Household Contents & Private Liability Insurance in Switzerland

We help you better understand household contents insurance (Hausratversicherung) and private liability insurance (Privathaftpflichtversicherung) in Switzerland and find a suitable solution for your daily life.

Two Important Insurances for Everyday Life

The combination of household contents and private liability insurance is one of the most important coverages for everyday life.

Household Contents Insurance

Protects your personal items and inventory.

Private Liability Insurance

Covers damages that you cause to other people or third-party property.

Particularly useful for:

  • Tenants

  • Families

  • Individuals

  • Couples

  • People with an apartment or house

What Does Household Contents Insurance Cover?

Household contents insurance protects, among other things:

  • Furniture

  • Clothing

  • TVs & electronics

  • Household appliances

  • Personal items

  • Jewelry & valuables (depending on coverage)

Schutz bei Feuer, Wasser & Diebstahl

Protection Against Fire, Water & Theft

Typical covered risks include:

  • Fire

  • Water damage

  • Burglary and theft

  • Natural hazards (Elementarschäden)

  • Vandalism (depending on the policy)

Handy- & Notebook-Schäden

Mobile Phone & Notebook Damage

Depending on the supplementary coverage, household contents insurance can also cover damages to:

  • Mobile phones

  • Laptops

  • Notebooks

  • Tablets

  • Electronic devices

Privathaftpflichtversicherung einfach erklärt

Private Liability Insurance Explained Simply

Private liability insurance covers damages that you cause to other people or their property.

For example:

  • Property damage

  • Personal injury

  • Tenant damages

  • Damages to borrowed items (depending on coverage)

Mieterschäden & geliehene Sachen

Tenant Damages & Borrowed Items

Particularly important for:

  • Tenants

  • Families

  • Shared apartments (WGs)

    Depending on the insurance, the following can also be co-insured:

  • Damages to rented apartments

  • Damaged borrowed items

  • Damages to third-party property

Deckungssumme & Selbstbehalt

Sum Insured & Deductible (Selbstbehalt)

Important factors when choosing insurance:

  • Amount of the sum insured

  • Deductible

  • Additional services

  • Desired scope of protection

Persönliche Beratung für Ihre Situation

Personal Advice for Your Situation

Since household contents and private liability are often taken out together, combined advice is worthwhile. We support you in a clear and personal manner.

Your Benefits

  • Understandable advice without complicated technical terms

  • Support for tenants, families & individuals

  • Help with moving or a new apartment

  • Personal care

  • Simple inquiry & fast feedback

Who is this advice suitable for?

Ideal for:

  • Tenants

  • Families

  • Individuals

  • People with a new apartment

  • People with questions about liability or household contents

  • People who want to review their existing insurance

Für wen eignet sich diese Beratung?
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How the Consultation Process Works

  1. Inquiry: You let us know whether it’s about household contents, liability, or both.

  2. Needs Analysis:
    We discuss your living situation and wishes    .

  3. Orientation:
    We explain useful coverages and options    .

  4. Feedback:
    You receive personal information and support    .

  5. Further Support:
    If needed, we also help with other insurance topics.

Frequently Asked Questions (FAQ)

What is the difference between household contents and private liability?

Household contents protects your own belongings, while private liability protects against damages to third parties.

Is private liability mandatory in Switzerland?

It is not required by law, but it is highly recommended.

What typically belongs to household contents?

Furniture, clothing, electronics, household appliances, and personal items.

Are tenant damages important?

Yes, especially for people living in a rented apartment.

Inquire Now for Advice on Household Contents & Private Liability

Let us know:

  • Your living situation

  • Your questions

  • What coverage you are looking for

  • We assist you with personal and easy-to-understand advice.
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Berufseinstieg & Quereinstieg
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Start directly via WhatsApp

Do you want a quick answer or personal assistance?
Contact us directly via WhatsApp:

  • Quick response
  • Personal consultation
  • Simple and straightforward

Contact

Phone:

076 232 33 11

Email:

info@futuresolution.ch

Discuss starting a company now

Briefly describe your project to us – we will get in touch for a no-obligation initial consultation and outline your options and the associated costs.

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