liability insurance and Household insurance

LIABILITY INSURANCE

Private liability insurance is generally required by the lessor.
It can be very useful, since it covers damage or injury to third parties whether as a tenant, owner of a domestic animal, or as a participant in sports activities, for example. Damaged items are reimbursed at their real value, i.e. their value at the time of the accident. You are strongly encourage to take out such insurance with the replacement value of sanitary fixtures. The liability insurance is often included in the household insurance contract.

Household insurance

Although not mandatory, household insurance is highly recommended.
It covers damages due to flooding and fire, as well as theft. This insurance will cover personal belongings (clothes, furniture, jewelry, computers...), generally at their replacement value, i.e. the amount needed to replace an item.

Useful links

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Insurance: the comparison from Comparis.ch