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Compare home contents and personal liability insurance

Protect yourself against damage or loss at home and in your private life. Compare various insurers in Switzerland and request multiple quotes through our brokerage partner Optimatis — free of charge and with no obligation.
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    What you need to know about home contents and personal liability insurance

    Why Comparis can help you find the right home contents and personal liability insurance

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    Comprehensive information

    Compare premiums from various home contents and personal liability insurers.

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    Make the most of potential savings

    Find the right cover for your personal needs.

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    Apply online

    Request several quotes in just a few clicks via our brokerage partner Optimatis.

    Illustration of a laptop displaying a list.

    Comprehensive information

    Compare premiums from various home contents and personal liability insurers.

    Illustration of a piggy bank.

    Make the most of potential savings

    Find the right cover for your personal needs.

    Illustration of a wristwatch showing a very short period of time.

    Apply online

    Request several quotes in just a few clicks via our brokerage partner Optimatis.

    What you need to know about home contents and personal liability insurance

    All the information you need at a glance

     

    Home contents insurance

    Comparis answers frequently asked questions on the subject of home contents insurance.

    Personal liability insurance

    What does personal liability insurance cover and who needs it? Comparis explains what you really need to know.

    Cancellation

    When and how to cancel your contents and personal liability insurance.

    Coinsurance

    The deductible varies by the type of insurance you choose.

    Customer satisfaction

    Discover how Swiss consumers rate different home contents and personal liability insurers.

    Cancellation reminder

    Never miss a cancellation deadline — we will send you a reminder well in advance.

    Find the right insurance in 5 steps

    You can choose from the following insurance products:

    Indicate whether you wish to receive quotes for each insurance product separately or both together in one policy. 
    If you take out home contents and personal liability insurance separately, you have greater flexibility choosing providers and products. But a combined policy also has its advantages: there is less administrative work involved. 

    Whichever you choose, make sure that the cover matches your requirements. This way, you only pay for what you actually need.

    To ensure the premiums we display are an accurate reflection of your requirements, we need details such as the number of people in your household, your postcode or the size of the living space in m2.

    We’ll display deals that provide the appropriate cover in your personal results list. However, you can use the filters on the left of the screen to further refine your results and select additional options. You can then see immediately how adjusting the cover affects the price of your premiums.

    Make your selection and request up to three quotes online through our brokerage partner Optimatis. You will receive them by e-mail and can compare them at your leisure.

    This comparison tool contains products from providers who receive quotation/contact requests from Optimatis. The providers in this comparison tool use the interface offered by Comparis. The search results are ranked according to objectively measurable criteria (premium price and cover). Results exempted from this order are clearly marked as “Advertisement”.

    From mobile phone insurance to driving other vehicles – useful information for every situation

    Water damage in the apartment

    Home contents insurance

    Everything you need to know about home contents insurance. 

    FAQs on home contents and personal liability insurance

    Home contents insurance covers damage caused by fire, water, burglary, robbery, simple theft at home and natural hazards. You can also add extra cover, such as for simple theft away from home, furniture glass or luggage.

    Household contents includes items such as furniture, clothes and home electronics. They are usually insured at their replacement value.

    Your insurer will also pay out, up to the sum agreed in the policy, for any other costs resulting from the damage. This might include the cost of replacing locks, an overnight stay in a hotel and cleaning up and disposal work, for example.

    Your household contents includes all your furniture, valuables, clothes and sports equipment as well as personal items brought into your home by guests (guests’ belongings).If you own any particularly valuable items such as jewellery or art, it’s a good idea to take out a separate valuables insurance policy for them.

    Put simply, your household contents comprises everything you would take with you if you were to move home.

    The sum insured should roughly cover the cost of replacing all your belongings if you had to buy the equivalent again new, i.e. the replacement value.

    • Be careful of being underinsured:
      this occurs if the value of your household goods is higher than the sum insured. In the event of total loss, you will receive no more than the sum defined in the contract. In the event of a partial loss, the payout is reduced accordingly.

    • Be careful of being overinsured:
      this occurs if the value of your household goods is lower than the sum insured. This is because in the event of damage or loss the insurance company will pay no more than the maximum replacement value of your contents.

    Tip:
    make sure the sum insured corresponds to the actual value of your contents. 
    Check the sum insured regularly and in particular after the following events: moving into a new home, buying new furniture or valuables, moving in with somebody/somebody else moves in or when grown-up children leave the family home.


    Home contents insurance distinguishes between the following types of theft:

    • Burglary: this refers to all thefts from a room, apartment or house due to a break-in. In theory, it can also include thefts involving only a container being forced open.

    • Simple theft at home: in this case, the thief does not encounter any major obstacles, i.e. the balcony door or window was left open, for example.

    • Robbery: this includes thefts made under threat or through use of violence. It also applies abroad.

    • Simple theft away from home: this an optional add-on covering events that occur when you’re out and about, such as pickpocketing and bicycle theft.

    Personal liability insurance protects you financially if you accidentally cause harm to other people. This can include personal injury, property damage and financial loss.

    As a rule, personal injury and damage to property caused by pets is also covered.

    Please note: damages will only be paid out at the current value.

    Exclusions are listed in the general conditions of insurance.
    The following events are not covered, for example:

    • Claims arising from damage or harm caused by a person living in the same household

    • Loss or damage caused deliberately

    • Property damage or personal injury caused by a motor vehicle

    • Loss or damage arising in the context of a professional activity

    Gross negligence is not covered unless you take out separate cover for it.

    Insurance policies in comparison

    Let Comparis help you find the right contents and personal liability insurance for your needs.

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