, or a burglary can hit you hard financially. Household insurance covers the costs of repairs or replacement at replacement value. This ensures you are not left with the costs after an incident. We compare the leading Swiss insurers for you so that you get the best protection at the lowest price.
- ✔ Basic Perils: Protection against fire, natural hazards, water, and theft.
- ✔ Replacement Value: Replacement at today's purchase price, not the current depreciated value.
- ✔ Glass Breakage Extension: Coverage for windows, washbasins, and glass-ceramic cooktops.
- ✔ Emergency Assistance: 24h service for emergencies like emergency lockouts or burst pipes.
- ✔ Discount Combo: Benefit from discounts when combined with personal liability insurance.
Frequently Asked Questions about Household Insurance
Underinsurance occurs when the selected sum insured is lower than the actual value of your household contents. In the event of a claim, the insurance can cut the payout proportionally. We recommend checking the sum every few years.
This add-on covers items stolen from you outside your home, such as your bicycle, smartphone, or luggage on a train. A must-have for anyone who travels frequently.
Damage to your own household contents caused by your own pets is usually not covered. However, if your pet causes damage to someone else's property, that is a case for personal liability insurance.
Electronic casco is worth it if you own expensive devices like high-end laptops, cameras, or gaming PCs. It also covers damage from drops, operational errors, or liquids.
Yes, during a move, your belongings are insured at both locations (usually for 30 days). However, inform your insurer in good time about the new address and any change in value.
Important Additional Modules
Tailor your protection individually to your lifestyle.
Electronic Casco
Insures your valuable electronics against accidental damage and mishaps.
Get a QuoteValuables
Increased coverage for jewelry, watches, or expensive sports equipment in the home.
Get a QuoteIs your home properly protected?
Avoid financial gaps caused by underinsurance. Find the ideal tariff for your budget right now.
More protection from ZAGI for you
Accident Insurance
Mandatory protection against occupational and non-occupational accidents for businesses.
Life Insurance
Financially secure your loved ones for unexpected situations.
Health Insurance
Compare basic health insurance and save hundreds of francs annually.
Do you have questions about your insurance?
Our experts will advise you personally and find the best offer for your situation.