Situation
A water leak in your home damages the flat below.
Consequence
Without personal liability insurance, you pay for the repairs to your neighbour's flat yourself. With it, they are covered, minus the deductible.
Home insurance
Your home and belongings, insured at their true value.
Household contents, personal liability, theft, water or natural hazard damage: we check that your policy really matches what you own — and the way you live.
Why it matters
Very real situations.
Situation
Your bike or laptop is stolen while you are away from home.
Consequence
Simple theft away from home is only covered if this option is included in your household contents insurance.
Situation
A fire destroys part of your furniture.
Consequence
If the sum insured is too low, the compensation is reduced in the same proportion: this is known as underinsurance.
What we cover
The essentials, explained simply.
Contents at replacement value
Your belongings are compensated at the cost of replacing them new, not at their second-hand value.
Fire & natural hazards
Fire, lightning, floods, hail, avalanches, landslides: covered by the fire cover of your household contents insurance.
Water damage
Leaking pipes, backflow, seepage: damage to your belongings is covered.
Theft at home and away
Burglary at home and, as an option, simple theft of your belongings away from home (bike, bag, laptop).
Glass breakage
Windows, glass-ceramic hobs, washbasins: a useful option, especially in newer homes.
Valuables
Jewellery, watches, musical instruments, works of art: declare them separately so they are insured at their true value.
Personal liability
Damage that you or members of your household cause to third parties, including as a tenant.
Points to watch
The mistakes we see most often.
- 01
Underinsurance
If the sum insured is lower than the actual value of your belongings, the insurer can reduce the compensation in the same proportion (Art. 69 of the Insurance Contract Act, VVG/LCA). An up-to-date inventory avoids this unpleasant surprise.
- 02
Forgetting theft away from home
Many policies only cover theft at home. If you carry valuable equipment with you, the “simple theft away from home” option is essential.
- 03
Overlapping cover
Personal liability included in several policies, luggage covered twice: we spot the overlaps so that you don't pay twice for the same risk.
- 04
A policy that doesn't keep up with your life
Moving house, moving in together, a new baby, buying valuables: your policy needs to be adjusted with every change.
Our method
Support in 4 steps, with no effort on your part.
- 01
Analysis
Your contracts, your needs, your goals: we carry out a full review.
What you get
A clear overview of your cover
- 02
Comparison
As an independent (non-tied) broker, we compare offers from many insurers, without bias.
What you get
The best offers, compared for you
- 03
Set-up
We handle the formalities, from cancellations to new contracts.
What you get
No admin for you to deal with
- 04
Follow-up
Claims, life changes, regular reviews: we stay by your side.
What you get
A dedicated point of contact, for the long term
- Non-tiedIndependent broker
- FINMARegistered · F01536191
- +2'500Clients supported
- 98%satisfaction rate
- +10 yearsof experience
Frequently asked questions
Home insurance:your questions.
Our experts' answers to the questions we are asked most often.
It is not required by federal law, but most landlords ask for it before signing a lease. It is one of the most useful policies you can have: damage caused to a third party can be very expensive.
Let's talk about your situation.
A first conversation to review your situation and your needs.
Book an appointmentRelated areas
Also worth exploring.
Property insurance
Protection for your property investments.
- Building insurance
- Loss of rent
- Property owner's liability
Legal protection
Defending your rights in every area.
- Employment law
- Road traffic
- Contracts & property
Vehicle insurance
Car, motorbike, bicycle: all your mobility insurance.
- Compulsory liability
- Full casco
- 24/7 assistance
Official sources
General information, as of 2026 — it does not replace personalised advice.